Not Being insured | The People's Court

The plaintiff purchased auto insurance from the defendant. However, the defendant failed to pay the premiums, and the plaintiff's license was suspended. The plaintiff is suing. The defendant claims the plaintiff sent his insurance premiums directly to the company, but his check was returned.
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Case # 22-031
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[@jennifer_mertens]

The Plaintiff's getting insurance notices, the checks not cashed, and he does nothing? The State takes away his ability to drive and and he ignores it? I 100 percent believe she told him to "bring a friend" to sign his car over to and reinstate his coverage. The Defendant says the company is going out of business and she still writes him out a temporary card. He's not bright enough to deal with a dishonest insurance broker. And it seems she's definitely dishonest.

[@BobBlumenfeld]

A guy who hands his checkbook to a person across a desk to write out a check doesn't impress me as the type of person who ever looks at his bank statements or balances his checkbook.

[@johnnyfreak6806]

Yeah, this guy is just dumb

[@aeiou1560]

Perhaps he can’t read and didn’t want to admit that in court. I know some adults that can’t read due to either learning disabilities or economic reasons.

[@magicworld3242]

Although, He speaks English. He probably doesn't know how to read or write in English. He has a heavy Spanish accent and he trusted her. The defendant is just a liar.

[@Lauren80s]

You wouldn’t believe how many people do that, of the older generation.. I’m not sure why.. it’s almost like they think it transfers liability to the person filling out the check.. maybe some people don’t know how to do it. I’ve worked in insurance for years and people do that a lot or at least attempt to.

[@shirleywiese5230]

@@Lauren80sit was very common back in the day. Especially men.

[@porkchopjp]

insurance will go higher if you lapse in coverage.. judge should have known this

[@Dove.Love.]

I agree but he had no proof. He should have asked for a letter from insurance indicating that's the only reason.

[@jeanicelewis510]

YOU ARE 100% CORRECT!! When you get a new policy, they don't give you a letter saying why your rates are higher!!! There are several factors and LAPSE IN COVERAGE IS A COMMON AND MAIN 1!!!!

[@ninosimone]

She took advantage of him , Shame on her .

[@porkchopjp]

deal with insurance companies direct... no need to go to someone to get you insurance.

[@Tuturu708]

Sometimes you get cheaper rates through a broker. Especially if you’ve been in an accident or are otherwise hard to insure.

[@eph2vv89only1way]

Brokers can save you money. They deal with multiple companies and will find you the lowest rate for your needs. Knowing this, many companies will give them lower rates hoping to get more customers

[@madmemadhouseme4885]

After a couple screw ups by my broker, I spent hours and weeks researching on the internet and long phone calls. Every avenue led to dealing with an independent agent. I had three vehicles and two houses all fully paid off. I had zero success in any direct dealings with a company. I am with the plaintiff on this case. P.S. My current agent is doing an awesome job.

[@michelehemlokhexwhite4310]

​@@madmemadhouseme4885 thank goodness we have good insurance comparison websites in Australia, and the companies here are fairly easy to deal with directly (you know, for the spider-bite coverage, flying foxes roosting under the kitchen sink policy, and drop-bear car dent protection). 🐨 🚗 🕷

[@HHH-ye1ro]

Very well done by the judge. The defendant definitely screwed this guy.

[@magicworld3242]

The defendant is just a liar. She was taking advantage of the plaintiff.

[@AlbertoThecheater]

Always these elder accent women

[@michelehemlokhexwhite4310]

​@@AlbertoThecheateranyone can be a scammer, not just 'these older accent women.'

[@Urbanthick]

Paying someone for services does not mean you don't have to THINK for yourself!!!

[@ZovaBe]

It kind of does though 😂 at least that's the whole point but I agree that not everyone can be trusted so unfortunately you still do

[@AlbertoThecheater]

But doesnt EXCUSE A THEIF

[@Micknkeithable]

She IS shady as hell. Her job as a broker was to make sure stupid people are covered

[@moonstar7775]

This lady should be in prison. She should have helped the man since he trusted her. I hope he learned a lesson from being scammed.

[@michelehemlokhexwhite4310]

100pc. My thoughts exactly 💯

[@malniehamex5273]

Car insurance brokers are a waste of time. Just get your own insurance, no middle man.

[@oldageisdumb]

Same with homeowners. Just call around yourself

[@Nevaeh1]

Sometimes you can apply right online

[@jblonar]

I've never had trouble with my broker

[@eph2vv89only1way]

Brokers often save you money. They work with multiple companies to find the best rate for your needs. Because of this many companies will give them lower rates so they will get more customers.

[@fatimacardosa646]

Should have been paying attention to to his bank statement

[@traceyaz125]

He’s not the brightest bulb in the pack

[@Ralphbo-u6l]

So what. He pays his bills , insure his car and takes care of his family. My wife a special Ed. Teacher for many years and has many children that was not the “brightest bulb in the bunch” that go on to be very responsible citizens that have jobs and families. I doubt many of them have the ability to balance their check book but they manage until someone takes advantage of them.

