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Originally Posted by kutulu
Sorry about your friend but what can you say, that sucks. I believe its a requirement to have coverage against uninsured/underinsured motorists although GAP isn't required.
Anyway, he would have been in the same situation if he got in an accident with someone who was insured, that's the whole reason why you have GAP coverage, because the insurance company is only responsible for the value of the car plus any injury-related things.
Manditory towing laws don't solve anything. If someone is hell bent on not having coverage they can get covereage for the day and cancel right afterwards. It's merely an inconvenience to them. OTOH, honest people who made the mistake of taking their insurance cards out of the car, losing it, or whatever have to pay hundreds of dollars to some asshole towing company that would rather tow some jerk who is in the wrong parking lot than a motorist who is stranded on the freeway (that's been me and I waited over two hours on the side of a busy freeway in rush hour traffic). All it accomplishes is screwing over honest people who made an honest mistake.
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Not true, UIM coverage is for MEDICAL payments only. The kid was not at fault, the other driver ran a red light. Since the other driver had no insurance, the kid's comprehensive kicked in and covered the market value of the car.
If the other driver had been insured, he'd have a repaired car, or enough money to buy something else. Instead, he's out his car, he gets a deficiency balance to pay off, and he has no transportation. All because someone ELSE didn't have insurance. Not an honest person who made an honest mistake. If he had been honest he wouldn't have driven without insurance, and he would have reimbursed the kid for his damages.
I say tow 'em. Sure you can get coverage for 1 day, but guess what, you don't know what day you'll be in the accident, and when your insurance company notifies the state you've been dropped, they'll suspend your registration and if you get pulled over you get to lose your car. And you should lose your car. You know what the requirements are. You have to have insurance, you have to have a valid drivers license, and you have to have current registration. If not, don't drive. There is no excuse.
By the way, it isn't a mandatory TOWING law, it's a mandatory INSURANCE law that requires IMPOUND.