evo not fixable
Evolving Member
Joined: Nov 2006
Posts: 132
Likes: 0
From: Palo Alto
Collision isn't mandatory in most states (in terms of insuring your own car, this doesn't have to do with cars that you hit). However, not getting collision on a car worth more than a few grand is crazy.
Minimun coverage varies from state to state. Look up the required minimums if you're curious. And I have to agree....if you're going to have the car, cover it properly or be financially prepared to assume the liability. The EVO is not all about speed and looks.....it takes a lot to own one and do it right.
No fault insurance is another thing some here seem to be forgetting; some states it doesn't matter who was at fault - your insurance is the only policy that covers your vehicle and the right of the other motorist to sue (limited tort) is restricted to severe injuries and pain + suffering (i.e. medical and NON-automobile related).
Though the poster hasn't explicitly stated his reasoning for having no collision insurance, it is possible he lives in a state where his OWN insurance would cover his auto loss even in the event of another drivers fault. Of course he could also have just cancelled his own insurance policy after driving off the lot which would be a boneheaded thing to do. We all learn lessons one way or the other
Though the poster hasn't explicitly stated his reasoning for having no collision insurance, it is possible he lives in a state where his OWN insurance would cover his auto loss even in the event of another drivers fault. Of course he could also have just cancelled his own insurance policy after driving off the lot which would be a boneheaded thing to do. We all learn lessons one way or the other
I have been there my friend...when I was 17, I purchased my first car, a craptastic midnight blue Mustang GT. I purchased the car on a Friday night, so, I could not get insurance until Monday. My parents told me not to drive the thing until AFTER I had coverage. To make a long story short, Mustangs get really loose in high speed corners, really loose. Me and my padna and the uninsured auto hit a tree and landed in the bayou(a slow moving stream). Everyone was more or less ok, well my buddy was ok, I was more or less.
At this point, the only advice I can give is just look forward to the day when you can laugh when your friends f***ing with you about it, because they probably will.
Good luck ma man.
At this point, the only advice I can give is just look forward to the day when you can laugh when your friends f***ing with you about it, because they probably will.
Good luck ma man.
Yes, it does vary widely from state to state. For example, here in California, the absolute minimum required by law is a liability-only policy with limits of 15/30/5 whether you fully own the vehicle or not. However, it doesn't matter where you live when you finance a vehicle, it's up to that financial institution to set the requirements of the insurance of the vehicle. Their requirements trump any state or local law as they own the vehicle in a technical sense and are allowing you to drive it by means of monthly payments to them. And I don't know of any institution that allows financing without at least comprehensive and collision. I also don't know of any auto carrier that will write a policy, that will allow you to have one of these two coverages without the other.
You can argue tort, liability, etc. all day long. In the end, hope you're not living in a no fault state and that the guy who t-boned you had insurance, since you don't have un-insured motorist coverage, you'll have to sue for damages. ugh
***Also, while you do have to show proof of coverage before you can drive your car off the lot, you do have 30 days to report the new vehicle to your insurance carrier, within those 30 days if a claim arises, your carrier will have to accept it,, even if you didn't report your new vehicle too them, which I believe falls under federal law. But, dont' expect to get your policy renewed next year.
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You can argue tort, liability, etc. all day long. In the end, hope you're not living in a no fault state and that the guy who t-boned you had insurance, since you don't have un-insured motorist coverage, you'll have to sue for damages. ugh
***Also, while you do have to show proof of coverage before you can drive your car off the lot, you do have 30 days to report the new vehicle to your insurance carrier, within those 30 days if a claim arises, your carrier will have to accept it,, even if you didn't report your new vehicle too them, which I believe falls under federal law. But, dont' expect to get your policy renewed next year.
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Last edited by Alphex; Nov 17, 2006 at 04:55 PM.
Evolving Member
Joined: Sep 2006
Posts: 485
Likes: 0
From: Alabama
here in bama you have to have full coverage if you have a loan...you can't get anything less until you pay the car off....
anyways....you should save the engine and tranny and everything and go buy an evo that doesn't run or something cheap and put everything into it
anyways....you should save the engine and tranny and everything and go buy an evo that doesn't run or something cheap and put everything into it
Originally Posted by MarkN1689
my evo was t-boned and is not fixable. the front and rear end and drivers side are untouched. The passemger side is crushed into the cabin. What are my options since I did nor have collision insurance. The motor is fine and I just paid for a 2000$ clutch job along with a 1000$ ams tbe.
opinions/options welcome.
opinions/options welcome.