[@NICAUNITY]

Whoever leaves their house with that hair stile has not much up there. No pun intended 😂😂

[@margaritadominguez7554]

With all respect to the messages above. The person you're talking about happened to be my late Father-in-law. He was very ill at that point in time and frankly we shouldn't be judging people without knowing about them. I wished I knew what was going on and would have helped him. GOD BLESS 🙌

[@johnnyb6151]

​@@margaritadominguez7554I am sorry about your loss. He seemed to be a good man..These people can be trolls in this forum. Shame on them.

[@marthaarciniega8244]

None of them are 😂

[@jeanicelewis510]

JUDGE, if you haven't had insurance for over 3 months, your RATES WILL BE AT HIGHER RATE!!!!!! Some of these judges think they know EVWRYTHING AND BE 100% WRONG!

[@no7114]

The judge said, "You and I know the reason" and she didn't express it. I knew too. That's sad she had to subliminally call that out. Stop playing or entertaining ppl and companies that care less about you.

[@hadley407]

Somehow this wasn’t his fault AT ALL?? When you have an extra $900 in your bank for months you know you didn’t pay your insurance. They should have split the cost. There comes a point in your life where you have to grow up and take responsibility.

[@crystalshaw8744]

The young woman behind the Defendant looks like Morticia from the Addams Family.

[@WayneGray-m6e]

Trust me! I made a comment about someone in the audience, and I guarantee you, someone is going to comment that you're misogynistic

[@ThreeSoxMafia]

This is misogynistic

[@madmemadhouseme4885]

@@ThreeSoxMafia buwahaha

[@VladmirPoopN]

​@@WayneGray-m6ewhat a weird comment for you to leave..

[@mexicanspec]

I don't understand why it is difficult. Just go to an insurance company and buy the insurance.

[@sandrahood9529]

Maybe she thought she could take advantage of him because she kew him for so long. He was smart to put a stop payment on the check. She wasn't counting on him doing that😒. Somehow she got some money. She knew what was going on. Scammmer...

[@johnnyfreak6806]

This man is slow..., how has he made it this long???,

[@markbrandon7359]

He has a white women

[@bhornannawindeedeigh5007]

​@markbrandon7359 How very bigoted of you.

[@markbrandon7359]

@@bhornannawindeedeigh5007 He's as slow as sleepy Joe obviously she wears the pants

[@almathomas8325]

A broker can't give you an extension on your insurance. The broker is the middle man not the actual insurance company.

[@madmaxofspokane1691]

Time to grow up and smell the reality of going cheap on your insurance mr Plaintiff... The Defendant did get stupid with issuing him an illegitimate insurance card though.

[@HorrorShow694]

This actually happened to me with my child's health insurance. We had a health insurance broker and he canceled my kids insurance because he said that we qualified for state coverage. He never mentioned that he just dropped my son off of my policy. We found out when we took him for his wellness check. I ended up having a fork over $500 for the visit, and fighting with the state to get approved for state coverage even though I make six figures a year and I have every means to pay for my kid on private insurance. The broker never told us that he dropped our son from our policy. He did it on his own accord

[@miick3yj]

I had a similar situation. Went through a company to file paperwork and they only filed half of what they were paid to do. Some people will honestly just take advantage of you because they assume you don’t know better.

[@AC081361]

Sometimes I think the judge is a serious b. He hired a broker it is 100% her fault. Period!

[@michelehemlokhexwhite4310]

It was her fault, but he didn't mitigate his damages by following up on the issues or asking more pertinent questions.

[@wrightwilliams105]

I can't say she is shady, but she did not do her job to find out what was going on and what he needed to do.

[@6Summerville]

Another one JM missed on this. Everyone knows a lapse in insurance WILL cause your insurance to go up!

[@knighttyme1976]

Actually his break in insurance from the lapse would cause a significant rate increase. That would’ve been easy for him to prove if he was more proactive.

[@robertgreene4046]

the plaintiff did to much relying on someone else, and the ins broker seems like she does not know her job very well, sad case. J M said put your big boy pants on, ha ha .

[@scottcatherine9162]

She scamming people

[@msfranklin2650]

WELL I PERSONALLY KEEP UP W/ MY ACCT JUST BECAUSE BUT ESPECIALLY CKS. THE DEFENDANT JUST DIDN'T CARE NEITHER MADE THE CORRECT DECISION TO GO INTO THE BMV. THE DEFENDANT SHOULD'VE BEEN HELD LIABLE SINCE HE COULDN'T DRIVE LIFE STILL WENT ON IF NOT THE ENTIRE $400 @ LEAST $200. THAT'S CRAZY HE SHOULD'VE HANDLED HIS BUSINESS. I HANDLE {1} ON {1} I DON'T LIKE DEALING W/ A MIDDLE PARTY.

