The official "Ask a cop/deputy anything!" thread

[cmyx6go]

Originally Posted by UncleWede

If the white car makes a left in front of the brown car and as a result of that collision only the brown car hits my parked truck with just over 2000 miles and only two payments made, do I go after white or brown insurance?

White car doesn’t seem to be a listed driver on insurance. Brown car is unlicensed

Yeah, that’s why I have uninsured coverage

That sucks.

[vreihen16]

Were any tickets issued? Who did the police report say was at fault, if anybody?

If the damage is under $10K, I vote that you take it to "Judy Justice." I believe that the show still pays all judgements, and a lot of her cases are about uninsured motorists or unlicensed drivers. Funny to watch her yell at defendants because "their insurance just lapsed the day of the accident" or they deny giving an unauthorized driver permission to drive their car.

My best suggestion to everyone is to max out your uninsured motorist coverage, since it pays YOU for damages caused by these negligent vehicle owners.....

[Sedan_Clan]

Originally Posted by UncleWede

If the white car makes a left in front of the brown car and as a result of that collision only the brown car hits my parked truck with just over 2000 miles and only two payments made, do I go after white or brown insurance?

White car doesn’t seem to be a listed driver on insurance. Brown car is unlicensed

Yeah, that’s why I have uninsured coverage

You would go after the insurance coverage of the brown car. While the actions of the operator of the white car predicated the collision between the brown car and your parked/unoccupied vehicle, the operator of the brown car collided into your truck. The driver/operator of the white car was just an associated factor in the crash. Being unlicensed won’t affect your insurance company’s ability to ascertain coverage (…assuming the driver/operator of the brown car had full coverage).

[Watching The World Burn]

Originally Posted by UncleWede

If the white car makes a left in front of the brown car and as a result of that collision only the brown car hits my parked truck with just over 2000 miles and only two payments made, do I go after white or brown insurance?

White car doesn’t seem to be a listed driver on insurance. Brown car is unlicensed

Yeah, that’s why I have uninsured coverage

Sorry, just back it up a second so I understand.

You got hit by a driver who is unlicensed - does that mean uninsured? And the other driver isn't on the insurance, so presumably you can't go after him.

And there are no consequences? Nobody goes to jail? The other parties just look at you and say "Well...that's too bad, guess you are SOL"? No consequences at all?

So you have to pay extra for insurance to cover the actions of other people who then don't reap any repurcussions for their actions?

[Sedan_Clan]

Originally Posted by Watching The World Burn

Sorry, just back it up a second so I understand.

You got hit by a driver who is unlicensed - does that mean uninsured? And the other driver isn't on the insurance, so presumably you can't go after him.

And there are no consequences? Nobody goes to jail? The other parties just look at you and say "Well...that's too bad, guess you are SOL"? No consequences at all?

So you have to pay extra for insurance to cover the actions of other people who then don't reap any repurcussions for their actions?

Unlicensed and uninsured are two different things. Just because a driver isn’t on the insurance doesn’t mean you can’t go after the policy.

As for the consequences, California reduced driving unlicensed to simply an infraction rather than a misdemeanor as of January 1st, 2023. Even before that it wouldn’t have resulted in jail time. You see a reduction in consequences everywhere, not just California. Blue cities/states are considering making current crimes such as car jacking no longer a crime. We live in a clown world.

[vreihen16]

Welcome to 2023, where most accidents are written as no-fault (max out your no-fault and PIP coverage as well!), people are not held accountable for their negligent actions, and insurance companies refuse to pay out if their insured's vehicle was being driven by an unlicensed or suspended driver.....

[dradernh]

Originally Posted by Sedan_Clan

Just because a driver isn’t on the insurance doesn’t mean you can’t go after the policy.

^ This.

My brother was hit and killed by a drunk driver while crossing a street in Colorado.

The driver wasn't on the vehicle's policy, and the insurance company sent a $100K check out the following week. I've assumed either Lakewood PD or the owner had notified the insurer, it reviewed the police report of the incident, and the check was cut the next day. I was grateful I didn't have to fool with that on top of everything else that had to be handled.

FWIW, the driver blew .32 five hours after being taken-in. One of my brother's friends was an ER RN, and I asked her how such a circumstance was possible. I guess ER professionals see just about everything, as she replied with something along the lines of: "We regularly see people who are beyond blind drunk, yet they're still capable of navigating the world – up until the point where they're not."

