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....

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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

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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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.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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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

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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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!

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TECHNO IS THE BEST NOISE ON EARTH.
Save Techno - Stop Minimal / Tech-House

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!

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TECHNO IS THE BEST NOISE ON EARTH.
Save Techno - Stop Minimal / Tech-House

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

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quote:

Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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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.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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)

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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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TECHNO IS THE BEST NOISE ON EARTH.
Save Techno - Stop Minimal / Tech-House

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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

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quote:

Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

quote:

Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down