[@sammyphala372]

She gave him a chrome extension to renew the contract

[@jeannedobbins7880]

The man has a disability. He stays with that broker because they help him. He never clearly understood what was happening.

[@arianefr78]

If he is handing his check book over to her for her to write the check, I don't think he is looking into his accounts to make sure a payment has gone through. He paid her for her services and she let him down totally, I think she should have been responsible for all his expenses...

[@MomIrregardless]

insurance cost is more when you havent had 'continuous coverage'....why dont you know this JM?

[@barbaraness4507]

I think that defendant is shady.

[@uniquelybeautifuljourney7261]

JM telling the plaintiff to take care of his own problems is so rude and disrespectful that’s why she works for the people on behalf of the people when there’s conflicts that’s what she’s there for . Many people go through insurance brokers to save time that’s why they are licensed by the state to protect consumers from fraud just like a tax agent a notary public a realtor so people aren’t supposed to use these services because we should be doing everything ourselves gtfoh these are services protected by the government of any wrongdoing and her job isn’t to be complaining that the plaintiff isn’t doing his insurance himself her job is to enforce the law and this defendant tried to do fraud and scammed this man out of money because even with one month of no insurance at the time you reinstate your insurance there is a e higher fee because of letting it lapse even if it’s with the same company how the fuck didnt the judge know this

[@ninosimone]

👏🏾👏🏾👏🏾👏🏾

[@rosej5029]

I resent the unearned trust/naivete this 55-65 year old male. He's still an innocent little boy mentally to trust the lady completely to look out for his best interests.

[@layahYasharahla]

I don’t think he’s from this country . Maybe it’s an understanding issue of customs here .

[@markbrandon7359]

I bought a new motorcycle and went with Geico 3 years later they raised my premium $177 I never made a claim I called them they said "well the cost of fixing it if you wreck has gone up" A lot of people will just pay it my 1st call was to Progressive and they insured me for $10 more a year I expect in 2 or 3 years they to will hit me with a massive increase

[@sarahbarton4977]

This one really confused me

[@prettybossy510]

I don't understand this man... the slightest changes and he turned into a toddler...and he expected his hand to be held just like one... not a thought in sight I mean I mean

[@tamekadavis6641]

❤

[@cyndedawson3129]

What's wrong with this picture shady 🤔🤔🥺😨

[@Bebedollie]

In this episode the judge at times is talking with her thick cuban accent.

[@garydumont9701]

I paid 868 every 6 months now they require me to pay $3,000 for 6 months and the guy that I go through is supposed to be a friend of mine

[@mzdavidson97]

Wow I thought I was the only one paying crazy insurance rates. I’m from FL and I pay 1300 a month for 6 months. I’m sure rates will keep going up. I have my 17 year old and 20 year old on my insurance.

[@kajsamolinlundahl9881]

I pay 4000skr/y (about $400/y)

[@WayneGray-m6e]

And

[@adlifting9824]

Live in New York too, and had to go through this situation kind of. New York is one of the only states that requires insurance in order to have a car registered and stay registered. In New Jersey, you don’t have to have insurance on a car. You just have full responsibility at that point.

[@Lexisrae122]

I think that's how new Hampshire is.

[@Lexisrae122]

Like new jersey

[@loribryant884]

Never heard of that 🤔 😮

[@loribryant884]

Oops I miss read your comment. The same in Oregon and Utah

[@adwallace021938]

Must have insurance here in Nevada too.

[@duhasswipebashem6201]

I miss my Ms Milian 😢

[@hadley407]

Haha. You obviously don’t know where too well because she hates being called Ms.

[@duhasswipebashem6201]

@@hadley407 👀 notice I typed MY not her Milian. 😉

[@adrianknight1406]

Milian is just insufferable! Obviously, the defendant led the plaintiff down the wrong path in this circumstance. Although he should've kept up with his own insurance, the defendant did him wrong.

[@crazytrashman123]

😂 even on a win does Adrian believe they lost

[@Quartzquiz333]

​@@crazytrashman123You're catching on!

[@traceyaz125]

And she acknowledged that and awarded him 💰. What’s the problem?

[@loribryant884]

​@@traceyaz125He's constantly claiming racism

[@ABALLAM3]

Oh we got a routine hater here just for the sake of it. I haven't seen something like this in years on KZbin channel. Ha Ha Ha. I love this. I find these frequent comments entertaining in its own right.

[@clays8374]

Again she cheats someone to help a Spanish person.

[@not_thedroids871]

Both sides speak spanish? What exactly are you trying to say???

[@markbrandon7359]

Look everybody it's Adrian in disguise

[@lolitajohnson4295]

If the money was for re election of Obama I would give whatever he asked or I had for his campaign