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Once again, it's time for the FNGT!

If you don't know how this works, click this link (fngt.gq). 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.

**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

Is it mandatory there?

[–] • 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!