Wife had a wreck

[Scott7m]

well.... the wife hit a truck today, rear ended it.. The truck was already locked down to keep from hitting someone who decided last second to turn, she tore the bumper off of the truck, but that was about it.

her car on the other hand, well........ hood, radiator support, headlight panel, hood latch assembly, lights.. pretty good damage....

I told the guy at the scene that I would fix his vehicle if he wanted, and also told him that if he took it somewhere else it was fine, just let me know how much it cost and i'd pay for it. because i really don't want to turn it in...... welll, when i got home i looked at the wifes' insurance card, it expired on december 21st. I thought it expired on january 30th like mine but not so, SO I don't know whats going to be come of it. because the guy was all dead set on turning it into my insurance company, even though i was willing to pay... he said that it wasn't right to do something like that.. so oh well....................

i donno whats going to happen now

[Redlined]

Bend over, when he finds out the ins. was expired I'm afraid it'll be a whole different ballgame. Good luck........

[Scott7m]

Bend over, when he finds out the ins. was expired I'm afraid it'll be a whole different ballgame. Good luck........

i donno.. i've been hit and know people who've been hit by people without insurance and they never got a thing for it......... i know i didnt.

his wife and my mother are good friends, she was also a teacher of mine in highschool... so i donno........

[AteUp]

I suggest she get her insurance up to date first thing Monday morning. It may look better in court if she does.

[Scott7m]

I suggest she get her insurance up to date first thing Monday morning. It may look better in court if she does.

I already made the payment online....... shew our court system here is a mess, a guy poached a pie bald by my place a while back, he went to court on like his third poaching offense, judge gave him a 200 dollar fine and gave him his gun back...........

i don't see it going to court though

[AteUp]

Was there no accident report?

[Scott7m]

yeah there was...... the cop never said who's fault, she jsut said she'd have it ready within 10 days.

it was in like a bypass of construction.. you come up a hill and when you turn at the top your looking directlyinto the sun andthere is a turn off that goes back hard left..... really a bad situation, but like i told my wife, don't matter.you hit him in the hind end

i know that i would have gladly accepted payment from someone who hit me without insurance,rather than take them to court to get absolutely no where

[AteUp]

Did she get a ticket for not having insurance?

[Scott7m]

Did she get a ticket for not having insurance?

nope. cop looked at it her card and said it says it ran out on the 21st, my wife told her i hadn't gave her the new card yet.. so when i got there, nothing was said, so i got home and looked at my papers and seen where i screwed up.......

[AteUp]

Normally, if you've been with the same company for awhile, they'll back date the cards for you if not involved in any accidents or tickets. He's going to turn it in to his insurance and they're going to come to you to pay for his repair. If the court finds out she didn't have insurance, I believe there's a pretty hefty fine nowadays.

[Scott7m]

Normally, if you've been with the same company for awhile, they'll back date the cards for you if not involved in any accidents or tickets. He's going to turn it in to his insurance and they're going to come to you to pay for his repair. If the court finds out she didn't have insurance, I believe there's a pretty hefty fine nowadays.

no fine... had a buddy just do it a few days ago........ all he had to do was drop by and show the judge he had his insurance

if his insurance co comes to me to pay, then that is absolutely no problem.. like i told the guy, before i even knew about the expired insurance, just tell me the total and i'll write you the check.......

i think he was a religous guy who'd be scared to death to just let me pay in fear he was breaking a law, i mean it freaked him out when i told him to just lemme know how muchand i'd write him a check, he was like ohhh thats not a right thing to do.. i was like ohhh welll, and just walked off scratching my head

[AteUp]

no fine... had a buddy just do it a few days ago........ all he had to do was drop by and show the judge he had his insurance

Did he have insurance at the time of the ticket?

[Scott7m]

Did he have insurance at the time of the ticket?

nope........ had just expired.

it was just a routine check i guess, they saw he didn't have insurance and they wrote him, he went to the courthouse and showed them he did in fact have it , and that was that

[AteUp]

Well if he didn't have it on the date and time the ticket was written, and the effective dates on the card showed that he didn't, he got lucky. Because he didn't in fact have it at the time of the traffic stop.

[12 pointer]

Just because there is an expiration date on the prrof of insurance, that doesn't mean your insurance company had dropped you. Had that been the case, you would have never ben able to pay it online. You would have not been a customer of theirs anymore. There is a grace period of usually a month on this type thing. Again, if you were able to pay your premium, you are ok. Unless you go online and it stated your policy expired on the 21st. Then, you are in trouble. Here, it's automatic 500 dollar fine for no insurance. Over 100 if you have it and just fail to have proof.

