Found Deceased IA - Mollie Tibbetts, 20, Poweshiek County, 19 Jul 2018 *Arrest* #44

[kpm]

Exactly. If you knowingly allow someone without a license to drive a car and they use it as a weapon, there is a chance you could be found liable.



As the owner of the vehicle it is their responsibility to ensure the drivers have a valid license.

Amen, it’s one thing for someone to let a friend use their car

It’s totally different for a company to just let anyone use a company car

 

[kpm]

If he had a DL it would have to be active, all insurance companies run driving record checks when adding new drivers.

Bingo!

 

[gforce]

I wonder how many other illegal alien t***s are there?
https://www.thegatewaypundit.com/20...lien-murderer-of-molly-tibbetts-was-employed/

 

[Confusion]

No. For liability to arise, you have to prove negligence. Now if you knew this was a killer and had a history of axing people then yes, you could be found liable.

The thing with auto insurance is the person who is in care custody and control. The vehicle owner and listed drivers would be the ones in care custody and control. With no DL, you can NOT be listed as a driver. No DL = no coverage. There is NO way around this.



Your broker is misinformed. Rates are not really based on this. Your comprehensive premium would be the only thing effected by this. Rates are primarily based on the severity of accidents, injuries and deaths involved in your specific make and model. For example, Ford Rangers have higher premiums because the injuries involved in accidents in those are usually very severe and have much higher claim pay outs for liability and accident benefits.

Also included are the stats for your area, age, and how far you commute/use of vehicle.

Are you an actuary? I know I've been told a lot of things that affect my premiums by my agents, but I really think the biggest one is how much they can get you to pay!

 

[MsBetsy]

At least a couple, IIRC

Which blows my mind that they were able to walk away, what if they have knowledge to the murder, now they are gone like the wind!


But only about 5 live on the property

Rivera, 24, worked at the farm for roughly four years and lived in one of its trailers for free. The farm has said that it employs about 10 other workers, and about half of them live in provided housing.


Immigration officials spend 2 hours at dairy farm that employed suspect in Mollie Tibbetts' death

That's a great point. It was implied that they left because of their status, but what if they had another reason for leaving?

 

[Jealoushe]

The real issue for the farm is that they WERE negligent in hiring this man. They did not properly vet him. Then gave him access to a vehicle.

Their insurance will not cover anything, vehicle or farming/business related because of the illegal activity taking place and the no valid DL. So if they do get sued, it will be entirely out of pocket to fight and pay if they lost.

I would expect their insurance company to non renew them based on the vehicle and employee issues.

 

[Jealoushe]

Are you an actuary? I know I've been told a lot of things that affect my premiums by my agents, but I really think the biggest one is how much they can get you to pay!

I am RIBO (Registered Insurance Broker Ontario)/CAIB (Canadian Accredited Insurance Broker) and CIP (Chartered Insurance Professional)

 

[Confusion]

I am RIBO (Registered Insurance Broker Ontario)/CAIB (Canadian Accredited Insurance Broker) and CIP (Chartered Insurance Professional)

Close enough.

 

[kpm]

That's a great point. It was implied that they left because of their status, but what if they had another reason for leaving?

We have no idea now unless LE can track them with current ID’s which we know can be easily switched out

I would have thought LE. would have requested NO ONE leaves until investigation is done

 

[MistyWaters]

As stated, that example was to illustrate how multiple parties can get dragged into a civil case.

An entirely different question is whether a civil case can be filed and end up succeeding against the farm and other possible listed defendants.

Based on what little we know so far I think there is a potential civil case here that could be won. If one is ever filed, the courts will be the ultimate decision maker if its successful or not. Many are lost or thrown out of court before they hit the end too.

As it appears both families are heavily invested in the small community, I think it’s unlikely to happen. I get the sense the Tibbett family will honour her memory in more positive ways rather than attempting to use the courts to assign a dollar figure upon it.

 

[MsBetsy]

Are you an actuary? I know I've been told a lot of things that affect my premiums by my agents, but I really think the biggest one is how much they can get you to pay!

Exactly. I had to pay more because I had a cabriolet, as I said before. Drove it for 13 years and even left the top down when I ran into a store. No-one ever tried to steal it but just because they "could have", I had to pay alot more insurance.

 

[MistyWaters]

Right. Did you not read carefully as i said exactly that.

"The link below is mostly talking about car accidents"

Sorry, I didn’t notice even “mostly”.

