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- Canada - Toronto & Southern Ont.
-- Need a little help
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D!abolic, good to see one of your posts again.

For someone who such a huge advocate for the "Rich dad poor dad" philosohpy, it surprises me that you will be spending 1k a month to be insured on top of the vehicle cost.

Although, i do believe in celebrating successes once in a while.

Just a thought....

quote:

Originally posted by d!abolic Moral, thanks for the info. I sent you a PM with some questions.

You will have to let us know how cheap you actually get insurance for

quote:

Originally posted by Tiesto4Life Just go to this done-in russian place at Dufferin and Steeles. They will issue you insurance papers for $50. I got one! Everytime the cop pulls me over I just show him that piece of paper and I'm fine, even though I'm not insured!! It works believe me. Cops in Canada are dumb donut inspectors. I got pulled over like four times with that piece of fake paper and it works all the time.

I so hope that you are either kidding or independently wealthy. A couple of things you should think about BEFORE driving without insurance....

a) driving without insurance is punishable by a maximum $5,000 fine (if the cops ever decide to check)

b) as you have no insurance you certainly do not have up to date license plate tags/stickers..... maximum fine $5,000

c) passing fraudulent documents, punishable by incarceration not exceeding ten years

d) under the no fault insurance system in Ontario if you cause an accident the driver of the other vehicle's insurance company pays their damages.... HOWEVER, since you are not insured they have a subrogated right (meaning they can sue you) to recover those damages.... average physical damage claim in Ontario is appoximately $7,000

e) Should you cause a motor vehicle collision which results in injury to another person, without liability coverage you will be liable to pay all damages awarded to that person. Recently I paid a claim for a young woman who suffered a broken pelvis and will never work again.... I paid $680,000 plus interest and legal costs.... this was a GOOD settlement as her claim was easily worth 1,000,000. Average out of court settlement of a bodily injury claim in Ontario is $30,000 plus interest and legal costs. BTW, if you are unable to pay the Ontario government (through an agency called MVAC) will garnish your wages up to 50% per year until your debt is paid.

f) Should YOU be injured in an automobile accident while uninsured YOU will only have access to minimum medical coverage. You will have NO coverage for lost wages regardless of whether or not you were at fault for the accident. Moreover, if you are operating a vehicle without insurance YOU HAVE NO RIGHT TO SUE. This means that if you are driving withouth insurance and I hit you causing you to become a paraplegic you have NO RECOURSE AGAINST ME (enjoy becoming a ward of the state!).

Driving without at least the minimum liability coverage is by far the worst gamble you can make in this country. Minimum limits will likely run you $200-$500 a year.... Why anyone would risk everything they own including the rest of their life over $200 a year is beyond me. But hey, you're the smart guy getting one over on the system.... you tell me.

quote:

Originally posted by fayraree This I gotta see... *grabs popcorn leftover from the Indian raping his daughter-in-law thread* <--what a dirty hijacking

I'm getting good at that... you should see me at work in the CORe

quote:

Originally posted by fayraree This I gotta see... *grabs popcorn leftover from the Indian raping his daughter-in-law thread* <--what a dirty hijacking

That was brilliant Fay! Uber props my brown brotha!

quote:

Originally posted by Moral Hazard I so hope that you are either kidding or independently wealthy. A couple of things you should think about BEFORE driving without insurance.... a) driving without insurance is punishable by a maximum $5,000 fine (if the cops ever decide to check) b) as you have no insurance you certainly do not have up to date license plate tags/stickers..... maximum fine $5,000 c) passing fraudulent documents, punishable by incarceration not exceeding ten years d) under the no fault insurance system in Ontario if you cause an accident the driver of the other vehicle's insurance company pays their damages.... HOWEVER, since you are not insured they have a subrogated right (meaning they can sue you) to recover those damages.... average physical damage claim in Ontario is appoximately $7,000 e) Should you cause a motor vehicle collision which results in injury to another person, without liability coverage you will be liable to pay all damages awarded to that person. Recently I paid a claim for a young woman who suffered a broken pelvis and will never work again.... I paid $680,000 plus interest and legal costs.... this was a GOOD settlement as her claim was easily worth 1,000,000. Average out of court settlement of a bodily injury claim in Ontario is $30,000 plus interest and legal costs. BTW, if you are unable to pay the Ontario government (through an agency called MVAC) will garnish your wages up to 50% per year until your debt is paid. f) Should YOU be injured in an automobile accident while uninsured YOU will only have access to minimum medical coverage. You will have NO coverage for lost wages regardless of whether or not you were at fault for the accident. Moreover, if you are operating a vehicle without insurance YOU HAVE NO RIGHT TO SUE. This means that if you are driving withouth insurance and I hit you causing you to become a paraplegic you have NO RECOURSE AGAINST ME (enjoy becoming a ward of the state!). Driving without at least the minimum liability coverage is by far the worst gamble you can make in this country. Minimum limits will likely run you $200-$500 a year.... Why anyone would risk everything they own including the rest of their life over $200 a year is beyond me. But hey, you're the smart guy getting one over on the system.... you tell me.

That was the best 5 min read of my life! Fuck'n eh!

Moral...you do have a way about you....I don't even try to debate you anymore....even if you are wrong...you make everyone think you are right

quote:

Originally posted by Jem_hadar That was the best 5 min read of my life! Fuck'n eh!

