So best case for someone like this: don’t drive. Get other people to drive you, use public transportation, get a bike, etc. But this is probably America and that is 100% not possible everywhere. Or even most places.
There is another option: State-Owned High-Risk Auto Insurance. These are insurance plans owned by individual states. Because US states all require auto insurance to drive a car and because driving a car is goddamn necessary in a lot of America, this exists.
It’s VERY expensive. Like when I was looking at getting good coverage for 2 newish cars I was staring down $500/6mo. Our state’s high-risk was $2,000+. But it exists for people like in the post who are just too expensive for ordinary insurance companies to want to insure.
Where on earth are you getting insurance for 2 cars for $500/6 months? I’m middle aged, drive a 10 year old car, and have a perfect driving record, and mine’s about $100/month. I’ve priced the same level of coverage with other companies and that’s pretty much what all of them offered.
Eta: I’m literally asking. I have no loyalty to my current company, if I can get it cheaper, I’m out.
I live in the Netherlands and now pay €188 a year. It’s just a “wa” insurance meaning if I hit something they pay the damage of the other’s, but not mine damage.
I drive a car from 2009 and have 10 years of no damages. So if your willing to move to the Netherlands wait 10 years you can lower your payment. (Not really a option I guess)
Is there any hope for me?
Yes, public transport.
Is this a European joke I’m too American to understand? /s
As an American living abroad I can honestly say I don’t miss being required to drive everywhere. Haven’t owned a car in six years and there’s like 2 times a year I need a car so I just rent one. Way cheaper that way.
I know these stories are always fake anyway but holy shit, buy a bike and chill out for a few years.
Wouldn’t they have revoked your license by this point?
Not necessarily. Actual accidents don’t always confer citations and many of those can be discharged for simply proving your insurance paid the other person. It’s not illegal to be a klutz, it’s just expensive.
The insurance agencies really need a way to recommend the government take someone’s license when they’re a public danger like this.
Well they do give them a strong incentive to stop driving.
They only give them a strong incentive to stop driving legally.
Taking someone’s licence also gives them a strong incentive to stop driving legally
