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GOT TICKETS? WHAT NOW?
By Chuck Wells
Almost everyone gets a ticket
while driving now and then. It’s no big deal. However, some
tickets can really jack up your car insurance premiums. Try not
to get the big tickets.
Tickets which won’t cost you an arm and leg on your car
insurance (unless you get more than one): Disobey Traffic
Device, Speeding less than 15mph over the speed limit, Loud
Muffler, Stop Sign, Red Light, Failing to Dim Headlights.
Insurance companies look back 39 months for these tickets.
Tickets which may require you to get a second job in order to
afford your car insurance: DWI or DWAI, Leaving the Scene of an
Accident, Driving out of Restriction or Out of Class (including
driving after 9pm if you are a new driver), Permitting an
Unlicensed Driver (you knowingly allow someone who doesn’t have
a valid license to driver your car), Driving While License
Suspended or Revoked.
I have people call me all the time with two or three pages of
tickets complaining that they can’t afford car insurance. It is
always someone else’s fault that they got a zillion tickets.
They usually have multiple license suspensions for not paying
fines and then get picked up for driving with suspended licenses
which makes things even worse.
If you get a ticket, pay the fine right away. Don’t get your
license suspended for not paying a fine. License suspensions
make you look like a dead-beat to insurance companies. If you
get more than 1 ticket in a 39 month period, you are considered
a lousy driver by most insurance companies and you will pay big
bucks. If you have 6 or more tickets, you should buy a bike and
stay off the road because you are stupid and stupid people
should not be driving.
CAR RUNS OVER BOY’S HAND
Carl Truman of Los Angeles sued his neighbor because the
neighbor ran over his hand with his car. A jury awarded Truman
$74,000 for his injuries. Oh, by the way, Truman was stealing
the hubcap off the neighbor’s car when the neighbor was backing
out of his driveway. That’s how Truman got his hand stuck. Crime
pays.
DOG TAKES A BITE OUT OF CRIME
Jerry Williams of Little Rock, Arkansas collected $14,500 from
his neighbor’s homeowner’s insurance policy. Seems that Williams
was bitten in the buttocks by the neighbor’s beagle. The jury
awarded Williams the money even though he was shooting at the
dog repeatedly with a pellet gun provoking the bite.
NEW YORK CAN’T PAY BACK LOAN
All businesses in New York just got a bill from the New York
State Dept. of Labor. New York borrowed money from the Federal
government because they didn’t have enough money to pay
unemployment benefits. Of course, NY has been collecting
premiums from all businesses to pay this obligation but they
must have spent the money on other more important things. When
they didn’t have enough money to pay back the loan to the Feds,
they decided to charge all businesses so they would have money
to at least pay the interest on the loan. And we wonder why
businesses leave this state. Can’t we do a recall like
California?
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