Topic Author
Posts: 835
Joined: Fri May 05, 2000 2:08 am

Auto Insurance

Fri Aug 10, 2001 9:05 am

Last spring I got rear ended twice. The first offender cajoled me into not calling the police, then hid like a rat when I tried to make a claim on her for the $746 repair. I figured that this woman (who was not wealthy) saw an Asian male and a rich looking WASP in a late model SUV and though she could safely avoid liability.  Angry  Pissed Fortunately, she had left her insurance card and I finally called her agency (a high risk agency) and they believed my story even though they couldn't contact her. So I got my $746 repair. And her insurance premiums probably exploded.

The second time was better since I called the cops and got a police report and the other driver got cited. It was OK, but I was still worried about getting hurt and going through the hassle of getting paid back if I did get hurt or some damage was found on my car.

It was OK since the other driver began to cry like a baby because she thought I was hurt. That was a nice thing to do that made me not particularly angry.

I think that it should be a state law that when you're at fault in an accident, you should not only be forced to pay for the repairs to the vehicle, you should be forced to pay the other an "aggravation payment" according to a sliding scale. And it should be a damn generous curve- say $.25 for each $1.00 in damage.  Smokin cool

Either that, or after the police find out who's at fault, the person who suffered the damages gets to punch the person at fault once for every $100 in damage. For every $300 in damage, the person who suffered gets to use an instrument like a jack, baseball bat, or 2 X 4. Big thumbs up

Or the person who suffered damages could write a waiver if the person who caused them was sufficiently regretful. Innocent

That way people like me wouldn't get violently mad. We'd get the compensation we really NEEDED.
Topic Author
Posts: 835
Joined: Fri May 05, 2000 2:08 am

RE: Auto Insurance

Fri Aug 10, 2001 11:13 am

Well? Nobody here has ever been in an accident that they didn't cause? Nobody has ever wanted to punch the other driver for making it so they have to deal with their insurance company?

RE: Auto Insurance

Fri Aug 10, 2001 12:41 pm

Yes, I have actually. I was driving somewhere (dont quite remeber where, it was a while ago), i was crusing in my moms BMW Z3, it was warm spring day, so i had the top down, i was having a good time. I was going though an intersection (i didn't have a stopsign, or traffic light, i had the right of way), when this Navigator came and smashed into me. Airbags and stuff went off of course. The Nav ran the stopsign. It was a middle aged lady. She was balling (sp?) when she got out, she hit me on the passengers side, so i was able to open my door. I got out, i was VERY shaken, I called her a few choice words, as you can imagine. I coudl'nt find my cell phone in the wreck of a car, so she used her to call the police. After 20 minutes, and numerous car stops, the police showed up. Of course it was her faul. It was put in the police reoprt as failure to stop at a stop sign, her insuarnace had to take care of everything. So once i called my mom and had pick me up, we immediately called her insurance company. We told them where we were having the car taken to for an estimate (the tow truck had to take it, since it was undriveable). Needless to say, it was totaled. Their insurnace company sent us a check for the value of the car within a week. We didn't buy a new car till we moved to CA. I wasn't very mad, since it was my fault, plus it was a ver simple process.


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