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Once again, it's time for the FNGT!

If you don't know how this works, . That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down.

NOTE: That site is by invitation only. If you want an invite, and you're a regular participant, then just ask COF, Crazy, or myself.

If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only.

Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then .

**Once again, it's time for the FNGT!** If you don't know how this works, [click this link](https://fngt.gq/index.php?page=intro). That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down. **NOTE:** That site is by invitation only. If you want an invite, and you're a regular participant, then just ask COF, Crazy, or myself. If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only. Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then [you can donate](https://poal.co/donate).

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[–] • 0 pt

it is the law. But there is a loophole. Not having insurance is a $500 fine, not providing proof of insurance on demand is a $10 fine. So if asked, I simply can not find the paperwork.

[–] • 0 pt

Here, you need to show proof of insurance to even register your car. A number of my cars are registered, but I can just show them a card in my wallet as proof of insurance.

I could also put like 15k in a bond and 'self-insure'. I just insure my license. Anything I drive is covered by insurance. It's good insurance, too.

I could drive your car right straight into a tree and it doesn't cover the book value of the car, it covers the replacement cost of the car - which is often higher than the blue book value of the car.

[–] • 0 pt

Well, come take it for a ride!

[–] • 0 pt

LOL They'd probably pay enough for you to get a more modern Jag if you bitch enough. They'd probably pay enough for you to get something 10 to 15 years old, 'cause you can't really easily replace your car with the same exact model. You would have to bitch about 'sentimental value' - by saying things like how you planned to keep it forever unless it became valuable and then you'd sell it to help fund your retirement - shit like that.

So, you'd end up with a more modern Jag's worth of money. (You'd have to buy it yourself. They don't do the shopping for you.)