Please call or eMail this guy. William J. Aase, Esq. Attorney at Law 651-209-6884 Lawyer at akjustice.com He is handling a case for me (car crash). Sam. Adam Maloney wrote: >Not to pick specifically on Sam, but here is a great example of the >problem. > >So far, from the list and from other sources, here is what I've heard on >calling the police in an accident: > >Only call the police if there are injuries >"" if damage > "what you can wipe off with your sleeve" >"" if damage > $100 >"" if damage > $500 >"" if damage > $1000 >Always call the police (damage or not, injuries or not, etc) > >It seems that everyone I talk to has taken the $5 law class instead of the >$10 law class :) Sam may be right. But my dad might be right, my wife >might be right, my agent might be right, or any of the dozen other people >that responded might be right. > >Basically, I've decided that it doesn't matter what circumstances REQUIRE >you to call, I'm just going to call every time, just to be sure. If the >police don't like coming out for nicks and scratches, so be it. I'd much >rather have them busting the neighborhood meth lab, but I've got problems >too. > >As for why I didn't call my insurance company, let me explain that. > >When you are in an accident, and your insurance company knows you were in >an accident, your rates go up. I believe for most insurance co's you will >pay a higher premium for 3 years after the latest accident. This is >regardless of fault or whether they paid any damages. If you have an >accident on your record, and they see it, your rates will go up. This has >been the case for all 4 companies I've been with in the past. >Furthermore, 5 months ago was my 3 year accident anniversary (no cake), >and my insurance agent called and told me they wanted to switch companies >because with my record clear now it would be cheaper through this new >company. The accident 3 years ago was not my fault, and there were no >damages paid, but it was still on record with my insurance company, and my >premium was still much higher. > >I am not wrong here. I spoke with my agent again yesterday, and she >advised me to avoid getting the insurance company involved and just pay >the damages myself, to avoid a rate increase. She didn't have to pull my >file to see which company I was with to tell me this. This seems to be an >across-the-board policy for all insurance companies. The thinking is, if >you were in 1 accident, you are likely to be in more accidents (dictated >by where you live, where and how you drive, etc). > >So obviously the best solution is to have the other guy's insurance pay >the damages, and let his rates go up. This is what should normally happen >when you are in an accident and you're not at fault. > >Because I was driving the "uninsured Ford driver magnet", his insurance >company is not going to pay the damages. Now, I can take him to >concilliation court, where I will probably win (he won't show), but he >isn't REQUIRED to pay me. He will have a judgement against him for the >amount, and I can send him to a collections agency and shoot his credit to >hell, but the kind of people who drive w/o insurance already have bad >credit so he won't care. > >I can also send Louie and Mikey down to do a "scientific study" to see if >it's easier for him to pay me with broken kneecaps - but I won't. > >So now, I can have my insurance company pay it, or I can pay it out of >pocket. Now, regardless of my deductable, it's going to be cheaper in the >long run for me to just pay the $850 directly, rather than have my rates >go up for the next 3 years. > >But stil, thanks to everyone who responded, and special thanks to those >that offered help. I met St. Paul's finest at the corner last night and >actually got them to file a report, so we'll see what happens. > >On Sat, 27 Sep 2003, Sam MacDonald wrote: > > > >>BTW it the care has more then $100 damage you are required to call the >>police. We all know this but sometimes people are so nice willing to >>help you out. Call the police, call the police, call the police. >> >>Sam. >> >>Wayne Johnson wrote: >> >> >> >>>Having this done to me about 2 years ago, no it isn't hit and run, but it >>>might be considered fraud if the police can convince the DA to prosecute. >>> >>>Needless to say, the OWNER of the car can get slapped with a misdemeanor >>>for allowing the car to be driven without insurance. >>> >>>Call the police department of the city where the accident occurred. They >>>can give you immediate access to the registration. >>> >>>And ALWAYS call 911 when an accident happens. The squad can verify >>>address and insurance info on the spot. I learned the hard way. The >>>driver that hit me gave me a bogus name and address. If I hadn't written >>>down the plate, we never would have gotten to the owner, who had stopped >>>paying the insurance bills. Turns out the driver was a well known drug >>>dealer from the Brookdale area. A guy with one brown eye, and one blue. >>> >>>Ben Lutgens said: >>> >>> >>> >>> >>>>-- >>>>Ben Lutgens >>>>US Admins, Inc >>>>System Administrator / Server Gumby / General Purpose Lackey >>>>On 2003-09-25 10:03:04 -0500 Clay Fandre <clay at fandre.com> wrote: >>>> >>>> >>>> >>>> >>>> >>>>>On Thu, 25 Sep 2003, Adam Maloney wrote: >>>>> >>>>> >>>>> >>>>> >>>>>>Does anyone know of a quick and easy way to get this kind of >>>>>>information? >>>>>>Free is good, but I don't mind paying a small fee if anyone can >>>>>>recommend >>>>>>somewhere that I won't get (more) screwed. >>>>>> >>>>>> >>>>>> >>>>>> >>>>>> >>>>>Know anyone who's a cop? >>>>> >>>>> >>>>> >>>>> >>>>This is a matter for law-enforcement. Its tantamount to hit-and-run. >>>>Its called a crime. >>>> >>>>Call the police. >>>> >>>> >>>> >>>> >>>> >>>>>_______________________________________________ >>>>>TCLUG Mailing List - Minneapolis/St. Paul, Minnesota >>>>>http://www.mn-linux.org tclug-list at mn-linux.org >>>>>https://mailman.real-time.com/mailman/listinfo/tclug-list >>>>> >>>>> >>>>> >>>>> >>>>> >>>>> >>>>_______________________________________________ >>>>TCLUG Mailing List - Minneapolis/St. Paul, Minnesota >>>>http://www.mn-linux.org tclug-list at mn-linux.org >>>>https://mailman.real-time.com/mailman/listinfo/tclug-list >>>> >>>> >>>> >>>> >>> >>> >>>_______________________________________________ >>>TCLUG Mailing List - Minneapolis/St. Paul, Minnesota >>>http://www.mn-linux.org tclug-list at mn-linux.org >>>https://mailman.real-time.com/mailman/listinfo/tclug-list >>> >>> >>> >>> >>> >>_______________________________________________ >>TCLUG Mailing List - Minneapolis/St. Paul, Minnesota >>http://www.mn-linux.org tclug-list at mn-linux.org >>https://mailman.real-time.com/mailman/listinfo/tclug-list >> >> >> > > >_______________________________________________ >TCLUG Mailing List - Minneapolis/St. Paul, Minnesota >http://www.mn-linux.org tclug-list at mn-linux.org >https://mailman.real-time.com/mailman/listinfo/tclug-list > > > _______________________________________________ TCLUG Mailing List - Minneapolis/St. Paul, Minnesota http://www.mn-linux.org tclug-list at mn-linux.org https://mailman.real-time.com/mailman/listinfo/tclug-list