[AteUp]

Just because there is an expiration date on the prrof of insurance, that doesn't mean your insurance company had dropped you. Had that been the case, you would have never ben able to pay it online. You would have not been a customer of theirs anymore. There is a grace period of usually a month on this type thing. Again, if you were able to pay your premium, you are ok. Unless you go online and it stated your policy expired on the 21st. Then, you are in trouble. Here, it's automatic 500 dollar fine for no insurance. Over 100 if you have it and just fail to have proof.

WOW, I really figured they were more cutthroat than that. Wonder what they will say when a claim shows up and they weren't paid up on time?

[12 pointer]

WOW, I really figured they were more cutthroat than that. Wonder what they will say when a claim shows up and they weren't paid up on time?Ever had a payment due and get a late notice?? They don't automatically come and shut your water off. I'd say he was about to get a late notice in the mail and the holidays had it slowed down. His insurance has no desire to loose a customer anymore than he desires to be without insurance.Same situation. I know I have personally delt with the same people for 23 years. In my situation, the policy continued and Iwas billed a double payment.

[Scott7m]

Ever had a payment due and get a late notice?? They don't automatically come and shut your water off. I'd say he was about to get a late notice in the mail and the holidays had it slowed down. His insurance has no desire to loose a customer anymore than he desires to be without insurance.Same situation. I know I have personally delt with the same people for 23 years. In my situation, the policy continued and Iwas billed a double payment.


Yea, I also heard that there could be a grace period. I did pay the bill online tonight. So it will be there well before the police report ever gets made. Said it would be 10 days... I know that doesn't change the fact but it was my fault that I over-looked the statement date.

[12 pointer]

Yea, I also heard that there could be a grace period. I did pay the bill online tonight. So it will be there well before the police report ever gets made. Said it would be 10 days... I know that doesn't change the fact but it was my fault that I over-looked the statement date.

When you went online tonight and payed, if it did not tell you you had been canceled, you still have insurance!!! Period. Is there an effective AND expiration date on your card. That just shows a yearly roll around. If you were able to pay tonight, you were just late with a payment. No big deal. Just get proof from your insurance that your policy was active at that point when you go to court and all is well.

[AteUp]

Ever had a payment due and get a late notice?? They don't automatically come and shut your water off. I'd say he was about to get a late notice in the mail and the holidays had it slowed down. His insurance has no desire to loose a customer anymore than he desires to be without insurance.Same situation. I know I have personally delt with the same people for 23 years. In my situation, the policy continued and Iwas billed a double payment.

Not really the same thing IMO. While you are overdue and not paying the insurance company, you can cost them some serious money. I see what you're saying though, I just didn't realize insurance companies were as lenient as that. I figured if you didn't pay, you didn't have insurance past that expiration date. Hence the term: expiration.;)

[C.L.Button]

Isn't KY a "no fault" state ? Doesn't matter who hits who then ?

[Scott7m]

Not really the same thing IMO. While you are overdue and not paying the insurance company, you can cost them some serious money. I see what you're saying though, I just didn't realize insurance companies were as lenient as that. I figured if you didn't pay, you didn't have insurance past that expiration date. Hence the term: expiration.;)

i did some digging in the filing cabinet and it said the coverage at 12:01am on the 22nd...........Sooo heck i donnooooooooo

if thats the way it is, it doesn't really matter.. i can pay his insurance the same as i could him...... as long as i don't raise a stink i don't think anyone will either

[12 pointer]

Isn't KY a "no fault" state ? Doesn't matter who hits who then ?

Depends on the situation. In my case the other day, with smacking mirrors. It was considered a "No fault" situation. You rearend someone.......They consider you to not have control of your vehicle. It is her fault. Same as if you are setting on a hill with a straight shift. Joe smoe pulls too close to you and as you let out of the clutch, you roll back into him. It;s your fault, you did not have control of your vehicle. I personally got into that situation one time at a stop light here in Greenville. The car behind me pulled so close, when the light turned green I sat there, then got out and nicely told the lady she would have to back up and go around, I was not letting out on my clutch with her that close. She and two other cars baced up and I took off. I was very polite and she was too. She was no more than 3 inches from my bumper. She was actually very appreciative of this.

[12 pointer]

i did some digging in the filing cabinet and it said the coverage at 12:01am on the 22nd...........Sooo heck i donnooooooooo

if thats the way it is, it doesn't really matter.. i can pay his insurance the same as i could him...... as long as i don't raise a stink i don't think anyone will either

Tough call. Depends on your agent now. Good luck.

