Scruit

In the UK insurance companies have to report license# and list of insured drivers* to the PNC (Police National Computer). Same with annual safety check (MOT) and road tax (just like renewing tags). When you drive past a police car equipped with ANPR (Automatic Number Plate Recognition) or a roadside camera with ANPR then your details are checked against PNC and any problems will alert the police to pull you over. Non-insured or non-licensed drivers have their cars impounded, and crushed 14 days later unless they can correct the deficiencies in that time. That system works very well to keep unlicensed and uninsured drivers off the road, but Americans will never accept that level of government monitoring. * Unlike Ohio and other states, which typically insure your car for anyone to driver, and you can drive anyone's car, the UK insurance companies insure one car one driver, and if you want anyone else to drive your car you have to specifically name them in advance. If you want to drive anyone else's car then you have to be named on their policy. You can opt for any driver/any car, but it is very unusual and expensive. Most policies give exceptions for non-named family members to drive you home in an emergency.

Believe what you want. I just hope nobody else relies on your disinformation.

I don't believe that for a second. Cited for no insurance, sure, but not found at fault only due to insurance. Let me pull the accident report. Need a date, county and major road name. When I get back to my computer I'll pull some local reports from uninsured drivers and show you that fault is always determined by driving action, not paperwork compliance.

Absolutely 100% wrong. Nothing about the driver makes him *automatically* at fault. It is the specifics of the accident that determine fault. I had someone tell me that a drunk driver it automatically at fault. I asked what would happen if I rear-ended a drunk driver whose was waiting at a red light - whose fault is it? Someone else told me that driving with a cast, sling or other injury/first aid configuration would automatically make me at fault (I was driving an automatic with my left foot in an air cast) I asked the same question - if I get rear-ended waiting at a red light then is the accident my fault? No, the accident is only my fault if I make some maneuver that is illegal and I cause the collision. The cast/sling may be ruled as a factor, but if that cast or sling had no bearing on the accident, then it's irrelevant. Insurance, license, whether the car is stolen, taxed/registered etc are all between the driver and the BMV. None of those things make you automatically at fault for any accident.

If you borrow my car and wreck it then of course I am owed for the damages - but if I have no insurance and you have liability-only (which will not cover the damage to the car you are driving) then it will come out of your pocket, not your insurance. If you want to be covered for damages to cars you borrow then purchase collision coverage. I am covered comprehensive, any car, any driver. If liability insurance covered a borrowed car you are driving then my buddy and I could both get liability-only, borrow each other's cars permanently and both effectively have collision coverage for free.

Don't forget your insurance company will subrogate the claim jointly and severally to both the owner and the driver. Under Ohio law, in the case of a motor vehicle accident, both driver AND owner are responsible for making sure the operation of the vehicle was covered by insurance.

If the car you borrow does not have insurance, you are required to have liability insurance. Regardless of who owns the car, there must be SOME liability insurance in place, and ultimately the driver is responsible for that.

The judge in a civil suit can suspend his driver's license indefinitely until payment is made or a payment plan agreed upon, as a measure to enforce payment. This is different from getting a ticket for no-insurance and getting a predetermined length suspension as a punishment. I was an eyewitness in an accident in a parking lot. The police didn't ticket the guy for anything and his uninsured status only came up later. The victim driver claimed against her insurance and I was called as a witness in a civil trial for the cost of the repairs. He was ordered to pay the full amount, plus her deductible. His license was suspended (the judge makes a request to the BMV, they honor that request). As it happens, he never paid anything, and whenever they found out where he worked he'd quit when the garnishment order was filed. He still has no driver's license. ** SEE EDIT BELOW For most folks, though, the suspension thing should do the trick. **EDIT: Apparently they can only suspend for 2 years: http://www.bmv.ohio.gov/security_suspension.stm

In an uninsured motorist case they can suspend the DB's driver's license until the damages are paid (or a payment plan is agreed upon). Even if you don't get you're money you have the satisfaction of knowing he's not driving*. * Driving uninsured, but looking over his shoulder and crapping his pants every time he sees a cop.

Pay the deductible, get the car fixed, then let your insurance company take him and his friend to small claims for the deductible.

What does that have to do with an uninsured crash? If the company has any liability then your brother cannot disclaim that. I guess they're trying to get him to agree to indemnify them against a claim (he pays them back if they have to pay out). If the punchee is racking up medical bills then your brother needs to talk to a lawyer. Vicarious liability is a complex area of law.

Let your insurance handle it. They will (should) sue him for the cost of repairs. The first $500 he pays will (should) go back to you. The judge will (should) order that his license be suspended until the damages are sorted out (paid in full or a payment plan is agreed upon).

