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Old 08-18-2014, 08:09 PM   #1
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Gotta park my baby for awhile :(

Well my ridiculous driving record finally caught up with me, and can no longer afford my insurance. It has surpassed my car payment by quite abit. So I opted to suspend the liabilty and park it in the basement covered up until i can afford to drive it again. Each time i renew my policy from this point on I will have a violation come off. Im thinking it will be about a year to a year and a half until i can drive it again. Might be a good time to do some upgrades
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Old 08-18-2014, 08:10 PM   #2
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Damn i have a few tickets but what did you do?
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Old 08-18-2014, 08:13 PM   #3
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Whoa! How many tix?
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Old 08-18-2014, 08:14 PM   #4
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the OP needs to sell the car and get a cheap used beater to drive. its silly to make pymts on a car you can neither drive nor afford. makes no sense.
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Old 08-18-2014, 08:18 PM   #5
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Quote:
Originally Posted by JayV83 View Post
Well my ridiculous driving record finally caught up with me, and can no longer afford my insurance. It has surpassed my car payment by quite abit. So I opted to suspend the liabilty and park it in the basement covered up until i can afford to drive it again. Each time i renew my policy from this point on I will have a violation come off. Im thinking it will be about a year to a year and a half until i can drive it again. Might be a good time to do some upgrades
Just don't put any mods on to increase HP. couldn't help myself.
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Old 08-18-2014, 08:21 PM   #6
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haha....no tickets with the camaro...all with my truck. My tired old 85 f150. I had an accident and a couple tickets
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Old 08-18-2014, 08:23 PM   #7
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i would rather keep it, rather then pay to get rid of it. wrong time of year to try and sell it. I went online to see what these things are going for...and noway would I give it away.
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Old 08-18-2014, 08:37 PM   #8
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i would rather keep it, rather then pay to get rid of it. wrong time of year to try and sell it. I went online to see what these things are going for...and noway would I give it away.
You had us on that one. Just set back and waited to see what kind of response you would get. [ Sneaky ]
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Old 08-18-2014, 10:28 PM   #9
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That sucks man, what are you gonna do for a permagrin now?
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Old Yesterday, 06:09 AM   #10
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That sucks man, what are you gonna do for a permagrin now?
He could go down to the basement, sit in it and make believe he's driving it.
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Old Yesterday, 06:12 AM   #11
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Old Yesterday, 06:25 AM   #12
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Tickets are on you... not what you're driving. Learn to drive responsibly. Lessons of life.
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Old Yesterday, 07:56 AM   #13
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That is why you FIGHT EVERY ticket op. I race my cars (not on the track), and drive what I feel is a safe zpeed on the highway (usually 5 - 10 over) depending on road weather, and traffic conditions. Yes this sounds less than responsible but my eyes are constantly way ahead AND in my mirrors to see what is behind snd next to me. In the city and on streets (off the highway) you best believe I obey every sign, and stay right at the speed limit.

I am not a perfect driver but I will say I am above average and prefer to drive to myself (on highway) vs driving in a group or a cluster of cars. I know my skills but not the next individuals.

Ok the few times I do get pulled over (usually very well deserved), I am polite, cooperative, and honest (without outright admitting guilt. Normally I dont even get a citation (previous dept of corrections alameda county), in the event I do I laywer up and push it as far off as possible. Guess what? 95% of the time they will not show up unless you were a total d**k. I have zero points and one pending speeding I got in my company semi from a total d-bag cop (yes I was going slightly over).

In the future op IF you get popped (hopefully never again) dont plea and pay the ticket, fight it and/or talk with the prosecutor and make a non moving violation deal.

I have a cdl with hazmat (oilfeild) acid driver and this is why I fight all mine. On the other hand I am not going to be a paranoid stiff neither and drive at/or under the speed limit or not take up a challenge every now and then. (My ss is far from stock)
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Old Yesterday, 08:44 AM   #14
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You might want to keep your fingers crossed that your lender does not become aware (and they will) that you have dropped insurance. They'lll just insure it and tack that on to the end of your bill.

I have driven over 30 years and owned every fast car ever made over the years... and not a single ticket. One accident that was not my fault (guy ran a stop sign). It's such a reward, better than speeding, to have such low insurance payments that one can add more fun n' fast cars to their stable.