[Scott7m]

Isn't KY a "no fault" state ? Doesn't matter who hits who then ?

ahhhh she hit him, which here means she didn't have control........... I wanted to be able to blame her lol.. but with all respect to her, from that curve and it not being a true road, she didn't have a chance........... it sux

[12 pointer]

ahhhh she hit him, which here means she didn't have control........... I wanted to be able to blame her lol.. but with all respect to her, from that curve and it not being a true road, she didn't have a chance........... it sux

Yeah, at least she was not hurt. No need to cryover spilled milk. Tht's why it is called an "Accident."

[AteUp]

Thanks scott's wife! I didn't know anything about no-fault insurance until tonight.;)

http://automotive-insurance.suite101.com/article.cfm/nofault_insurance

The purpose of no-fault laws is to provide basic medical coverage for people injured in car accidents. Often, attempts to sort out who is liable for an accident can drag out while insurers gather information and negotiate liability. This has sometimes left victims unable to get the treatment they need, or left doctors unable to recover their fees.

As a remedy, many states have adopted laws specifying that auto insurers doing business in that state must provide certain coverages for medical costs arising from automobile accidents, regardless of who is at fault. Such "no-fault" insurance ensures there is at least some coverage available right away for occupants of vehicles and pedestrians if struck by a vehicle.

The costs covered usually include medical bills, lost wages and, to some extent, Replacement Services. Replacement Services are the cost to pay someone else to do something you would normally do yourself if you weren’t hurt. Baby-sitter expenses for a stay-at-home mother would be an example.

What no-fault insurance does not do:

It does not replace Health Insurance. If you are injured in a car accident, you can still use your private health insurance. In some states, no-fault insurance will pick up what the health insurance will not pay for, such as co-pays and fees not covered by the plan.

It is also not a free ticket for the person who caused the accident. If there is an accident, the insurers of the vehicles involved will make a liability determination. Even if the at-fault driver does not have auto insurance, the company that pays the no-fault benefits (and the Health Insurer) can recover their losses from that person.

No-fault insurance is not physical damage insurance. It has no effect on claims for damages to the vehicles involved. If you live in a no-fault state and damage another person’s property with your car, you are still held liable and the claims process moves along as it always has.

It is not a means to provide coverage for all damages to all parties in an accident. If you cause an accident and don’t have collision coverage on your car, you will not be able to recover from the insurer of one of the other vehicles involved. You will pay for your own damages and your premiums will probably still go up.

It also does not pay for pain and suffering, loss of consortium and other injury-related issues. Nor does it take the place of uninsured or under-insured motorist coverage.

While no-fault has sometimes been touted as a panacea for all accident-related problems, it is actually a fairly limited plan that deals only with very specific issues. As with all insurance-related issues, no-fault coverage varies according to the state in which each vehicle is registered and insured. If you have questions about no-fault in your state, contact your local agent or insurance company.

[Scott7m]

Yeah, at least she was not hurt. No need to cryover spilled milk. Tht's why it is called an "Accident."

on my way back from the taxidermist in grayson co the other day, i met her coming home from work, it took us 6 hours to cover 10 miles on the interstate, there was literally a bad wreck every 100 feet...... took us until 8 am the next morning to get to our home.. it was the worst road conditions i'd ever seen in my life..... literally hundreds of wrecks in this county, from i64 to my home, on a 2 lane road there were over 40 wrecks, about 10 miles worth of road.

the ground was froze and the rain was pouring, solid 1/4" of polished ice covering the roads, once i got off hte interstate, my trailblazer would sit there and all 4 tires and not move........ you couldn't get out of the vehicle either, no way possible to stand up


but anyways............ we were really lucky to make it out of that mess......

[12 pointer]

Depends on the situation. In my case the other day, with smacking mirrors. It was considered a "No fault" situation.

Yes, being ruled as a "No Fault situation" and being a "No fault state" are far from the same.

[KYhunter79]

People that don't keep their insurance up to date are in the same class as drug addicts to me.

[Scott7m]

People that don't keep their insurance up to date are in the same class as drug addicts to me.

Right......... people get confused or forget to pay a bill and there in the same boat as people who put drugs before their own families and let it destroy their lives..........

but, that comment doesn't surprise me coming from you

[12 pointer]

People that don't keep their insurance up to date are in the same class as drug addicts to me.

Dern KY,, he made an honest mistake and is willing to fix the fellas car. Keeping it up-to-date and letting it accidentally expire by a few days is totally different from lowlifes who use all the money for drugs and waste insted of keeping insurance coverage. Don't you think?????

