As much as I don't like to lean on government for stuff I should know myself (such as the coverages and exclusions of my insurance policies), reality is that 50% of people are of below-median intelligence.gemini wrote:I'd probably have to have the responding LEO write her a "after the fact" ticket. (won't happen). As far as suing, I'm leaving that tosmoothoperator wrote:If the insurance company says the policy doesn't cover her, I would talk with the local DA (an elected official) and ask him to prosecute her for not having financial responsibility.
I would talk to my lawyer about suing the driver and requesting summary judgement because she was driving without insurance. I shouldn't need to mention that judges run for reelection too in Texas.
my Insurance Co. I'm sure they will. Judgement, garnish wages etc. It's been a royal pain from day 1. But, I almost feel kind of sorry
for the at-fault lady. Why? Because she and her husband both thought they had full coverage. I personally believe the agents selling
these policies are intentionally misleading the poor souls buying them. Either by unknowingly or intentionally hiding the "fine exclusion print".
If enough people reported this type of abuse, maybe a class action suit would be the way to go. But, until the current law is changed that allows
the "exclusion clause", I don't think a class action suit would hold water UNLESS it could be proved that the agents were intentionally, on a regular basis
misleading customers regarding coverage as a common practice.
The Texas Department of Insurance should be responsible for stopping this practice or, at minimum, requiring full disclosure. Remember the last time you took out a mortgage? How many "I have been informed of this regulation" forms did you have to sign.? Some basic consumer protection is warranted here. IMO, YMMV