11-10-2009, 10:06 PM
(11-10-2009, 09:46 PM)ramseycat Wrote: You're right, you probably wouldn't be covered. Unless, it was during the grace period where you are late on your premium but have not actualy been cancelled yet.
The likelihood of which is pretty damned slim.
ramseycat Wrote:And while you were driving around with your insurance lapsed and you slide on the ice and t-bone another car in an intersection, THEIR insurance has to pay for their vehicle AND the injuries they sustain.
Unless, like most people, they only have liability on their vehicle. And even then, why does it mean that I would be a greater risk to MY company? Insurance companies are hardly the champion of injured people. Hell, even if you HAVE insurance, you have to fight like hell to actually get the coverage you paid for. And then, even in cases where the accident wasn't your fault, guess what?? YOUR premium goes up!! You're screwed coming and going.
Ramsey Wrote:And maybe I am wrong in our case, but usually when your insurance lapses, it's not because you cancelled the policy. It's because you didn't pay your bill. Again, frowned upon by the underwriters.
No, you're right. The policy was canceled because I didn't pay the bill, but so frigging what? Seriously.. it's not like you're getting anything you don't pay for. You pay for insurance coverage IN ADVANCE. So fuck 'em. If I could figure out a way to screw them out of the money now, I absolutely would, in protest. It's not the job of insurance companies to be the 'moral police' to make sure everyone walks the straight and narrow. It's their job to cover your ass if you need them and you're paying them for it.
Again - insurance companies are the devil.