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wait, 26% of florida doesn't have car insurance? How are their cars not impounded? even if I'm not driving, if the car isnt insured, there is a chance it'll ge

wait, 26% of florida doesn't have car insurance? How are their cars not impounded? even if I'm not driving, if the car isnt insured, there is a chance it'll get impounded. moreover, if I'm caught, its a hefty fine plus points on my license.

Exoristos 3y ago
They're poor, in a state with abysmal public transport. It's not like they're driving uninsured for kicks. So do you think the state of Florida wants to lose >26% of their workforce? Often the lowest-paid workers are the most essential, taken as a whole anyway.
- KaiserPro 3y ago
  no no, I totally get that. Its not a comment on poor floridians, it more a comment on the state of the State. Its a sign of a dysfunctional state that fails to enforce a basic safety feature.
lesuorac 3y ago
There's a chance it'll get impounded if you get pulled over or something and a cop checks your (lack of) insurance. I imagine that's a rare scenario for Floridians; otherwise the rate would approach 0%. Everybody (ex. [1]) seems to point to IRC [2] but they seem to say around 20% and I think the actual study is paywalled. Whats really interesting is it sounds like in Florida you insure yourself and if you receive an injury then you file a claim against your own insurance who then pays you. As opposed to receiving a payment from the person who hit you. > [1] Instead of mandating BI insurance, Florida requires drivers to purchase personal injury protection (PIP) insurance and property damage insurance. An injured driver is often limited to making a claim against his or her own PIP coverage. The coverage pays 80% of medical bills and 60% of lost wages, up to $10,000. [1]: https://www.rite4justice.com/what-you-need-to-know-about-uninsured-drivers-in-florida https://www.rite4justice.com/what-you-need-to-know-about-uni... [2]: https://insurance-research.org/ https://insurance-research.org/

Exoristos 3y ago

They're poor, in a state with abysmal public transport. It's not like they're driving uninsured for kicks. So do you think the state of Florida wants to lose >26% of their workforce? Often the lowest-paid workers are the most essential, taken as a whole anyway.

KaiserPro 3y ago
no no, I totally get that. Its not a comment on poor floridians, it more a comment on the state of the State. Its a sign of a dysfunctional state that fails to enforce a basic safety feature.

lesuorac 3y ago

There's a chance it'll get impounded if you get pulled over or something and a cop checks your (lack of) insurance. I imagine that's a rare scenario for Floridians; otherwise the rate would approach 0%. Everybody (ex. [1]) seems to point to IRC [2] but they seem to say around 20% and I think the actual study is paywalled. Whats really interesting is it sounds like in Florida you insure yourself and if you receive an injury then you file a claim against your own insurance who then pays you. As opposed to receiving a payment from the person who hit you. > [1] Instead of mandating BI insurance, Florida requires drivers to purchase personal injury protection (PIP) insurance and property damage insurance. An injured driver is often limited to making a claim against his or her own PIP coverage. The coverage pays 80% of medical bills and 60% of lost wages, up to $10,000. [1]: https://www.rite4justice.com/what-you-need-to-know-about-uninsured-drivers-in-florida https://www.rite4justice.com/what-you-need-to-know-about-uni... [2]: https://insurance-research.org/ https://insurance-research.org/