And I agree: Sell the car and get a beater that you can put liability only on.
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Old Yesterday, 08:51 AM   #15
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the OP needs to sell the car and get a cheap used beater to drive. its silly to make pymts on a car you can neither drive nor afford. makes no sense.
What makes you think the Op won't get tickets with a beater?
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Old Yesterday, 08:54 AM   #16
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That is why you FIGHT EVERY ticket op. I race my cars (not on the track), and drive what I feel is a safe zpeed on the highway (usually 5 - 10 over) depending on road weather, and traffic conditions. Yes this sounds less than responsible but my eyes are constantly way ahead AND in my mirrors to see what is behind snd next to me. In the city and on streets (off the highway) you best believe I obey every sign, and stay right at the speed limit.

I am not a perfect driver but I will say I am above average and prefer to drive to myself (on highway) vs driving in a group or a cluster of cars. I know my skills but not the next individuals.

Ok the few times I do get pulled over (usually very well deserved), I am polite, cooperative, and honest (without outright admitting guilt. Normally I dont even get a citation (previous dept of corrections alameda county), in the event I do I laywer up and push it as far off as possible. Guess what? 95% of the time they will not show up unless you were a total d**k. I have zero points and one pending speeding I got in my company semi from a total d-bag cop (yes I was going slightly over).

In the future op IF you get popped (hopefully never again) dont plea and pay the ticket, fight it and/or talk with the prosecutor and make a non moving violation deal.

I have a cdl with hazmat (oilfeild) acid driver and this is why I fight all mine. On the other hand I am not going to be a paranoid stiff neither and drive at/or under the speed limit or not take up a challenge every now and then. (My ss is far from stock)
I thank God I live nowhere near you.
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Old Yesterday, 01:20 PM   #17
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You might want to keep your fingers crossed that your lender does not become aware (and they will) that you have dropped insurance. They'lll just insure it and tack that on to the end of your bill.
You definitely might want to review your loan contract on this as to what insurance is required. Force placed insurance by the bank isn't cheap.
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Old Yesterday, 01:46 PM   #18
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I thank God I live nowhere near you.
Lol, I moved from (Willow Glen) San Jose to Tx in 2005 so I actually did live near you. THANK. GOD almighty I left your state and all thier politics and bs laws. So no offense taken bro
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Old Yesterday, 02:23 PM   #19
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In my early 20s I had 13 tickets in 36 months and had my license revoked as a habitual traffic offender. Two things I did that greatly reduced the number of tickets I got were:

1. Let girlfriend/wife drive most of the time. (while my license was revoked the X drove all the time).
2. Keep a good radar detector in any vehicle I am driving.

I am always polite to cops and have only been let off with a warning a couple times. I was getting nailed with 10-15 over all the time. Saying I was going to drive the speed limit was like saying I was going to eat healthier.

Police likelihood to show up in court depends from county to county and going to court here and losing means you get to pay the fine and court costs. If you know a cop or traffic lawyer, ask them before running off to court, but I have beaten tickets that way.

The OP said he suspended liability because he was not driving, not the comprehensive which would cover the holder of his note.

If the OP wanted to do the math on it, he would have to figure out what he could sell it for now vs what he thinks he could buy one the same age and mileage for in 18 months. Then, figure out if that delta is greater than the value of his payments including insurance over the next 18 months plus the PITA factor of buying and selling a car.

Being able to drive within the limits of the law and really being able to drive are not necessarily correlated. The blue hair that ran me over had a perfect driving record until she ran that red light. I've never caused an accident with an injury, knock wood. The accidents that have been my fault, again back when I was in my early 20s were low speed and caused by me not paying attention. When I am on the interstate doing 90, I don't answer the phone and I damn sure don't text, but it's perfectly legal in this state cruise at 70 and SnapChat your azz off.

For the record, I now have safe driver on my license.
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Old Yesterday, 04:40 PM   #20
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Lol, I moved from (Willow Glen) San Jose to Tx in 2005 so I actually did live near you. THANK. GOD almighty I left your state and all thier politics and bs laws. So no offense taken bro
Glad no offense taken...just relieved that that since you have a commercial license and that attitude that you're as far away from me as possible....

...you're my long-lost brother apparently!
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Old Yesterday, 04:46 PM   #21
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Being able to drive within the limits of the law and really being able to drive are not necessarily correlated. The blue hair that ran me over had a perfect driving record until she ran that red light. I've never caused an accident with an injury, knock wood. The accidents that have been my fault, again back when I was in my early 20s were low speed and caused by me not paying attention. When I am on the interstate doing 90, I don't answer the phone and I damn sure don't text, but it's perfectly legal in this state cruise at 70 and SnapChat your azz off.