[Scott7m]

ky you out of all people seem to live in this la la land where all is right........

out here where i'm at, if you even have insurance you're a rare breed... there are tons of people out here that don't have insurance, and a lot of them drive cars that arent' even registered or have titles for that matter..

now if they were cruising up and down the interstates and in big cities yea they'd be caught quickly and such, but out here if they only go from their home to town, they can go their whole lives and never be caught and many of them do.

a few years ago, we had a good flood wash out a lotof a junk yard... people went downstream and drug some of these cars out, and got them to run... and i still see some of them go by, and they don't even have a title....... basically if they can find a car and get it to run, there going to drive it... and then you get on here and make such an arrogant foolish comment as you did, thinking you are to good to make a mistake or overlook something........ thats pretty cocky to say the least........

[Scott7m]

Dern KY,, he made an honest mistake and is willing to fix the fellas car. Keeping it up-to-date and letting it accidentally expire by a few days is totally different from lowlifes who use all the money for drugs and waste insted of keeping insurance coverage. Don't you think?????

key word there 12pointer......... "think"

[KYhunter79]

Right......... people get confused or forget to pay a bill and there in the same boat as people who put drugs before their own families and let it destroy their lives..........

but, that comment doesn't surprise me coming from you

I doubt you were confused about your insurance status considering how adamant you were that it didn't get turned in and that you did the work and settled it under the table.

Look up sarcasm, by the way. According to you drug addicts deserve to die. Their lives are expendable.

key word there 12pointer......... "think"

HA. I really hope you aren't insulting my intelligence.

[CUZZIN]

As the world turns. Scott your life is full of so much drama,how do you do it? lol

[Scott7m]

I doubt you were confused about your insurance status considering how adamant you were that it didn't get turned in and that you did the work and settled it under the table.

Look up sarcasm, by the way. According to you drug addicts deserve to die. Their lives are expendable.



HA. I really hope you aren't insulting my intelligence.

it's called i'd assume pay the bill myself as have to worry about the insurance company raising my premiums........

I didn't have a clue that her insurance had ran out, as i said i thought it was january 30th...... the same as mine....... but i forgot who i'm talking to here, someone who is not only so smart that they never make a mistake, but they can judge other peoples situation through an internet forum........

and you were one of them shouting that you'd never admit it if you did break a law before.. so that shows me what you are........

man up and grow up! and i didn't have to try to insult your intelligence, your comments did that alone.........

my question to you is, what if you have a child that ends up getting hooked on drugs? you just assume to see them fall over dead? is that the attitude your going to have? if thats how you feel your going to have a lot more expensive lessons in this life than me my friend.. it's nothing but thinking your better than everyone else to make such comments as ohh, well their lives or expendable if they did drugs or forgot to pay their insurance! Remember, there in the same basket right???

[KYhunter79]

it's called i'd assume pay the bill myself as have to worry about the insurance company raising my premiums........

I didn't have a clue that her insurance had ran out, as i said i thought it was january 30th...... the same as mine....... but i forgot who i'm talking to here, someone who is not only so smart that they never make a mistake, but they can judge other peoples situation through an internet forum........

and you were one of them shouting that you'd never admit it if you did break a law before.. so that shows me what you are........

man up and grow up! and i didn't have to try to insult your intelligence, your comments did that alone.........

my question to you is, what if you have a child that ends up getting hooked on drugs? you just assume to see them fall over dead? is that the attitude your going to have? if thats how you feel your going to have a lot more expensive lessons in this life than me my friend.. it's nothing but thinking your better than everyone else to make such comments as ohh, well their lives or expendable if they did drugs or forgot to pay their insurance! Remember, there in the same basket right???

Are you really this ignorant? Can you not see that I took the "they deserve to die if they are on drugs" from you? Your thread about the guy that worked for you?

I told you I would leave my thoughts out of it so I wouldn't get banned. You basically said that guys life was expendable because he does drugs. And that if ended up dying or getting killed that he had it coming.

That showed me what kind of person you are. That can't be said on this forum either. I think you're a lot of things, a hypocrite being about the only one that I can say. And apparently you don't think much of me either. So, I'll just leave this alone as long as we know where each other stands.

[Scott7m]

Are you really this ignorant? Can you not see that I took the "they deserve to die if they are on drugs" from you? Your thread about the guy that worked for you?

I told you I would leave my thoughts out of it so I wouldn't get banned. You basically said that guys life was expendable because he does drugs. And that if ended up dying or getting killed that he had it coming.

