VX Insurance

[Ldub]

but why is insurance so expensive here in america and more in wisconsin i have looked and looked and looked and cant get cheaper than 1000.

It's because there is a never ending supply of ash hats like yourself that drive without insurance...the rest of us get to pay for your inconsiderate ways through higher premiums...THANKS

And you can knock off the cutesy "lol" crap any time.

[VXIRONwoMAN]

Be careful Pepino... If you end up getting nailed by a cop for a silly traffic stop and they find out you have no insurance... you may get your student visa revoked. And that wouldn't be good.

Sorry everyone on here seems to be using you as a punching bag for all the millions of uninsured drivers out there.

[Pepino]

its okay i understand them but they are not in my shoes...
3 months ago a frienf of mine got hit by an uninsured drunk driver, he almost killed my friend, the guy had no insurance no money he is in jail now.
I come here to ask about insurance and to see how it works here and i get called names and everything just because i dont know, i think insurance here works way different than insurance in Mexico.
sorry for my ignorance about this subject, i just wanted help but i got something else.

[taylorRichie]

Being new here I was pretty "easy going" in my first response... Didn't want to turn anyone off.

You say... They're not in my shoes... well... you're not in ours...

I have had to pay out of POCKET, ~$1,000 for a claim because of an uninsured motorist. I could have gone after them civilly but it's really not worth it.. It would have cost me over $1,000 in my time alone.

If you can't afford insurance how do you have a VX. And since you can't afford insurance (even liability) then you should take the bus.

Do us all a favor, sell the VX, buy a metro, and then you should have the money to keep it insured for a while.

[Pepino]

ill save the money and will get insurance, in the next week... ill work it out
i understand all the hostility and i am in your shoes too, if i get hit by an uninsured driver its even worse for me so i think i know how bad is to be uninsured.
well i dont completly understand how insurance works but for everyones good ill get it as soon as possible, ill get my american driving license this weekend hopefully that will bring the price a little.
I spend at least 20K a semester for school living expenses and car maintenance,
my dad is the one with the money he is the one who gave me a price range and i chose th VX he bought it for me, but i thought i was already making him spend too much money on me so i didnt want him spending another 2K dollars a year, but ill see how much money ill come up with this week and ill get it

[Ldub]

[QUOTE=Pepino;126537]I come here to ask about insurance and to see how it works here and i get called names and everything just because i dont know,QUOTE]


Lets clear something up...no one jumped on your case for asking a question.
You voluntarily shared information that you have never insured your VX...
Seriously, you're college educated, what did you expect?... congratulations?

I commend you for making an effort to get insured, but sometimes, thinking things through before posting them on a public forum, is in your best intrest.

[Pepino]

i agree with you it was stupid of me to post before thinking, i wasnt expecting such a strong reaction or anything like that. ill keep that in mind and still thanks for making me wake up on the insurance subject, i never thought it was such a big deal i didnt know what could happen without it, but i did my research now and understand everything.
without that strong reaction i would have stayed in the dark side, the evil side, the ignorant side.
thanks for making me come to sense

[JoFotoz]

I see some blanks..IGNORE WORKS!

I bet pepino is unloading 'poor student me' excuses.


Go look at pepino's "gallery"...

He BRAGS...

My Mustangs
My Mini cooper
My Prowlers
My Jeep
My porche


...yet "IT" happily vaunts about having no insurance.


( To quote an awesome movie).......you are a fargin icehole.


....JMHO


jo


PS...sorry if I'm venting...but I've seen several friends almost bankrupt because of uninsured (drivers) iceholes!


.

[Pepino]

those are my dads the only car i own its My VX but while i am in emxico i drive the other ones. i am the poor one my dad is the one with the money i just dont want him spending more on me

[JHarris1385]

Jo i think he got the point the first time. You are a little harsh.

Wrecks involving patrons without insurance are what attorney's are for anyways.

[WormGod]

3 months ago a frienf of mine got hit by an uninsured drunk driver, he almost killed my friend, the guy had no insurance no money....

Ooooooh, do I have a story I could share with you that strums that exact same tune then....

I'll just leave it with this Cliffsnote....



The drunk, uninsured, non US citizen that hit me head-on did not live. Had he had insurance, I would have been covered. Had he lived, I could have sued (for what.... who knows). Alas, after 5 years of a lot of lawyers shrugging and looking around, I had to claim it ALL on my auto insurance to pay for my surgeries, my passenger's injuries, my loss if pay and such from being out of work, etc, etc, etc....

Ya man, get some insurance. I realise a lot of non citizens are here for pleasure, school, work, whatever, but those of us who have to live here and abide by every little law in the book end up getting burned for all of the fine print. I am not part of the lynching crowd, but it is good advice and if anything, could save you from getting the skin sued off of your back if something were to happen.

[Pepino]

that happened to you? thats so bad! how are you now?
was he an illegal Mexican?
Actually everytime we are here on vacation we always get international insurance for whatevere the time we spend in America.
But anyway thanks everyone for the advice!

[CoastieCosta567]

*****Hey, U.S. Citizen or not there are all out there*****. don't start getting all crazy with people from other counrties living here. I lived in the US for 16 years waiting for my Greencard, and i couldn't drive till i was 21 and get insurance or even go to collage. Now i don't agree with you pepino, cuz i didn't drive and i obayed the law, and u know what, it pays off, cuz if i did and got pulled over i would of been deported back to Costa Rica, or even worse i could of killed some1 or hurt them if i got in an accedent. Now i'm doing my part as i believe, just my openion, I'm serving this country in the militery cuz of what it has given me and i'm thankful, so i think every1 one that comes to the U.S, should serve at least 1 term to give back to the country, Again thats just my openion. anyways Pepino I have to say don't drive with out being insured, not far for the rest of us who pay, cuz the day will come that you will have insurance and your ignorance now will cost you in the future and thats called Karma Bro. Be thankful you are here legally, are going to school, have a drivers licence, now all you need is insurace, find a way bro, just find a way.

[Dare2Dream]

First off, I fully agree that there is no justification for not having insurance. If you feel insurance is too expensive, then you have the option of not owning a car. There is no excuse for reckless endangerment of other's life and property. Those who have stressed this point are absolutely correct. Insurance is a safeguard for all of us, and if it is expensive for you despite the hundreds of insurance companies, then there is a reason for it. If one can't afford a car (including insurance) than don't buy one. Walk, bike, use public transport, carpool, buy a motorbike, a cheaper car...

Secondly, need to make sure that we don't let issues like these turn into xenophobic discussions. Just as there may be some non-US citizens breaking the law, there are plenty of US citizens doing the same, and the opposite is also true. This is a serious issue and not about scoring xenophobic political points.

[VehiGAZ]

I had a big realization yesterday while pricing out insurance for an addition to the stable...

The insurance for a 2006 Mini Cooper S valued at ~$21k was only about 5% more expensive than what I've been paying on the VX! WOW. VX insurance is just HIGH.

The gas savings on the Mini will pay for its insurance, though. :-)