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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 theBuddha, 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 theBuddha, 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

Check points are illegal here. I'm not getting a oui. I'm too drunk to drive

[–] • 0 pt

Nice. Check points should be illegal everywhere. Alas, they're not...

But, all it takes is a cop with a hair across his ass and you're going to jail. Hell, I'm not even too worried about the jail aspect. That's nothing. Can you imagine how much I'd end up paying in insurance?!?

I carry a variety of insurances, but my license is liability and comprehensive insurance for $5,000,000.... I pay about $12k a year for this insurance. I have a perfect driving record, with no moving violations since the 70s - and no speeding tickets ever. I also have no 'at-fault' accidents on my record - ever.

So, I pay $12k - which, I am not sure if you are familiar with this, is an absolute steal. That covers everything I drive. That covers every circumstance - including if the other persons aren't insured, or even if I am entirely at fault. That covers vehicles that cost half the policy total - or more.

That may seem like a lot, but it's not. Not for the insurance I carry. (All I have to do is be involved in a fender bender and I'm a huge lawsuit target.)

With an OUI, I'm not sure I could even carry that insurance. I'd be dropped, or it'd be MULTIPLES of what it currently costs.

[–] • 0 pt

Someone was just asking me how much the insurance on your collection would be. Thats way less that they were thinking. They were guessing at least 2 grand a month

[–] • 0 pt

Oh, that's just my license. My collection is also insured for things like fire, theft, damage, and that's a whole lot more. THAT is a lot of money. I'm not quite sure, but it's low six figures per year. It's in addition to my other property insurance, so I'm not quite sure how much is just for the cars. It's a similar amount, but not as much, for my guitar collection.