For the record, I now have safe driver on my license.
This only means you're lucky, not a good driver. by 'good driver' I mean someone who obeys the laws and treats other drivers on the road with respect and courtesy. People like you and MariojMoe scare me, with the cavalier attitude about getting behind a several hundred-horsepower, nearly 2 ton bullet. Sure, that lady with the spotless record hit you, but if you look at it with the glass-half-full perspective, she was your only accident on an otherwise spotless record, without having to buy radar detectors, etc.

For me personally, I just prefer to not have to 'knock on wood' - would rather just be a cautious driver.....

...just saying...

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Old Yesterday, 04:50 PM   #22
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He could go down to the basement, sit in it and make believe he's driving it.
Now that was funny! I'm truly laughing out loud!!
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Old Yesterday, 05:32 PM   #23
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This only means you're lucky, not a good driver. by 'good driver' I mean someone who obeys the laws and treats other drivers on the road with respect and courtesy. People like you and MariojMoe scare me, with the cavalier attitude about getting behind a several hundred-horsepower, nearly 2 ton bullet. Sure, that lady with the spotless record hit you, but if you look at it with the glass-half-full perspective, she was your only accident on an otherwise spotless record, without having to buy radar detectors, etc.

For me personally, I just prefer to not have to 'knock on wood' - would rather just be a cautious driver.....

...just saying...
I can't scare too many people. Cdl with hazmat and clean point free mvr since 2001 (16). Got my cdl in 2005 and no issues except the 5 over in my company semi.

So you are telling me because I obey ALL city/in town laws, and am cautious when NOT on the highway, respect ALL school zones, consrtuction zones, weather conditions, etc as well as speed limits when not on interstate that I am a dangerous driver? Lol. Yes on the interstate and highway I do drive 5-15 over (never or very seldom above 80). I pass my share of cars but most of the time I'm just a bit ahead of traffic (unless racing).

I had one NON FAULT accident to date (19 y/o texting) and she was cited. I cant be that bad i guess. Btw yes I too have a valentine one detector lol. I guess you never ever go over the speed limit either right? Why do you drive an ss? Just do me a favor and keep right since you do not exceed the speed limit.
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Old Yesterday, 06:11 PM   #24
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I can't scare too many people. Cdl with hazmat and clean point free mvr since 2001 (16). Got my cdl in 2005 and no issues except the 5 over in my company semi.

So you are telling me because I obey ALL city/in town laws, and am cautious when NOT on the highway, respect ALL school zones, consrtuction zones, weather conditions, etc as well as speed limits when not on interstate that I am a dangerous driver? Lol. Yes on the interstate and highway I do drive 5-15 over (never or very seldom above 80). I pass my share of cars but most of the time I'm just a bit ahead of traffic (unless racing).

I had one NON FAULT accident to date (19 y/o texting) and she was cited. I cant be that bad i guess. Btw yes I too have a valentine one detector lol. I guess you never ever go over the speed limit either right? Why do you drive an ss? Just do me a favor and keep right since you do not exceed the speed limit.
Nope, I don't exceed the speed limit, you're right. No, I'm not going to stay in the right lane if I need to pass someone (since that's the original purpose of the faster lanes) and why do I like an SS? What a silly question-I like it for the same reason everyone else here likes an SS.
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Old Yesterday, 08:07 PM   #25
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Well everyone exceeds the speed limit at some point. By the letter of the law if you are going 56 in a 55 you are exceeding the speed limit and can be ticketed. I highly doubt anyone NEVER exceeds the speed limit. It's like saying your not a thief because you only steal $5 a day from the till and not $50 like the real thief's do

Also in an SS I would find it hard to believe that anyone could NEVER do a fast 0-60 acceleration to feel the power of that V8 and chirp those P-Zeros a bit. That is an unsafe start technically. So another law broken. I know because I almost got a ticket just for that 34 years ago when I was young and dumb. Peeled out from the corner in my 66 Mustang and the local PD educated me on this law and said he was giving me a break but only once.

I'm glad the OP shared his story. Someone may read it and could prevent them from making the same mistake. I dread the thought of getting a ticket so stories like this help keep me ticket free like I have been for the last 30 years.
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