[njsteve]

I cannot see the reasoning for not having insurance on a car. The only logical reason for not insuring a car would be if someone is affluent enough to be self-insured but that only goes so far: it covers the car replacement in case of a loss.

As a paranoid, lunatic, attorney-type however, I tend to think about the unimagainable scenarios where someone would get dragged in and lose everything over an uninsured loss.

How unimaginable? Well, what if that tornado that hit R&S had pulled a "Wizard of Oz" and lifted one of those cars, dropped it a few hundred yards away and killed a group of spectators nearby? A guy could become a former millionaire really quick with something like that happening.

Or here's another. Your uninsured car gets struck by lightening and burns up. Not a big deal until the fire spreads to a neighboring housing development and wipes out a row of houses and people...

Or aliens land and return Elvis Presley from the great beyond. He falls in love with your car and with his new magical powers he takes your car out for a spin. While driving your uninsured car, he gets distracted as he reaches for his vintage Bonanza lunchbox to get a peanut butter and 'nana puddin' sandwich. He then sees Lady Gaga and can't figure out if "she" is a she or a he and he crashes the car into a busload of defense attorneys on their way to an American Bar Association free luncheon. The next of kin of all those defense attorneys (because there was no way you could have gotten them all) then hire all the remaining defense attorneys to sue the uninsured car owner.

Even if you won every one of the above lawsuits, you'd still be broke from the legal fees you incurred defending them.

(Sorry, I had too much caffeine this morning) [img]<<GRAEMLIN_URL>>/naughty.gif[/img]