Car Wars: A New Hope

Dr.Jass

Pastor of Muppets
Well, I have decided it is time to move forward with an attempt to regain my driving priveleges. It's been over 15 years, and I've kept my nose clean for 7 straight. In the meantime I've quit drinking as well, so I think it's high time I helped out those poor, struggling MI insurance companies with some truly high-rate coverage.

To that end I have secured counsel, and got what I think is a pretty sweet deal: $1,500 retainer covers any and all work done until I get a two-year restricted license. Paperwork, multiple attempts, you name it. The only addition fees regarding the attorney are a drug test (typical pre-employment type, around $60), substance-abuse assessment (that's a whopping $300, which makes me question if the assessor perhaps is on crack :doh: ), and if for any reason the attorney should have to leave town, $250 for his expenses. He is located downstate, which means I'll have to travel there once or twice... not a big deal. I also still owe the state for my "Driver Responsibility Fees", an unconstitutional double-jeopardy scam that MI employs.

If you're wondering why I would hire an attorney that's roughly 300 miles away from me, well, it's pretty simple: lawyers are always a scam, but never so much as when they're in their hometown. I've been around it all my life, and the judge, prosecutor, and defense will all hang out and have drinks pretty regularly. Being buddies, the attorneys will milk it for every buck you have in fees, court costs, etc. Bring in an out-of-towner, and the magnetic field collapses: we don't know this dude, and he is the enemy. That's what I want should it come to the point of standing in a courtroom.

All told, I'll be staring about five grand in the face. That's a lot of money, but when you live in a small town with miserable cab service and no public transportation, believe me, it's a freakin' steal. Thankfully, I don't have to drop all of it at once... and hopefully I'll be back behind the wheel legally before too long.
 
Now you just gotta get something drivable. :dance:
I could drive the Imperial to Oregon tomorrow with nothing more than a new battery. It runs like a gem, goes down the road straight, and stops on a dime. However, I'm not kidding myself and I'm sure there's going to be a "breathalyzer interlock" on whatever it is I drive for 6-12 months. I don't think the installer will be able to do it on the Imperial, and I doubt they'll let me install it. :wtf: To that end, I'm buying the neighbor's Dakota, which is a stone stock '92 or '93 3.9L/5-speed 4WD. That should work for them, and make a useful driver for me.

DG... it takes a Michigander to truly appreciate that one, doesn't it? :D
 
As I said to a friend yesterday, I learn very well. Not all that quickly, mind you, but well. :D
 
As I said to a friend yesterday, I learn very well. Not all that quickly, mind you, but well. :D

I use that same basic line quite often....:D

Good luck Doc...hope you come through this better then you expect....:2thumbs:
 
bwhahahaha...*gasping for air*

Good luck Jass, I'm rooting for ya...
If that aint the truth I don't know what is! Fucking rates are criminal for those of us with clean driving records! I can only imagine what Jass is in for! Or perhaps I can't!
 
Just to give those of you not in Michigan an idea about our insurance rates.

I'm 42 with no tickets or accidents. Chrissie is 38 with no tickets or accidents. We have no kids driving. She has a 2000 Buick LaSabre with comprehensive coverage only. I was driving my 98 dodge 1500 4x4 with the same coverage. With those two cars our yearly bill was right around $3200.00 That does not include my charger (It's on its own policy). Our rates have changed now that I have a newer truck so I'm not sure of the current numbers off of the top of my head. I know it's more though.
 
OUCH...out here with murliple blemishes its about 100-150 a month.....the number is always influx cause we can change cars at a moments notice
 
As far as insurance is concerned, I'll be just fine. Since I have no insurance at the moment, I will automatically be in the high-risk "pool" as it's known when I first start. That only lasts for six months. After that, my insurance won't cost any more than anybody else with a clean record and no claims. I show no tickets on my active record. I have 200+ points on my permanent record, yes, but in the eyes of the state and insurance companies, I'm clean as a whistle. Insurance companies go back 3 years. At max, for alcohol-related offenses, they may be able to go back 5 years. The state goes back 3 for non-alcohol before they drop from your active record, alcohol-related will show up for 7 if an officer pulls you up in the car. That's it. I haven't even been a passenger in a car that got pulled over in more than 7 years. :dance:

Stretchy-poo said:
I'm 42 with no tickets or accidents. Chrissie is 38 with no tickets or accidents. We have no kids driving. She has a 2000 Buick LaSabre with comprehensive coverage only. I was driving my 98 dodge 1500 4x4 with the same coverage. With those two cars our yearly bill was right around $3200.00
You are getting royally f__cked on your insurance. Time to change agents and companies. I know more than one example with better coverage and/or worse records/circumstances that are paying less than you are by a significant amount.
 

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