Tony, What a tragedy for your stepson. $14,000 must seem like an insurmountable sum to him at this time in his life. Thank God he didn't cause serious bodily injury to one or more of the auto occupants. If it is appropriate you might try to think of a way to pass on the following information. My wife was feeling severe abdominal pain in December last year so off to the ED we went. 5 hrs later they whacked out her gall bladder. She spent one night in the hospital, the surgery lasted about one hour and the bill BEFORE the surgeon and the gas passer was $22,000! A traumatic vehicle injury requiring a couple days in intensive care, a week in the hospital and therapy would likely exceed $250,000. This would truly be an insurmountable amount of money for most of us working stiffs to earn in order to make the injured party whole JUST FOR THE HOSPITAL STAY! Add in lost wages, pain and suffering, lawyers fees etc.and there would never be a light at the end of the tunnel.
BTW, I opted for the least expensive healthcare plan at the hospital where I work. The monthly premium is $34. $17 per pay period. We were out of pocket $1600. Less than 3 overtime shifts at the hospital and I could have earned the $1600 if I hadn't already had the money.
Obviously we insure everything we own. If you can't afford to insure it you can't afford to drive it.
The squidders from Oregon cross the river into Washing to do their 100 mph plus passes on our highways. Why? Because of they get pulled over for reckless driving they get a ticket. In Oregon they also cite them for now insurance,($1000), impound their bikes, pull their drivers license and force them to provide SR22 filings for 5 years after they finally get their licenses back. Sad but true.
Originally Posted by living_free
Here in New Hampshire, insurance is not required, so uninsured motorist is a very good idea.
Last year my stepson was in an accident. He did not have insurance and was at fault. We have always had insurance and tried to tell him he should have it, but at 19, you really couldn't tell him anything. He hit two other cars, causing a total of $14k of damage, and totaling his own vehicle. By law he is responsible to cover it. The state pulled his license until he pays it. He now wishes he would have listened to us. The other two drivers had uninsured motorist coverage, had they not, they would be out the cost of the damage since he does not have any coverage.