3 ms·

It won't protect you from the insurance agencies; they demand a DL ID# and a VIN. And you are required by law to purchase from them. And they're stautorily ex

It won't protect you from the insurance agencies; they demand a DL ID# and a VIN. And you are required by law to purchase from them. And they're stautorily exempted from a whole boatload of privacy laws, like HIPAA.

sagarm 13d ago
In California you can post a surety bond in lieu of insurance. I'm sure the same applies in other states with governance that is not captured by corporate interests.
- CableNinja 12d ago
  Can you elaborate on this some? Afaik insurance is the only thing they would accept. I think insurance is generally a nasty scam so anything to get away from it would be pretty neat
  - tredre3 12d ago
    You have to deposit $75,000 to the DMV and if you get in an accident where you're at fault you will also be on the hook for damages beyond that. You can also get a surety bond for that amount, instead of doing a cash deposit. It used to be 35k but it was increased in late 2024 (which is good because it hadn't increased since the 70s). https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/ https://www.dmv.ca.gov/portal/vehicle-registration/insurance... But to do that you really have to hate insurers or be uninsurable. Because realistically putting that 75k in a basic HISA will yield enough interests to pay for regular car insurance and you get to keep your 75k.
    - CableNinja 11d ago
      Thats quite a lot more than i expected, i just have never had a good experience with insurance, everything is a long drawn fight. Probably not worth it unless under specific circumstances
mannanj 12d ago
They don't ask for license plates. At least through a camera tech like Flock, it isn't super easy to pick up a vin. So thinking this through more, at least having an insurance agency have your vin isn't as bad as having a flock & flock affiliated agency have your license plate - because if flock & flock affiliated dont have your vin they may never have the vin to find you via insurance company.

sagarm 13d ago

In California you can post a surety bond in lieu of insurance. I'm sure the same applies in other states with governance that is not captured by corporate interests.

CableNinja 12d ago
Can you elaborate on this some? Afaik insurance is the only thing they would accept. I think insurance is generally a nasty scam so anything to get away from it would be pretty neat
- tredre3 12d ago
  You have to deposit $75,000 to the DMV and if you get in an accident where you're at fault you will also be on the hook for damages beyond that. You can also get a surety bond for that amount, instead of doing a cash deposit. It used to be 35k but it was increased in late 2024 (which is good because it hadn't increased since the 70s). https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/ https://www.dmv.ca.gov/portal/vehicle-registration/insurance... But to do that you really have to hate insurers or be uninsurable. Because realistically putting that 75k in a basic HISA will yield enough interests to pay for regular car insurance and you get to keep your 75k.
  - CableNinja 11d ago
    Thats quite a lot more than i expected, i just have never had a good experience with insurance, everything is a long drawn fight. Probably not worth it unless under specific circumstances

mannanj 12d ago

They don't ask for license plates. At least through a camera tech like Flock, it isn't super easy to pick up a vin. So thinking this through more, at least having an insurance agency have your vin isn't as bad as having a flock & flock affiliated agency have your license plate - because if flock & flock affiliated dont have your vin they may never have the vin to find you via insurance company.