Reply #100: You've Obviously Never Taken The Metro - It's Going Nowhere Fast

[REP]

Yes, it goes downtown. It doesn't always pick up where people actually live, and once you get on the damn thing, it doesn't always take you to where you need to go without taking another two or three buses. Once you get downtown, it may not run your route home (some lines stop running after 6 or 10 pm or midnight, weekends or holidays). The KCATA is cumbersome, unreliable and inconvenient. I know, because I relied on it for most of the time I lived there (ie, most of my life).

And for Kansans having insurance, excuse me while I laugh my ass off. You live in Johnson County, right? Drive over into Wyandotte County someday, sweetie - some drivers in the poorest county in KS are UNinsured. I'm surprised the guy who hit you didn't have WY plates - especially since he ran a red light, which is hobby with many WY-plated vehicles.

It's entirely possible you were hit by an asshat. It's also possible you were hit by someone who could not afford the insurance, especially if he lives in a red-lined zip-code (say, east of Troost, for one example).

And I do have to ask but how did your finance company allow you to carry insurance that did not cover the full replacement value of the car? Was this a used vehicle you were financing? I am unaware of financing on new vehicles that allows below-replacement coverage.