That showed me what kind of person you are. That can't be said on this forum either. I think you're a lot of things, a hypocrite being about the only one that I can say. And apparently you don't think much of me either. So, I'll just leave this alone as long as we know where each other stands.

i never once said they deserve to die if there on drugs, never once...... and i think everyone on here would agree i already tried to help him way to much........ what I said and everyone else understood, besides you... was that when your on them that bad that no once can save you and he's going to have a decision to make.. his own mother even agrees that he'll either make it or not.... and it's not getting any prettier for him, everyone around here is turning there back on him, his so called friends are leaving him alone now..

sooo if his life gets sooo screwed up with drugs that he decides to end his life, i can't worry myself about that.. I've done more than i should to help this guy out.. my whole family has went out of our way to try to offer him help, there just aint no helping some people.. now if it comes down to it that he has to do something like that, well i can't worry about it, but just know that i done what i could to help him out!

[treerat]

my dad is a retired insurance adjuster,,,,,when you hit someone in the rear ,,you are automatically at fault in ky,,,no matter what the circumstances,,,,she probbly won't get a ticket,,,but she would be at fault,,,,,,

[Scott7m]

my dad is a retired insurance adjuster,,,,,when you hit someone in the rear ,,you are automatically at fault in ky,,,no matter what the circumstances,,,,she probbly won't get a ticket,,,but she would be at fault,,,,,,

yah i'm sure of that too

[KYhunter79]

i never once said they deserve to die if there on drugs, never once...... and i think everyone on here would agree i already tried to help him way to much........ what I said and everyone else understood, besides you... was that when your on them that bad that no once can save you and he's going to have a decision to make.. his own mother even agrees that he'll either make it or not.... and it's not getting any prettier for him, everyone around here is turning there back on him, his so called friends are leaving him alone now..

sooo if his life gets sooo screwed up with drugs that he decides to end his life, i can't worry myself about that.. I've done more than i should to help this guy out.. my whole family has went out of our way to try to offer him help, there just aint no helping some people.. now if it comes down to it that he has to do something like that, well i can't worry about it, but just know that i done what i could to help him out!


Hmmm...plenty of innuendo to back up your character.

then to factor in his depression from his failed life on top of that, maybe he'll crack. like i told his mother, he's threatened to end his life before, i told her that he had to get to the point where he's got that to decide, end it, or change it! and she agreed that he wasn't worth a crap the way he was so it would be the best thing for him and everyone around here......





if he decides to kill himself then oh well... can't really say that i'd care either way! when you've had enough of someone you've had enough.

i'm actually pretty excited to see how this all plays out to be honest, i've really looking forward to it, thats sick probably but i've had enough...

lol where did i say i was worried about him killing himself?

i'm not the least bit worried about that, if he does it then ohhhhhhh welllll.................... he'd be better off and so would the whole community...

[CUZZIN]

Dang i always hate to be quoted on something, hold on guys I need to freshen up my sweet tea this is getting good:D

[Tim T]

Popcorn is almost ready, is it to early for a beer if you don't have anything else to do today?

[Scott7m]

Hmmm...plenty of innuendo to back up your character.

ummmmmmmm........ so........... yeah if your to the point where your life is a total disaster and not one soul is willing to help you... and you won't help yourself, theny ou might as well be dead..........

you have more time on your hands than i do to be that concerned about what i said........

[CUZZIN]

Popcorn is almost ready, is it to early for a beer if you don't have anything else to do today?Well dont know,but it is after 12:00 isnt it?:D

[KYhunter79]

ummmmmmmm........ so........... yeah if your to the point where your life is a total disaster and not one soul is willing to help you... and you won't help yourself, theny ou might as well be dead..........

you have more time on your hands than i do to be that concerned about what i said........

I'm not a humanitarian by any stretch of the imagination, but I value human life equally.

I knew right where those quotes were. When you read something that really gets under your skin it tends to stick around in your mind.

[KYhunter79]

Popcorn is almost ready, is it to early for a beer if you don't have anything else to do today?

No! It's never too early. :D

[CUZZIN]

Ky 2, Scott 0 and its not even close to half time, come on scott quit eatin crow:D

[keith meador]

Scott, with all due respect, or sarcasm, why would you continue to live in the area you are in? Based on the unlimited comments you post about the Wild Wild East you live in, you have people throwing backpacks full of pot away, drug addicts working for you, everyone is a poacher, the local po po will not work with you at any level, the court system is crooked, noone carries insurance, people running around in cars that have no title or registration......you have children right? Why not move to an area that would afford you and your family a better environment to grow in? Just a small observation on my part, but it sure seems odd that you would want to stay there.

