My seagros, this weekend a
seattle poster put up a post asking for advice on what to do since yo was in an accident without liability insurance. Then when yo got 100 comments of snark, yo deleted the whole thing.
BAD POSTER! BAD DRIVER!
Ok, did we get that out of our system?
The problem is all youz out there that got all moralistic. The minimum liability insurance in this state is 25/50/10. $25k for personal injury, $50k for multiple injuries, and $10k for property damage. This is not morally responsible insurance coverage. This is cover-your-ass don't-give-me-a-ticket coverage.
Since when has a new car cost $10,000? The average used car on the road has a
value of $14,000. The average new car, $28,000. Are you prepared to pay the difference between your minimum liability insurance and the cost of totalling a car, out of your pocket?
And the personal injury situation is even worse. It is easy to eat up $25,000 with a trip to the emergency room, a few days off work, and followup care for even minor scrapes and bruises. That's the reality of medical care costs. How morally upright are you going to feel when you hit someone and cripple them for life, they may never work or support themselves again, and the most you can offer is your $25,000? Will you go to the hospital and look them in the eyes and tell them that?
In both situations if you've got other assets - like a house with some equity - you can say goodbye to it carrying minimum liability insurance. Summa y'all are young and driving mommy and daddy's car or piggybacking on their insurance? Then their assets go away too! And you thought you were going to college and they wanted to retire some day.
So, don't get all holy and mighty preaching responsibility to some poor ass when you're not adequately covering your own. Provide a helpful answer or STFU.