Thousands of uninsured motorists ply Metro Kansas City's roadways every day.
Yet- those of us who take the social responsibility and follow the law with adequate insurance are literally at the mercy of the uninsured.
Back on January 16 I had such an experience with an uninsured motorist in Independence-MO..
Today- more than a month after the wreck and only 5 days after finally getting my wrecked van repaired- I finally hear from what was supposed to be the company the charged person was insured with.
After nearly 5 weeks- in a phone call minutes ago- has the American Family Insurance Company determined that their client WASN'T insured.
So here we have an uninsured motorist plowing carelessly into another motorist who HAS insurance.
Here's what the insured motorists suffers:
1) Nearly a month without a vehicle.
2) Has to pay $250 deductible for his own insurance company to fix the wrecked van- likely MY insurance premiums will rise to boot.
3) MYSELF- NOT THE INDEPENDENCE-MO POLICE DEPARTMENT- HAS TO FILE PAPERWORK WITH THE STATE OF MISSOURI TO REPORT THE OTHER DRIVER WHO WASN'T INSURED AND WAS (probably still) OPERATING A MOTOR VEHICLE ON PUBLIC ROADWAYS WITHOUT LAW-REQUIRED LIABILITY INSURANCE.
Be ready if this happens to you. And make sure your OWN POLICY has rental car provisions in it or another one (YOU) rides the bus.
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3 comments:
Another reason to push state legislature to reform Missouri insurance laws and inflict tougher penalties on uninsured drivers. The one thing you can take solace in is that your insurance company will now pursue the uninsured driver until they recoup their and your losses.
His losses? He's fucked. His insurance company doesn't give a shit about his deductible. You're lucky this was Independence. KCMO police are even lazier.
Yes.
What Anon:11:10pm said.
Thanx folks-
Groucho
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