[kycrat]

how could you not know your insurance ran out? they send you a bill about 1 month in advance, then they send you another notice, then a nice colored cancelation notice. they don't do this for their protection or just being nice to same people, they do if so they can get their premium. if you ignore these statements or toss them in the garbage because you think you know what they say before you read them then it's YOUR FAULT.

as for those around you who never carry insurance, what concern are they of yours, your just mad because it never seems like they get caught!

[Scott7m]

Scott, with all due respect, or sarcasm, why would you continue to live in the area you are in? Based on the unlimited comments you post about the Wild Wild East you live in, you have people throwing backpacks full of pot away, drug addicts working for you, everyone is a poacher, the local po po will not work with you at any level, the court system is crooked, noone carries insurance, people running around in cars that have no title or registration......you have children right? Why not move to an area that would afford you and your family a better environment to grow in? Just a small observation on my part, but it sure seems odd that you would want to stay there.

because its home........... thats about all i can say.... i find it hard to beleive that it's not like that most places, i just think some people are blind to it or something..

with all respect to you keith, i dont' see why you or anyone else thinks its a big deal to find a backpack full of pot.. i mean they found 300 pot plants on our place year before last and we didn't think nothing of that either.. it's just something you grow used to and don't think it's a big deal, until you tell that to some people who don't live in similar conditions. i'm sure that all you guys if someone found 300 pot plants ony our property you'd be on a manhunt for justice and trying to find out who's they were and such..

just like i was talkin about the poacher, 200 bucks and his gun back.. i mean it goes on and on and people just get off with nothing said or done.. been that way my whole life, and no one wants to see that change it seems.

different areas of the state are definitely different. it's sad to say but when it comes to the law and drugs and such my area is probably the worst in the state.. it's like a dang assembly line of people running off to ft. lauderdale pumping pills into this area.... i graduated with a class of probably 120......... i can think of at least 8 or 9 that i know of thats no longer with us due to drugs..

[headoftheholler]

Scott, with all due respect, or sarcasm, why would you continue to live in the area you are in? Based on the unlimited comments you post about the Wild Wild East you live in, you have people throwing backpacks full of pot away, drug addicts working for you, everyone is a poacher, the local po po will not work with you at any level, the court system is crooked, noone carries insurance, people running around in cars that have no title or registration......you have children right? Why not move to an area that would afford you and your family a better environment to grow in? Just a small observation on my part, but it sure seems odd that you would want to stay there.
I have to agree with Keith. I hunted the Grayson area for 12 or so years and the level of poverty in Carter County and problems are half what some of the counties here (Magoffin, Floyd, Pike, ect) have. I live in a very downtrodden, drug abuse heavy, poverty ridden area, but I dont complain about it daily, I do try to make the area better by living and working here, I'm proud of where I'm from and where I live.

[Scott7m]

how could you not know your insurance ran out? they send you a bill about 1 month in advance, then they send you another notice, then a nice colored cancelation notice. they don't do this for their protection or just being nice to same people, they do if so they can get their premium. if you ignore these statements or toss them in the garbage because you think you know what they say before you read them then it's YOUR FAULT.

as for those around you who never carry insurance, what concern are they of yours, your just mad because it never seems like they get caught!

i'm not mad about anything...... like i said, i thought both payments were due at the same time! being january 30th.... so... i get at least 2 letters a week from state farm offering me some kinda crazy credit card, bank account and such.. and i always toss them and just pay my bill online or via the phone..... I thought i still had 30 days...

not blaming anyone for anything.. i don't see where you could get that.. i said i screwed up... what do you want me to say?

[Scott7m]

I have to agree with Keith. I hunted the Grayson area for 12 or so years and the level of poverty in Carter County and problems are half what some of the counties here (Magoffin, Floyd, Pike, ect) have. I live in a very downtrodden, drug abuse heavy, poverty ridden area, but I dont complain about it daily, I do try to make the area better by living and working here, I'm proud of where I'm from and where I live.

thats all you can do..... no one else would attempt to run a business in these parts.. and i can't say it's the smartest thing to do.. but i just love this area regardless of the problems, when you grow up hunting and fishing in an area it just really means a lot to you.. i can't explain it, but i'm sure you know what i mean..

most of the county isn't to bad, but the area i'm in is the worst.... there is no debating that.....

