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Cat Forum / Cat Anecdotes / July 2007Ping Julie (GaDragonfly)
Any news about your brother's girlfriend? How is she doing? Jill > Any news about your brother's girlfriend? How is she doing? > > Jill I haven't heard from my brother since Thursday night. He hasn't called me back. I'm hoping he's called my father. We're going to visit with him tomorrow so I'll learn something then. I'm thinking she has at least made it through the surgery. Hopefully I'd get a call if that went wrong. Thanks for asking. Julie Jill, I've been meaning to ask all day, how is you nephew doing? Jo > Any news about your brother's girlfriend? How is she doing? > > Jill > Jill, I've been meaning to ask all day, how is you nephew doing? > > Jo Jo, he's better than to be expected. He's at home at Paul's house and although he's in a case with a titanium rod in his leg and will need some rehab, he's okay. He is in a back brace but hopefully that won't mean too much. This idiot who ran him down, here's just *this* list of charges associated with this particular accident. Open container law violation. Driving on a revoked license. Habitual moving violation offender. Reckless Driving. Vehicular assault. They sent bond at $75,000. Why they set bond after all his driving incidents I have no idea. Why do they keep letting this a.s out on the street?! He could have killed Alex. And of course, he not only had no license he had no insurance. So there will be no money to pay for Alex's medical bills. And his sister continues to say he just "fell asleep at the wheel". Well I guess so, after all the damn beer cans and bottles they pulled out of his ininsured truck. GRRRRRRR. Jill >> Any news about your brother's girlfriend? How is she doing? >> >> Jill > ...And of course, he not only had no license he had no insurance. So there > will be no money to pay for Alex's medical bills... Here in the UK we have a scheme known as the Motor Insurance Bureau (MIB). The victims of uninsured drivers get to call on this fund for recompense. The fund receives its income from everyone who does have insurance - it's included in our premiums :-( Do you have anything similar in the USA? In the UK, it's also the case that although most claims are settled via insurers, the person with liability is actually the individual. Sometimes it's worthwhile to sue the individual, rather than contacting their insurers. If you are successful in your case, then can you not send in bailiffs to reclaim any "debt" awarded by a court?  SignatureMatSav >> ...And of course, he not only had no license he had no insurance. So >> there [quoted text clipped - 10 lines] > insurers. If you are successful in your case, then can you not send in > bailiffs to reclaim any "debt" awarded by a court? It isn't terribly hard to get a judgment against somebody when you have a good case (and sometimes even when you don't). However, collecting is another story. Someone with no license and no money probably won't have any money either. In that case, the person suing would be out their costs of the suit, and wouldn't gain anything except the satisfaction of having a judge or jury say they're right. Joy >>> ...And of course, he not only had no license he had no insurance. >>> So there [quoted text clipped - 24 lines] > > Joy I'm afraid that will be the case here, Joy. There are what are called 'victims relief funds' available from certain states; maybe the lawyer I referred them to can tap into some of that to help pay the medical bills (and legal fees). Chances are my nephew will just get stuck with the bill. And he didn't have (health) insurance, either. It sucks. And he'll be months in rehab once he gets that cast off his leg. Jill > Here in the UK we have a scheme known as the Motor Insurance Bureau > (MIB). The victims of uninsured drivers get to call on this fund for > recompense. The fund receives its income from everyone who does have > insurance - it's included in our premiums :-( Do you have anything > similar in the USA? Not that I know of! If you're hit by an uninsured motorist, the money for repairs and medical bills (if needed) comes from your own insurance company, and I believe you have to pay the deductible, even if you're not at fault. But since that hasn't happened to me, I'm not 100% sure. I wouldn't mind something like what you have - it's a good protection against the above situation. But maybe it should be elective coverage, as other coverages, such as extra liability or collision, etc, are. You elect to pay into the fund, and if you get hit by an uninsured person, you can collect. You don't elect to pay, you don't collect. Come to think of it, I think we do have that - uninsured motorist coverage. It costs extra and is not compulsory. Joyce >> ...And of course, he not only had no license he had no insurance. So >> there [quoted text clipped - 5 lines] > insurance - it's included in our premiums :-( Do you have anything > similar in the USA? Are you kidding? The closest we have is that law requires drivers to show "financial responsibility" in order to register their cars, but they only have to show proof once every three years or so, and if the insurance has lapsed in the meantime, how is the government to know? (Remember, the U.S. is the only civilized country in the world that does not have universal medical care for all its citizens!) > In the UK, it's also the case that although most claims are settled via > insurers, the person with liability is actually the individual. > Sometimes it's worthwhile to sue the individual, rather than contacting > their insurers. If you are successful in your case, then can you not > send in bailiffs to reclaim any "debt" awarded by a court? >>> ...And of course, he not only had no license he had no insurance. So >>> there [quoted text clipped - 12 lines] > U.S. is the only civilized country in the world that does not have > universal medical care for all its citizens!) Again, not all parts of the states are the same. Some states have no-fault insurance. So your insurance covers you, whether an accident is your fault or not. But nobody gets to sue anybody in those states. I'm pretty sure those states have a fund to cover injuries like Jill's nephew's. Computers and laws are catching up with uninsured motorists. Now insurance companies in California are required to notify the state whenever someone's insurance lapses. It used to be really common for motorists to buy "insurance" from really questionable companies for just long enough to get their car registered. And neither party had any intention of continuing the coverage for more than a few days. Also California is getting a lot better about impounding cars without insurance or current registration. Still you are going to have some who will find a way to drive even if they don't have a license or insurance or even a car. Jo > Computers and laws are catching up with uninsured motorists. Now insurance > companies in California are required to notify the state whenever someone's > insurance lapses. You're right - when I moved to Arizona, rather than simply switch my policy here, the company cancelled the California policy and wrote one for Arizona. A month or so later, I got a notice from the California DMV suspending my registration. (Which of course spurred me to stop dragging my feet and register in Arizona.) On the other hand, although Arizona supposedly has a similar law, I was not asked to SHOW any proof of insurance to receive my Arizona plates. > And of course, he not only had no license he had no insurance. So there > will be no money to pay for Alex's medical bills. And his sister continues > to say he just "fell asleep at the wheel". Well I guess so, after all the > damn beer cans and bottles they pulled out of his ininsured truck. GRRRRRRR. I don't think that absolves anyone from blame! Asleep or drunk or whatever, if you're behind the whell of a car, you're responsible for any damage you do. With the possible exception of having been slammed into by another car, so the loss of control was not your fault, in which case the other driver is to blame for it all. |
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