11-13-2009, 05:14 PM
Liability works both ways. If you hit someone and it's deemed YOUR fault, YOUR liability insurance will cover it for the person you hit. YOU are shit out of luck to a degree. I am pretty sure medical to a certain amount is included for you as well. I'm not sure on that as it could be state to state on the regulations on what only liability covers.
If you hit someone and killed them and you had no insurance, and it was your fault, how comfortable are you saying, "well too bad for them"? They have no recourse if it's your fault and you have nothing they (they = the survivors or family of the deceased) can sue you for.
The most they can get out of you is whatever their no-fault covers and anything you're worth like your house. They can garnish your check if you work on the books but if you have nothing they get nothing.
No, insurance is a good thing, we just need it reformed to make it insurance again and not gambling.
If you hit someone and killed them and you had no insurance, and it was your fault, how comfortable are you saying, "well too bad for them"? They have no recourse if it's your fault and you have nothing they (they = the survivors or family of the deceased) can sue you for.
The most they can get out of you is whatever their no-fault covers and anything you're worth like your house. They can garnish your check if you work on the books but if you have nothing they get nothing.
No, insurance is a good thing, we just need it reformed to make it insurance again and not gambling.