[mgpatty]

because its home........... thats about all i can say.... i find it hard to beleive that it's not like that most places, i just think some people are blind to it or something..

with all respect to you keith, i dont' see why you or anyone else thinks its a big deal to find a backpack full of pot.. i mean they found 300 pot plants on our place year before last and we didn't think nothing of that either.. it's just something you grow used to and don't think it's a big deal, until you tell that to some people who don't live in similar conditions. i'm sure that all you guys if someone found 300 pot plants ony our property you'd be on a manhunt for justice and trying to find out who's they were and such..

just like i was talkin about the poacher, 200 bucks and his gun back.. i mean it goes on and on and people just get off with nothing said or done.. been that way my whole life, and no one wants to see that change it seems.

different areas of the state are definitely different. it's sad to say but when it comes to the law and drugs and such my area is probably the worst in the state.. it's like a dang assembly line of people running off to ft. lauderdale pumping pills into this area.... i graduated with a class of probably 120......... i can think of at least 8 or 9 that i know of thats no longer with us due to drugs..

People break the law everyday, unintentially or not. Sooner or later it catches up with you.

As far as things 'just being that way' about pot growing, trespassing, poaching, drug use, etc in Eastern Kentucky it happens because of apathy. Some folks say "well that's just the way it's always been and that's the way it'll always be". Meanwhile there are folks who try to make a difference and actually voice a concern and make difference about these issues. Then they receive flak from the others who say it's just a waste of time. Nothing will ever change unless people stop being so apathetic.

[Scott7m]

People break the law everyday, unintentially or not. Sooner or later it catches up with you.

As far as things 'just being that way' about pot growing, trespassing, poaching, drug use, etc in Eastern Kentucky it happens because of apathy. Some folks say "well that's just the way it's always been and that's the way it'll always be". Meanwhile there are folks who try to make a difference and actually voice a concern and make difference about these issues. Then they receive flak from the others who say it's just a waste of time. Nothing will ever change unless people stop being so apathetic.

thats true........ i've worked with the law on several things.. and until i came here, i never would have.. I just assumed it was that way everywhere but some of you guys proved to me that things can be different. but the law officers there selves have a dilemma, they put their life on the line, and then a judge just throws it out or something.. it really takes away from their job.. i mean it'd be hard to know that you risked your life to get someone put away and then nothing be done...

most of the people around here don't want to see things change, and that is a great part of the problem! it's like you said people just say thats how it's always been ...........

[Redlined]

Maybe I'm missing somthing here, but why are you and your wife being billed seperately? Everywhere we've had our vehicles insured have always billed us for both vehicles on the same bill and the same policy.

[quackrstackr]

Maybe I'm missing somthing here, but why are you and your wife being billed seperately? Everywhere we've had our vehicles insured have always billed us for both vehicles on the same bill and the same policy.

My wife and I are billed seperately, also. I'm actually billed at 3 different times for the 3 vehicles that we own. Go figure.

i find it hard to beleive that it's not like that most places, i just think some people are blind to it or something..
..

You need to get out more. That statement is not accurate by a long shot. In fact, you are in the minority instead fo the majority.

I've never understood the mindset of people that think regular visits to their or their family's homes by the police are normal, either. :confused:

[Scott7m]

Maybe I'm missing somthing here, but why are you and your wife being billed seperately? Everywhere we've had our vehicles insured have always billed us for both vehicles on the same bill and the same policy.

i recently added a vehicle..... i didn't ask the price of that particular policy, i told her i wanted to add a car to my exsisitng one.. she said yea sure, this brings your balance to blah blah blah would you like to pay 50% now and 50% later or all now... I said all now! She then said your good until january 30th...... i screwed up and assumed it was for both cars, and i think i even asked her that.. but anyways.... no ones fault but my own.

[Scott7m]

My wife and I are billed seperately, also. I'm actually billed at 3 different times for the 3 vehicles that we own. Go figure.



You need to get out more. That statement is not accurate by a long shot. In fact, you are in the minority instead fo the majority.

I've never understood the mindset of people that think regular visits to their or their family's homes by the police are normal, either. :confused:

yeahhh.... or so and so is in jail.. like it's no big deal. and it seems that everyone around here always has a court date or is waiting on a settlement..

[bgdeerhunter]

Hey Scott, sorry bout your bad luck, seems like it always happens like that, you try and try then some little thing just bites you in the butt. But Keith was right man, I worked in your area several years ago and just didnt like it, and I know its home for you, but I thought to myself im glad im not from here cause I wouldnt want to move either, but think about your kids, you want them to go through this mess when they are grown, after all where would we be if our ancestors just stayed put and didnt try to do better for thier families. Hope I dont hurt any feelings but just something to think about.

