Auto insurance issues from modifying a Yaris?

[nookandcrannycar]

Originally Posted by why?

That freaks me out. Ma has mandatory minimums, but I couldn't imagine not carrying insurance. Of course I also have rear ended a 1960's Mercedes Benz convertible in a down pour once, so that type of accident is always on my mind. Thankfully there was no damage to the really expensive car.

We were driving down Campus Drive (a curved road) heading toward John Wayne Airport (a few blocks away) in Orange County, CA. The street (at the time, but unsure if it still is) was 2 lanes in each direction plus a 'sitting' middle turn lane. The left/fast lane in my direction was like a parking lot (backed up for over a mile) and the slow lane we were in was moving along below the limit. The uninsured woman was in the 'sitting' middle lane waiting to turn across the lanes of my direction and into a driveway, but given the curve in the road and the 'parking lot wall of cars' in the left/fast lane for my direction she couldn't see my lane at all. A lady in the left/fast/'parking lot lane stopped to create a gap for the uninsured lady to pass through and then waived the uninsured lady through. The uninsured lady assumed the waiving lady wouldn't be waiving her through if the waiving lady weren't also looking in her rear view mirror to make sure no one was coming in my lane. Just as the uninsured lady couldn't see my lane, I couldn't see hers. The waiving lady wasn't looking at all to see if anyone was coming in my lane. I'm driving alongside this stopped lane along a long curve and all of a sudden this car comes flying out in front of me while I'm going 30-35 MPH. I think the waiving lady was a far bigger dingbat than the uninsured lady re the driving part, but of course, even if insured, the uninsured lady was legally responsible and the fact that she didn't have insurance just made it worse. She was on her own and really just scraping by financially--no kids but no expense sharing boyfriend or husband either. She was playing the odds of not getting caught when it came to keeping insurance. My girlfriend and I didn't end up getting married, but we had been going out for a long time and her family and those close to her adored me, so I didn't worry about my girlfriend suing me and her injuries fell well within my uninsured motorists protection....and neither of us had permanent injuries and the uninsured lady wasn't injured at all.