 

[Al Hoffman]

No. For liability to arise, you have to prove negligence. Now if you knew this was a killer and had a history of axing people then yes, you could be found liable.

The thing with auto insurance is the person who is in care custody and control. The vehicle owner and listed drivers would be the ones in care custody and control. With no DL, you can NOT be listed as a driver. No DL = no coverage. There is NO way around this.



Your broker is misinformed. Rates are not really based on this. Your comprehensive premium would be the only thing effected by this. Rates are primarily based on the severity of accidents, injuries and deaths involved in your specific make and model. For example, Ford Rangers have higher premiums because the injuries involved in accidents in those are usually very severe and have much higher claim pay outs for liability and accident benefits.

Also included are the stats for your area, age, and how far you commute/use of vehicle.

There are several ways around the insurance issue you note with a MVA.

1) Unlicensed driver runs away. Police find abandoned wrecked vehicle. Yes they investigate, how much depends on if this was an accident with fatality or other serious crime, but with no results. No culpable driver found. Claim paid.

2) Actually unlicensed driver shows owner a fake but convincing DL. This is theft by fraud. The vehicle is actually stolen at time of MVA or Murder. Claim paid.

3) After the fact, CR looks at car. Says "I can't clean up/fix this mess. Drives car into pond. Walks home. Car reported missing/stolen. Claim paid.

There is always a new and marvelous way to commit fraud.

JMOO...and that of former criminal drinking buddies. Some of the stories.....

 

[kpm]

As it appears both families are heavily invested in the small community, I think it’s unlikely to happen. I get the sense the Tibbett family will honour her memory in more positive ways rather than attempting to use the courts to assign a dollar figure upon it.

Sometimes it’s not the money value

Sometimes it’s to stop this sort of thing from happening to the next Mollie

 

[MsBetsy]

We have no idea now unless LE can track them with current ID’s which we know can be easily switched out

I would have thought LE. would have requested NO ONE leaves until investigation is done

Maybe they left in the dark of night.

 

[Al Hoffman]

I agree, I would think the owner of the car would have to be proven complicit in some way. Because if not, why not sue the county for building the road and Chevy for manufacturing the car as well. There’d be no end to potential liability.

This is why gun manufacturers can't be sued for a gun used in a school shooting. Unfortunately, there is no product liability, as the "gun" did exactly what it was made to do, and was then sold to a licensed intermediary, by law.

 

[MistyWaters]

The real issue for the farm is that they WERE negligent in hiring this man. They did not properly vet him. Then gave him access to a vehicle.

Their insurance will not cover anything, vehicle or farming/business related because of the illegal activity taking place and the no valid DL. So if they do get sued, it will be entirely out of pocket to fight and pay if they lost.

I would expect their insurance company to non renew them based on the vehicle and employee issues.

I presume the Farm’s negligence in hiring CR is your opinion? Because no such charges have been laid at this point in time.

 

[Hatfield]

Exactly. I had to pay more because I had a cabriolet, as I said before. Drove it for 13 years and even left the top down when I ran into a store. No-one ever tried to steal it but just because they "could have", I had to pay alot more insurance.

I had a similar situation with a vehicle. I bought a car which was new on the lot but it was over a year old sitting on the lot and considered a used vehicle. It also had over 100 test driving miles on it. I think the car dealer may have driven it home a few times. LOL

Come to find out my insurance was higher because it was classified as a used vehicle by my insurance.

I have learned to check insurance rates on any proposed vehicle being bought It can make a world of difference in monthly payments.

 

[Al Hoffman]

Just adding this, half living in provided housing.

“Rivera, 24, worked at the farm for roughly four years and lived in one of its trailers for free. The farm has said that it employs about 10 other workers, and about half of them live in provided housing.”
Immigration officials spend 2 hours at dairy farm that employed suspect in Mollie Tibbetts' death

Maybe 5 then?

 

[FrostedGlass]

I think he used a fake ID when they hired him, but not a driver's license. At least not for that state.

Why do you think that? I know next to nothing about fake IDs except they wreak havoc on the victims.

It seems to me that, knowing he would be doing farm work, it would be a big benefit to him to have a DL. Do we know what state his fake ID is from? Maybe it's a state that issues DLs to illegal aliens? Well, even if he had a legal one issued to his fake identity, it would still not be a valid DL?

I wonder if he ever lived in the state his fake ID is from.