[Scott7m]

Hey Scott, sorry bout your bad luck, seems like it always happens like that, you try and try then some little thing just bites you in the butt. But Keith was right man, I worked in your area several years ago and just didnt like it, and I know its home for you, but I thought to myself im glad im not from here cause I wouldnt want to move either, but think about your kids, you want them to go through this mess when they are grown, after all where would we be if our ancestors just stayed put and didnt try to do better for thier families. Hope I dont hurt any feelings but just something to think about.

no feelings hurt...... the schools here are good for the most part, and i appreciate my children having the oppurtunity to roam hundreds of acres of woods.. it'd be a hard thing to do and leave here, i know that for sure.

i've told my wife before, i'd only consider moving if it were to florida.. preferably around the jensen area or futher south. i love that area, some great great fishing... but i'd miss this place so much in the fall/winter i'd be sick!!!!!

[kycrat]

call your agent and tell him your situation. if you've been a good customer and explain everthing they should bond the coverage. if they don't i might seek a company that will be a little more forgiving of human error. my farm bureau agent will call before my conerage falls. i don't think he likes me as much as he likes his commission, but we both have similar interest in keeping thing insured.

[ptbrauch]

Maybe I'm missing somthing here, but why are you and your wife being billed seperately? Everywhere we've had our vehicles insured have always billed us for both vehicles on the same bill and the same policy.

We're billed separately because the cars were added at different times. State Farm just starts you a 6 month policy when you add a car. It doesn't matter if it coincides with your other vehicles or not.

[muzzy125acc]

Scott your threads are always long.. WHY???

[Matt722mx]

Scott your threads are always long.. WHY???

Glad I'm not the only one that notices.

[headoftheholler]

Scott your threads are always long.. WHY???
Scott seems to love to stir the ole pot.

[raktrakr]

First of all, glad the wife is OK,second, what will probably happen is the guy will turn it in to his insurance and they will come after you to get thier money back. My first impression when a guy offers to fix or pay out of pocket is, he doesnt have insurance. You need to read your policy to know if theres a grace period or not, all that info is right there

[UKCATSHUNTER]

Many things to touch on here. First I am a licensed insurance agent in the state of Kentucky.

The No fault part is medical injurys. Called PIP or Personal Injury Protection. Standard is $10,000 and can be raised depending on your company. Look at your policy it will say Kentucky PIP coverage.

Depending on many factors I think you insurance should pay the claim if you decided to turn it in. The driver who was hit can turn the claim in to HIS insurance company if he carries COLLISION coverage which will be subject to his deductible. He will list you as a 3rd party and his insurance comapny will subrogate through you. This should not happen unless he doesnt get paid by you or the company. He has to open a claim for this to happen and would be last resort.

Insurance rates are stupid expensive in East Kentucky due to fraud and the amount on un and under insured motorist.

Ill explain PIP coverage better. Say you hit me and I have 5K worth of damage. My company will pay that and then go after you based on your Bodily Injury limits. And please dont carry the state minimum! Another can of worms on that one!

[Scott7m]

Many things to touch on here. First I am a licensed insurance agent in the state of Kentucky.

The No fault part is medical injurys. Called PIP or Personal Injury Protection. Standard is $10,000 and can be raised depending on your company. Look at your policy it will say Kentucky PIP coverage.

Depending on many factors I think you insurance should pay the claim if you decided to turn it in. The driver who was hit can turn the claim in to HIS insurance company if he carries COLLISION coverage which will be subject to his deductible. He will list you as a 3rd party and his insurance comapny will subrogate through you. This should not happen unless he doesnt get paid by you or the company. He has to open a claim for this to happen and would be last resort.

Insurance rates are stupid expensive in East Kentucky due to fraud and the amount on un and under insured motorist.

Ill explain PIP coverage better. Say you hit me and I have 5K worth of damage. My company will pay that and then go after you based on your Bodily Injury limits. And please dont carry the state minimum! Another can of worms on that one!


Well thanks for a very good post........... I appreciate that.

I haven't heard anything about any of it! So I still don't know whats going to happen...... I've done some shopping for insurance online, and carter county is the highest county i've checked yet! It's nuts...

[UKCATSHUNTER]

I think your current company should pay if YOU decide to turn it in. Or you can pay out of pocket. Check with your company to see if you accident forgiveness. Then you can turn it in if they allow you and then will not increase your premium. Or you can pay with a check to the driver. Just call the guy and try and take care of it. Have him get three estimates or so and then decide from there. Any other questions feel free to ask. Ill do the best I can.

[AteUp]

I've done some shopping for insurance online, and carter county is the highest county i've checked yet! It's nuts...

Actually, based on all your stories, sounds about right that it should be the highest county.:eek:

[Scott7m]

Actually, based on all your stories, sounds about right that it should be the highest county.:eek:

See, they know it too!