Hello, this is Jeff Kelly and I want to talk about a car wreck that took place recently. And my understanding is that one of the victims lost her leg and that she was a cross country, cross country high school coach and a runner, which is very near and dear to my heart because I ran cross country in high school and college, up until I had an injury in my late thirties.
So, I just feel for this person. hate that this has happened. My understanding is that one of her legs had to be amputated and that she was pressed underneath a car for, somehow, they couldn't get her out for like two hours or something crazy like that. And I don't know if this is true or not, but my understanding is that the person that apparently were multiple cars involved and that one of the drivers,
might have been under the influence of meth. So hypothetically assuming that is true, I want to answer the question that sometimes comes up is if that person who, if a driver is under the influence of anything, meth, alcohol, anything like that, and they end up with a huge judgment from the damage that they caused, can they get out of it in
bankruptcy case and the answer is no you cannot and the reason is because the Bankruptcy Code is crystal clear that is a non-dischargeable debt so let me read the section to you it's section 523 a 9 I talking about you know this type of debt is non-dischargeable for the death
or personal injury caused by the detours operation of a motor vehicle, vessel or aircraft. If such operation was unlawful because the debtor was intoxicated from using alcohol, a drug or another substance. Another topic I'd kind of like to cover here is car insurance. I encourage everyone check your car insurance, make sure your uninsurance motor vehicle is as
as you can afford it because unfortunately Georgia requires a ridiculously low amount of insurance for people to be in compliance with the law. I think it's something like $25,000 and it ought to be like $250,000. And one of the reasons they don't increase that is they think it would make everybody's insurance go up. And I don't believe that. I think it would make the insurance go up for bad drivers.
but not for good drivers because right now if you are a good driver and you want to make sure you are covered, you have to pay extra for your insurance to cover the people who are too cheap to buy the correct amount of insurance. So make sure you have uninsured coverage. Make it as high as you can. You might want to consider getting what's called an umbrella policy.
as well and you know make sure you talk to a good insurance agent not somebody who's doing it on the side they've got a full-time job doing something else and they're just kind of you know trying to make a little extra money selling you car insurance no no no no this is your life at stake here your family's at stake make sure you go to a good and reputable car insurance company so that you are adequately covered
Hopefully our state representatives will get it together and protect the people by raising these amounts so that in horrible situations like this, people are covered. In the past, in my younger days, I was libertarian and I thought, live and let live. If somebody wants to use whatever, I don't care, as long as it doesn't affect me. And in my old age, I now realize it does affect me and it affects everyone in our society.
And like this poor person driving down the road, know, whammo, allegedly, meth head came out of nowhere and has altered her life forever. It's not fair. And now I'm a till the hun. I think we should come down on people who use illegal drugs in the absolute hardest way that our constitution will allow.
They've got to be put in jail. We've got to put a stop to this kind of thing because it is such a tragedy and if you have a vehicle and You have relatives that you know might have a drinking problem or might have a drug problem Do not let them drive your car ever ever ever Don't do it. Don't let him borrow it to run to the grocery store Don't let him borrow it just
Don't you want to give them your car and sign the title over to them? Okay, now you're not going to have liability. But if you knowingly let somebody who might be a threat to society drive the car, you could potentially be exposing yourself to some legal liability. Just, just don't do it. And for, those of you who are in, you know, these horrible situations, I get it. People make mistakes. We're all human. I get it. But unfortunately,
you're not going to be able to a debt out if you've caused it by drunk driving or driving under the influence of any type of drug. If you're driving unlawfully, that's going to be the key in making your debt non-dischargeable. Now, what does that look like long-term for somebody that's got a non-dischargeable debt hanging over their head?
By the way, criminal restitution is not dischargeable in bankruptcy either. It's treated the exact same way. But if there is a civil judgm
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