On Saturday, September 27, 2003, at 11:52 AM, Adam Maloney wrote: > Only call the police if there are injuries > "" if damage > "what you can wipe off with your sleeve" > "" if damage > $100 > "" if damage > $500 > "" if damage > $1000 > Always call the police (damage or not, injuries or not, etc) This might be useful if you really want to know...I'm sure it's in there somewhere. http://www.revisor.leg.state.mn.us/stats/169/ > When you are in an accident, and your insurance company knows you were > in > an accident, your rates go up. I believe for most insurance co's you > will > pay a higher premium for 3 years after the latest accident. This is > regardless of fault or whether they paid any damages. If you have an > accident on your record, and they see it, your rates will go up. I would suggest looking for other insurance. That is not how my insurance company (progressive, in case you care) does it. They have a point system, and everything they find on your record goes on your billing statement, but some of them are worth 0 points, like the windshield I had replaced because it cracked on me. Anything they do give you points for will cause your rates to increase for 3 years, though. I love it. I have two speeding tickets costing me a 27% rate increase per 6 mo, when the speeding on my part is nothing but a "potential future liability" on their part. And I had a broken windshield that actually cost the insurance company a little bit, that did nothing to my rates. > Because I was driving the "uninsured Ford driver magnet", his insurance > company is not going to pay the damages. Now, I can take him to > concilliation court, where I will probably win (he won't show), but he > isn't REQUIRED to pay me. He will have a judgement against him for the > amount, and I can send him to a collections agency and shoot his > credit to > hell, but the kind of people who drive w/o insurance already have bad > credit so he won't care. I hate the fact that there are so many laws out there protecting mean and stupid people from themselves and others. -- Justin Kremer <kremer at ringworld.org> _______________________________________________ TCLUG Mailing List - Minneapolis/St. Paul, Minnesota http://www.mn-linux.org tclug-list at mn-linux.org https://mailman.real-time.com/mailman/listinfo/tclug-list