Pay him a deposit, and wait for your taxes. Why would you finance it at all (CC) if you have taxes coming? Add up the cash advance fee, interest, early insurance etc, I bet you you pay $100/ride for your early rides. How long do you have to wait for your taxes?

Holy crap. That girl's so big she I bet she has to hire the Sea Shepherd Society as her bodyguards.

Nice. Some kind of theft tracker doesn't just protect your bike, but by tracking down the thieves it also helps protect other people's bikes too.

Or uses terms like "allegedly", "i believe" or "probably not altogether unlikely". "He stole a motorbike and allegedly enjoys kicking puppies. I don't have proof that he eats baby bunnies alive, but I believe it is probably is not altogether unlikely."

Also, a friend's car.

Ohio Revised Code 2305.40 ©(3) removes property owner immunity for hurting a criminal if they use booby traps...

Lock them all up. 1 year for every thousand dollars your insurance has to pay out.

Any chance that other folks involved will lead the police to your other two bikes?

I'm also toying with the idea of being able to remotely trigger the airbags. That would be very easy (expensive to test, though) and I probably won't go to jail for it. Actually, I probably would. Shit. Anyway, the trackers are very accurate, the software gives me a minute-by-minute location (although I'm looking to dial that back to 10 minute intervals to allow me to switch to cheaper data plan - I can set it back to 1 minute intervals in a fews seconds with a single sms message. I can activate the output relays with an SMS message. I'm looking to write a simple webpage that would allow me to click on buttons to sens SMS messages for things like "set lowest possible tracking interval" and "Activate hazard lights and 4ways" in the event of theft. Even as simple as having a relay that can deactivate all forward lighting so that if stolen at night the car would be almost impossible to drive outside of a city. The red placemarker is about 10' off from the actual physical location of the vehicle being tracked. The have been extremely reliable, no problems at all. The worst bit is you have to install the software on a computer at your house that is always on. You can use OpenGTS or GPSGate.

Glad you got it back. Maybe the pickup driver can help lead the police to the other bikes. I set up a GPS tracking system for my vehicles using Meitrack VT310 trackers ($100 each), free software (OpenGTS) and GPRS Cellular service through Consumer Cellular that costs me about $12 per vehicle per month. The biggest difference between this and Lojack/OnStar is that *I* own the website and the tracking data so nobody else has access to it, but I can direct police towards a stolen vehicle. It also has the ability to operate up to 6 relays (horn, lights, unlock doors, cut engine etc) but I've yet to wire that up.

It would be easy to tell the difference. If the damage is to the front of the car then you hit the deer. If the damage is to the side then the deer hit you. Luckily, it doesn't matter (to anyone except conn-e-rot's agent)

My agent told me any collision with an animal in the roadway is no-fault to me. The big thing is HIT THE DAMN DEER - don't swerve. If you crash off the side of the road and leave no evidence that there was a deer then you will get cited for failure to maintain control and the claim will be ruled a "collision", not "Comprehensive". Same with any crash - if someone cuts you off and you swerve and crash then the offender can drive away while your car is disabled - or simply deny cutting you off - and there's no physical evidence to back up your side of the story. The police and insurance companies deal with "phantom cars" and "phantom deer" all the time and 99% of those folks are lying, so they'll assume you are too. http://money.msn.com/saving-money-tips/post.aspx?post=72e4c50b-19ea-4c81-87a9-7215fd1d84c3

Avoid the "Approved" bodyshops. I have never had luck with an approved bodyshop. To this day I'm still finding stuff they messed up years ago. Missing bolts from parts that they couldn't get to line up, etc. (rather than fixing it correctly so that the parts lined up) . Paint crazing after a year. One place painted the car and it wound up with debris in the paint as big as grains of sand. They say they'd fix it, but it turns out they just kept polishing it. I refused the car 3x and on the 4th pickup date the insurance adjuster came with me - he measure the paint thickness and asked the bodyshop had put more paint on it after the first complaint. nope. They just kept polishing it over and over until it was only "a couple passes of a buffer from seeing primer" according to the adjuster. The adjuster STILL tried to get me to accept the car back but I refused and demanded it go to another bodyshop of my choosing. I took it to First Impressions Columbus and they nailed the fixes first time. Funny thing was that after pressuring me to accept the poor repairs ("I don't think anyone has the ability to fix this car to a point where you will be happy with it") he signed off on my own bodyshop choice and then said; "I don't blame you, I'd have refused it too." I spoke with the bodyshop receptionist after she moved on to a new job and found that they had fired the bodyshop manager because I was just one of a dozen unhappy customers all complaining about the same types of things (bad paint, panel gaps, unfinished reassembly) at the same time. And the bad shop is still an approved bodyshop for my insurance company...