avoiding car insurance
 

I will be buying a car sometime soon. Does anybody know if there are still any states that don't have compulsory auto insurance law? I read that there were 5 of them, but this information is 6 years old.
(yes I know the whole driver license thing is scam, I just don't think cops do)

[Edit: I have no idea how I ended up posting this to survival prep forum :albertein]

Re: avoiding car insurance
 

Demo? the only way that I know is by posting a bond of about $10,000 or maybe is $25,000........ read about it a long time ago.

Re: avoiding car insurance
 

Yeah, I know of that one , I think the number is 25k. I didn't find anything about it in NY law unfortunately, maybe we don't have it.
But you know what, at 1k a year for insurance, I don't know if posting a 25k makes sense, due to inflation. Maybe having 25k in silver would make more sense

Re: avoiding car insurance
 

Ok, found this -


http://www.iii.org/media/hottopics/i...ce/compulsory/

Liability insurance is compulsory in 47 states and the District of Columbia. Only New Hampshire, Tennessee and Wisconsin do not have compulsory auto insurance liability laws.

Andy, can I use your address for my car registration?? :cheerful:

Re: avoiding car insurance
 

My understanding in Wisconsin is, that if you are at fault in a crash, you must pay all of the damages or you lose your DL, for life.

Re: avoiding car insurance
 

You should be able to afford it, if you stop throwing money at insurance companies :D

Re: avoiding car insurance
 

Sorry Demf. I am not going to risk tens of thousands of dollars in damages to simply save some $450 in fees.

Re: avoiding car insurance
 

Master Fan, as I said before, you have more balls than the entire forum.

Re: avoiding car insurance
 

blue, for every dollar that insurance companies collect in auto insurance fees, they pay on average 11 cents in claims. So for your $450 in fees you are getting on average $50 value. Either you get ripped by insurance companies, or take full responsibility

Re: avoiding car insurance
 

I got a ticket here in west Tennessee last year for $384.00 because I didn't have proof of insurance. I dunno guys, but paying that ticket made having insurance feel sorta compulsory to me.

Re: avoiding car insurance
 

You guys think your insurance is bad? Here in Alberta the minimum liability is $500,000. It's a government mandated racket as far as I'm concerned.

Re: avoiding car insurance
 

You're too late Demosfen.....Tennessee changed it's law couple years ago.

Liability now required and proof must be carried in vehicle.....not quite as bad as some States like Virginia where if you drop your coverage, they send a cop to pick up your tags.

Re: avoiding car insurance
 

Adding to the title scheme;

I bought a 21 foot 1980 Sea Ray a few years ago, no title issued in 1980. When I went to dmv to get tags, they told me that I would get a title in the mail within 3 weeks and that I couldn't sell the boat within that period. I told the cashier that since I bought the boat with my own money and accepted it without title, that I could just as easily sell it without one. Saw that glazed-over look and she repeated the instructions.

This is how the state steals your property - by creating a title that recognizes ownership, so they can unrecognize it at a time of their choosing. This is why they love the idea of gun registration/titling. The state would like to reclaim "their" property at a time of their choosing.

Re: avoiding car insurance
 

.................................................. .

Re: avoiding car insurance
 

Newsflash...."they" can ticket you for anything they want....whether they actually GET it or not depends on how good their resiprocity agreements with your State are.....

Was in New Orleans once, with some buddies, and we stopped at bakery on the way out of town to get some fresh bread.....MAN, do they have good bread there !!......only place to park was a loading zone.....so my buddy driving pulls in, stays with the car, and I run in for the bread...come back out, and we drive off.

Several weeks later, he gets a PARKING TICKET in the mail from New Orleans.....only thing we can figure is the meter maid up the street got his tag number as we drove off and they got the info that way to send him the ticket....."And ya'll come back, now, heah ?"

He mailed it back to them and suggested they extradite him, as he wasn't paying them a dime.

Re: avoiding car insurance
 

Although not avoiding insurance altogether, if you buy the car outright with cash, only liability is required. This should get your costs down pretty low.

Re: avoiding car insurance
 

Master Fan, I must take exceptions to the above statement. If one would be at "fault" in a crash and lack proper insurance, let me assure you that this person will be quickly sued for their entire net worth.

Demosfen, that figure is not correct. If that was the case insurance stocks would sell for thousands. The payout is more like 96 cents or more. A payout rate of 90 cents per dollar of premium would be considered excellant cost control. It is the few cents saved and the investment returns that produce the industries bottom line.

Re: avoiding car insurance
 

Huh? If that was true... If you add their other expenses like, rent, advertising, employee salaries, taxes, etc. , than insurance companies have expenses that exceed revenues. :rolleyes:

Re: avoiding car insurance
 

You are correct it would included operating expenses. The number I gave, was for health insurance premiums.

Re: avoiding car insurance
 

I understand it takes $$ to run an insurance company, but why should it matter to me? All I care is that I get a dollar in return for every $10 I give them.

Re: avoiding car insurance
 

No, but if your new state can prove you've had residence there for a particular length of time and have not changed your tags over, your new state can ticket you...at least in Georgia they can.

Re: avoiding car insurance
 

Of course you should. You are getting ripped. What traceable assets? Bury your gold. Put your house in a living trust. If you have to have a bank account, keep minimum amount in it
I do these things even though I don't have a car at the moment. Having traceable assets is a bad, bad idea.

Re: avoiding car insurance
 

I concur, I've bought personal property without the states transfer of certificate of title.

I don't care.

I have a bill of sales signed by me and the seller, without prejudice to my rights in commerce, and that works for me.

.

Re: avoiding car insurance
 

Reality Check again.

