In CO, at the least, it is your own insurance that pays your medical bills... With that in mind can you tell me one thing? How does car insurance save the lives of others? Considering that not having insurance doesn't change his liability towards their property, it sounds like he has put his own personal financial well being on the line.
I didn't say insurance saves lives. I said he's gambling with other peoples' lives and property. He also doesn't live in Colorado, but you knew that.
If he's involved in a crash without insurance and others are hurt or killed, he will have no way to make restitution to the injured parties, who may suffer catastrophic damages in excess of his assets/ability to pay.
If he's imprisoned, injured or killed, the burden will fall on his wife.
You call that responsible?
[h=3]PROPERTY DAMAGE LIABILITY (PD):[/h]Covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is mandatory in most states.
[h=3]UNINSURED MOTORIST BODILY INJURY (UM):[/h]Covers you, the insured members of your household and your passengers for bodily/personal injuries, damages, or death caused by an at-fault uninsured or hit-and-run driver. If you are involved in an accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy
[h=3]UNDERINSURED MOTORIST BODILY INJURY (UNDUM):[/h]Covers you, the insured members of your household and your passengers for injuries, damages or death caused by the negligence of a person with insufficient insurance. If you have an accident with a person whose coverage cannot meet your damages, your policy will meet the difference-up to the limit of liability listed on your policy.
[h=3]UNINSURED MOTORIST PROPERTY DAMAGE (UMPD):[/h]Covers your auto when property damage is sustained by an insured and the negligent operator does not possess insurance. If you don’t have collision coverage, uninsured motorist property damage coverage pays up to a certain amount for repairs to the insured car (some states have limits at $3,500; some are lower and some are higher). If you have collision coverage, uninsured motorist property damage coverage only pays your collision deductible (in some states).
Uninsured motorist property damage alone is not enough to cover all potential car repair/replacement costs, and only applies if you are involved in an accident caused by a driver without insurance coverage.
[h=3]UNDERINSURED MOTORIST PROPERTY DAMAGE (UNDPD):[/h]Covers when property damage is sustained by an insured and the negligent operator possesses insurance, but the limits of liability carried by the negligent driver are not sufficient to cover the damages.
If you don’t have collision coverage, underinsured motorist property damage coverage pays up to a certain amount for repairs to the insured car (some states have limits at $3500, some are lower and some are higher). If you have collision coverage, underinsured motorist property damage coverage only pays your collision deductible (in some states). Underinsured motorist property damage alone is not enough to cover all potential car repair/replacement costs, and only applies if you are involved in an accident caused by a driver without enough liability insurance coverage.
[h=3]PERSONAL INJURY PROTECTION COVERAGE (PIP or MEDEX):[/h]Covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. It is only available in certain states. Depending on the state, the covered parties and the amount of protection may vary.
http://www.carinsurance.com/CoverageDefinitions.aspx