[Sedan_Clan]

Originally Posted by dradernh

^ This.

My brother was hit and killed by a drunk driver while crossing a street in Colorado.

The driver wasn't on the vehicle's policy, and the insurance company sent a $100K check out the following week. I've assumed either Lakewood PD or the owner had notified the insurer, it reviewed the police report of the incident, and the check was cut the next day. I was grateful I didn't have to fool with that on top of everything else that had to be handled.

FWIW, the driver blew .32 five hours after being taken-in. One of my brother's friends was an ER RN, and I asked her how such a circumstance was possible. I guess ER professionals see just about everything, as she replied with something along the lines of: "We regularly see people who are beyond blind drunk, yet they're still capable of navigating the world – up until the point where they're not."

I’m sorry to hear about your brother. My condolences!

I, too, have seen people with crazy high BAC’s and wondered how/why they weren’t dead from alcohol poisoning.

[Esteban]

I just don't understand drinking and driving. I would never get behind the wheel, even drinking just a little bit. I want 100% of my senses and abilities when I drive. Even then you never know what might happen. No reason at all to take chances with your life or someone else's.

PS - oh, and I like to drink.

[ezaircon4jc]

Originally Posted by Esteban

I just don't understand drinking and driving. I would never get behind the wheel, even drinking just a little bit. I want 100% of my senses and abilities when I drive. Even then you never know what might happen. No reason at all to take chances with your life or someone else's.

PS - oh, and I like to drink.

A friend explained to me the progression of drunkenness. He told me there is a point where one goes from "I shouldn't/can't drive" to "I'm invincible!" I've not been in that position, but he has in a past life. The way he explained it to me was something I couldn't really understand.

[Esteban]

I meant to saydradernh, sorry about your brother.

[vreihen16]

Originally Posted by Sedan_Clan

I, too, have seen people with crazy high BAC’s and wondered how/why they weren’t dead from alcohol poisoning.

My theory is that they have become gradually acclimated to the higher BAC levels over the years.....

[ezaircon4jc]

Originally Posted by vreihen16

My theory is that they have become gradually acclimated to the higher BAC levels over the years.....

The term "functioning alcoholic" comes to mind...

[vreihen16]

Originally Posted by ezaircon4jc

The term "functioning alcoholic" comes to mind...

Is that the rum talking?!?!?

[ezaircon4jc]

Originally Posted by vreihen16

Is that the rum talking?!?!?

Naw, the only "drinking" I do is a glass of red at dinner for my heart. Seems to be working as the Dr who did my double CABG said my heart was just fine. I did enjoy rum, but my type 2 makes those days over.

[vreihen16]

I don't drink at all, and the toast at our wedding was sparkling apple juice.....

[Sedan_Clan]

Well damn!

[UncleWede]

Karma is a 3-yo bitch!!!

[floridaorange]

Ever see this happen before?

[Murf the Surf]

Originally Posted by floridaorange

Ever see this happen before?

This video is making the rounds. Pretty wild. I have to wonder if the driver was rubber necking at the accident on the opposite side of the highway or maybe had their face in their phone. It's not uncommon to see people run into vehicles that are involved in an accident or the vehicles stopped because of the accident, police cars, ambulances and firetrucks get hit quite often. You'll often see firetrucks set up to block traffic and protect the folks working on the existing accident. That was quite a spectacular example though.

[freakystyly]

This video is popping up everywhere now. Looks like everyone involved dropped the ball.

[cmyx6go]

Originally Posted by Murf the Surf

This video is making the rounds. Pretty wild. I have to wonder if the driver was rubber necking at the accident on the opposite side of the highway or maybe had their face in their phone. It's not uncommon to see people run into vehicles that are involved in an accident or the vehicles stopped because of the accident, police cars, ambulances and firetrucks get hit quite often. You'll often see firetrucks set up to block traffic and protect the folks working on the existing accident. That was quite a spectacular example though.

That's what I asked in the other thread. I can't tell if the flatbed was in the left lane or on the shoulder. Either way, the norm is for a police vehicle to be behind with lights blazing. Again, she is to blame, probably had her face in her phone.