The reason that the States have these laws is not to harass a handful of sovereign citizens or a few silver coin collecting tax avoiders like present company but rather, to remediate the problem of thousands of uninsured sub 87 IQ mooncrickets driving around drunk dirty disrepaired old Buicks and occasionally homiciding some innocent person thus causing tragic moral and economic losses. This is usually called the "uninsured motorist" problem.

If you simply require that every driver has at a minimum liability coverage in a certain amount than the insurance companies will be able to pick up the bill for serious personal injuries caused by these suhumanoid wrecking manchines, at a minimum.

Also, I dont know how "responsible" you are but last time I checked hospital bills a broken leg can cost a hell of a lot of money to fix. So maybe you guys are pretty rich but insurance is a wise choice for most people who dont have $10 or 20,000 laying around in the bank or in gold coins buried in a "patriot safe" on their grandpa's farm.

Re: avoiding car insurance
 

Excellent post and so very true.

Re: avoiding car insurance
 

Again, 100% true.

I would caution you however to reign in your emotions for a moment and read again what Anty Ep wrote. His post contains facts which cannot be refuted. He does not try to refute your facts, however you respond in turn with your nose upturned, confident in your scorn. Your arrogance in every post is overwhelming. It is becoming quite disquieting.

Re: avoiding car insurance
 

I like the quotes in your signature by the way. I don't think I've told you that.

Re: avoiding car insurance
 

Fascinating question. Of course let's remeber that horse carriages are slower than cars and don't present the same kinds of risks of personal injury. There's little to compare this to in history to be quite frank, but, let's look at the history of insurance for a second.

http://www.infoplease.com/ce6/bus/A0858849.html


Well that is a big subject and I wouldnt pretend to even be able to give a simplistic response. Bottom line, its a business, so if you can do it for less, you may have the chance to become a very rich person.

Re: avoiding car insurance
 

Well thanks but as you know I'm just a regurgitation machine, no original thoughts there :)

Re: avoiding car insurance
 

True that there isn't anything to compare it to however I can look at direct costs and see the value that I'm getting for what I'm paying. Looking at insurance from a strickly contemporary perspective (no offense intended to Sukhoi_fan) the value of insurance is questionable. As with all enterprises once they become mainstream the costs associated with maintaining the beast becomes much more then what the intent of the idea was in the beginning.

As others have touched on the actual US$ outlay of insurance companies is low compared to all the other maintenance costs for that. The problem is people want zero risk to themselves and instead will let whatever needs to be enacted to give them the perception of zero risk which snowballs until the concept becomes the driving force and people aren't allowed to make decisions for themselves. We lose site of possibility vs. probability and instead let fear drive our decisions, "what if" may be a good question to ask however most of us are enrolled to cover other peoples faults, not our own.

Re: avoiding car insurance
 

Quick! Everyone check out www.ticketslayer.com

Re: avoiding car insurance
 

More sovereign citizen BS that only cost $75. ONLY $75 WORTHLESS FRNS~!

http://www.ticketslayer.com/ts.order_1.htmat

Re: avoiding car insurance
 

We don't have uninsured motorist problem, we have corrupted government problem. The reason for compulsory car insurance is that insurance industry finally learned how to bribe elected officials. Optional insurance (any insurance) is just a tax on mathematically challenged. With so many people running around who can do math, bribing government is a good business decision that allows insurance industry to tap into large and otherwise unreachable market. There is only so many people who would volunteer to buy car insurance no matter how expensive.

Re: avoiding car insurance
 

We got that too, and compulsory car is not an example of it.

Surely you must know that the insurance and banking industries have been in bed together for a long time. I doubt they just figgered it out.

Right well I know plenty of people who can do math who use insurance. If you dont see the math behind insurance ???? I really dont follow your point.

Re: avoiding car insurance
 

I think your argumentis defective, but I cannot recall why... Could you by chance pooint me in the correct direction to learn (re-learn) this legal theory? Thanks!!

Re: avoiding car insurance
 

Well my fine feathered freind, let me say this about that... Until you have had a slap in the ass in the form of an auto liability lawsuit, quite honestly, you just have not lived. Nothing like a $650,000 lawsuit (middle car in a 5 car pile up)(how am i responsible for that??? I stopped in time, then was slammed from behind, causing me to slam into the guy in front) in California, 1988 dollars, then suddenly that $1200 a year in insurance fees looks like the best bargain going!
Really, try getting sued. When it occurs to you that the "party of the first part" (the plaintiff) will now be sleeping in your bed, porking your wife, mowing your lawn and drinking you beer because the court basically signed over your whole life to him, I GAY-RON-TEE you will convert and become a believer. HOPEFULLY you have good legal counsel and will return fire with at least two other suits to offset your losses.
Think of your life and lifestyle as a business.

Re: avoiding car insurance
 

You must be worried about getting sued for monetary damages because you have property in your name that can be confiscated. It's a bad idea.
Can you elaborate on the 'good legal counsel' thing? My understanding is that either you go to court per se, or hire a union shyster. You won't be allowed to be represented by a non-union lawyer

Re: avoiding car insurance
 

Mandatory Insurance laws are for the purpose of expanding the list of offenses that the authorities can use to bring the hammer down on the little people.

The insurance industry would prefer no mandatory insurance laws because statistics have proved that the percent insured is the same whether the laws are in place or not...and it also opens them up to a high risk policy holders that they normally wouldn't underwrite.

The way to protect yourself from uninsured drivers is to have uninsured motorist coverage...you need this with or without mandatory laws.

Mandatory insurance laws have the same purpose as the War on Drugs...a way to generate huge government revenues and a justification to come down hard on little people.