Why
You Don't Need Auto Insurance!
A Creative, Slightly Risky, Solution
for Eliminating Auto Insurance!
How Auto Insurance Works
Every
once in a while, the crazy thought of
going without auto insurance goes through
everybody's mind; especially when it's
time to make your payment … AGAIN!
"There must be a way to go without
it," is the phrase that sometimes
runs through your head.
Well,
there is a way you can live without
Auto Insurance!
I
never thought there would be a way to
eliminate my auto insurance bill. I
actually became quite comfortable to
the idea of having car insurance…or
should I say numb to the idea of having
auto insurance. In my mind, I justify
its necessity by reminding myself that
in case I get pulled over by a policeman;
there won't be a $450 fine to pay!
This
was until my brother told me that he
has been driving for 7 years now without
car insurance! “How?” “What
do you mean you don't have Auto Insurance?"
was my first response! So he told me
about his strategy and how it has worked
for him. He actually spoke with an attorney
about the legal issues prior to making
this radical decision. If you decide
to do this, then I suggest that you
seek legal advice on the matter too,
so you know and understand all of the
laws in your state.
The
Plan
| The
most important and critical part
of this plan is for you to be
a good and careful driver. You
need to drive very carefully so
you avoid causing an accident.
If you believe that you can drive
safely, the plan will work. If
you hit another car…this
plan goes out the window. You
will have to pay for all of the
damages out of your own pocket
for the car or property you damage.
If someone is hurt in the accident,
you will be entirely responsible
for their medical bills, lost
wages, etc. Most likely, you will
be spending quite a bit of time
in the courthouse working out
all of these arrangements. This
could become extremely expensive
for you. Consequently, this is
why you need to honestly evaluate
your skills as a safe driver.
The
second element of this plan is
your ability to not be pulled
over by police for a traffic infraction.
But, you’ve already established
the fact that you are a good,
safe driver, so there is never
reason for you to get pulled over!
However, if by some chance you
do get pulled over, the law enforcement
officer will ask to see your proof
of auto insurance. You won't have
it and will consequently receive
a ticket. In my state (Washington)
it is a $450 fine. In some states,
you may have your car impounded
for this violation too. This is
why I suggested that you consult
an attorney on the laws for your
state.
Here
is the plan that my brother proposes
for this situation. When you appear
at the courthouse to pay your
fine and show them the proof of
auto insurance, they will usually
drop your fine completely or at
least reduce it by 50%.
For
proof of insurance, all you need
to do is apply for 6 months of
auto insurance online at Progressive
(click here). Once you have completed
the application, they will allow
you to print out proof of insurance.
Sometimes you may need to wait
until you get the actual insurance
card in the mail. Once you have
had your fine dismissed or reduced,
just call Progressive and tell
them to cancel your automobile
policy. They will issue a refund
check to you for any remaining
funds and send it to you. So,
most likely you'll spend $50 or
so on securing proof of auto insurance.
Now, do the math and weigh out
the risk for yourself!
Option
1:
Auto
Insurance payment: $250 to $350
per 6 months.
Option
2:
Proof
of insurance: Approximately $50
"No Auto Insurance"
fine: Approximately zero to $225.
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Initially
it appears to come out to be about the
same as far as expenses are concerned.
However, what you need to realize is
that Option 2 may never happen at all
(that’s the plan, right?!). If
you drive safely, never speed, and avoid
causing an accident, you probably will
not be pulled over. I know people that
have never been pulled over.
Disclaimer
This
article is a personal opinion and is
not meant to serve as any type of legal
advice. If you choose to operate a motor
vehicle without auto insurance, you
will be doing so at your own risk. I
am not liable for any consequences that
may result from your personal choices.
For legal advice, please consult a qualified
attorney in your area.
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