Serious or are you attempting sarcasm?... it's hard to tell in print.

somebody I know got caught without insurance recently

long story short, he spent a few weeks in jail, got fined (don't know how much, most likely $5,000) and almost got deported back where he came from (he's a "visitor" here and doesn't have his Canadian citizenship)

quote:

Originally posted by Moral Hazard Serious or are you attempting sarcasm?... it's hard to tell in print.

I was being serious, Moral. I honestly loved the way you laid that shit down for him.

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Originally posted by Jem_hadar I was being serious, Moral. I honestly loved the way you laid that shit down for him.

thanks

@ Moral - Damn. pwned and PWNED. LOL! Really looking forward to catching a few brewskies with ya in the 'Loo this w/e.

@ Jem - Verd.

quote:

Originally posted by fayraree @ Moral - Damn. pwned and PWNED. LOL! Really looking forward to catching a few brewskies in the 'Loo this w/e. @ Jem - Verd.

@ Fay - pizza

^^^ yah im not really sure whut i meant either.

gah

quote:

Originally posted by Jem_hadar ^^^ yah im not really sure whut i meant either. gah

LOL

How the fuck did you tell that I was confused?!?!?! Did someone ELSE PM you or something? That's too funny that you read me like that (if you did!!!! LOL!!!!)

I was thinking, what the hell is he talking about, but rather than needlessly postwhore, I thought I'd stay shut up...

Dude, you are awesome.

*the force is strong in this one*

quote:

Originally posted by fayraree LOL I was thinking, what the hell is he talking about, but rather than needlessly postwhore, I thought I'd stay shut up...

You postwhore.... never.

BTW, if I make it to the BBQ this weekend it will probably be toward the end, however, I'll bring some Absinth as a warm up for the evening's festivities... We can tost the high life with some green fairy...

quote:

Originally posted by Moral Hazard You postwhore.... never. BTW, if I make it to the BBQ this weekend it will probably be toward the end, however, I'll bring some Absinth as a warm up for the evening's festivities... We can tost the high life with some green fairy...

I drank a 200ml bottle of that stuff the other weekend and it knocked me on my ass. That is the best alcohol. The tracers make it even more fun.

quote:

Originally posted by ChemEnhanced I drank a 200ml bottle of that stuff the other weekend and it knocked me on my ass. That is the best alcohol. The tracers make it even more fun.

75% alcohol and hallucinigenic..... HOW CAN YOU GO WRONG?

Shit, I just noticed.... another thread hijacked.... THANKS FAYRAREE

quote:

Originally posted by fayraree LOL How the fuck did you tell that I was confused?!?!?! Did someone ELSE PM you or something? That's too funny that you read me like that (if you did!!!! LOL!!!!) I was thinking, what the hell is he talking about, but rather than needlessly postwhore, I thought I'd stay shut up... Dude, you are awesome. *the force is strong in this one*

Trance and breasts keep my force strong, plus its summertime, when im at my peak. heat and humidity also fuel the power of my force.

im still training myself to be able to see thru clothing...i mean walls.

flying would be uber cool too.... but for now ill just have to settle to knowing whut you're thinking

oh gad , i hope the CZ dont affect my force permentally!

quote:

Originally posted by Jem_hadar oh gad , i hope the CZ dont affect my force permentally!

The zone is like a paracite... once it is in your blood it is a part of you, forever.

Insurance in Toronto is fucked. There are soooo many cars out there I can afford and want to buy but can't face the idea that my insurance will outvalue the car in two years. I was quoted 13k a year for insurance on a 1985 Porsche 944 S2. The car averages 20-28k. I've found a stunning Metallic Black 1988 BMW M6 Euro for 33k, I think that is going to be where all of my current money is going. Screw the insurance it's my ultimate dream car (outside the realm of 100+K cars).

quote:

Originally posted by Moral Hazard The zone is like a paracite... once it is in your blood it is a part of you, forever.

will i form a symbiotic relationship with it, similar to the goa'ould and humans?

i hope it doesnt own me tho like the Goa'ould do their human hosts! :S (well, unless its a Tok'ra)

quote:

Originally posted by PartyHarlequin Insurance in Toronto is fucked. There are soooo many cars out there I can afford and want to buy but can't face the idea that my insurance will outvalue the car in two years. I was quoted 13k a year for insurance on a 1985 Porsche 944 S2. The car averages 20-28k. I've found a stunning Metallic Black 1988 BMW M6 Euro for 33k, I think that is going to be where all of my current money is going. Screw the insurance it's my ultimate dream car (outside the realm of 100+K cars).

The price of being young.

quote:

Originally posted by PartyHarlequin Insurance in Toronto is fucked. There are soooo many cars out there I can afford and want to buy but can't face the idea that my insurance will outvalue the car in two years. I was quoted 13k a year for insurance on a 1985 Porsche 944 S2. The car averages 20-28k. I've found a stunning Metallic Black 1988 BMW M6 Euro for 33k, I think that is going to be where all of my current money is going. Screw the insurance it's my ultimate dream car (outside the realm of 100+K cars).

I posted some useful information for lowering your insurance costs earlier in this thread.... you may want to check that out.

BTW, if the Porsche costs 28K to buy 13K to have full coverage you may want to drop the collision portion of the policy... that will be the lionshare of the 13K... say the collision is 7K and the ACTUAL CASH VALUE (what insurance pays for a total loss) is approximately 14K (I just did an ACV search on one) then so long as you don't total it in the first two years you're coming out ahead of the game. Why pay 7K to insure something that's worth 14K.... it doesn't make sense.

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