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Wow, can they really do this? rear-ended
ChadTower:
--- Quote from: Rick on October 27, 2010, 03:07:04 pm ---That's easy. They're saying it's his Dad's fault, and then they're going to jack up his rates. Of course, they don't want to fight it. They now have the ability to make more money from him.
--- End quote ---
They aren't going to jack up his rates $7500. It isn't going to go to small claims court if he is insured. The woman is not going to sue his father if he is insured. A simple collision with no cited moving violations does not jack your rates up enough to cause this much alarm. The amount of anxiety does not match the potential problem here.
And Mikezilla - you changed the parameters after I said that! I'm not buying into your theory that she's a complete hog. Let's see some pics of this guy's recent girlfriends and do a comparison. It needs to be proven that this woman is way below his usual performance levels. :pics :pics
Rick:
--- Quote from: ChadTower on October 27, 2010, 03:34:02 pm ---They aren't going to jack up his rates $7500. It isn't going to go to small claims court if he is insured. The woman is not going to sue his father if he is insured. A simple collision with no cited moving violations does not jack your rates up enough to cause this much alarm. The amount of anxiety does not match the potential problem here.
--- End quote ---
I'm 38, and I was in two accidents in my late 20's, neither of which were deemed "my fault". My Insurance Company jacked up my rates to the point where I was paying DOUBLE, saying that, "even though it wasn't my fault, I was too much of a risk to give 'normal rates' to". Before you say, "it can't happen", know that there are people out there who it has happened to. And it's not like it was a small company - it was STATE FARM.
ChadTower:
--- Quote from: Rick on October 27, 2010, 03:38:56 pm ---I'm 38, and I was in two accidents in my late 20's, neither of which were deemed "my fault". My Insurance Company jacked up my rates to the point where I was paying DOUBLE, saying that, "even though it wasn't my fault, I was too much of a risk to give 'normal rates' to". Before you say, "it can't happen", know that there are people out there who it has happened to. And it's not like it was a small company - it was STATE FARM.
--- End quote ---
Were those low speed minor collisions with no injuries like this one?
Note that two accidents are different than one accident.
Did they jack up your rate $7500 and allow the other party to sue you directly?
Rick:
--- Quote from: ChadTower on October 27, 2010, 03:50:26 pm ---Were those low speed minor collisions with no injuries like this one?
--- End quote ---
Yes. Nearly identical. My car had under $1000 worth of damage in each case, and the other cars suffered ~$2500 worth of damage in each case.
--- Quote from: ChadTower on October 27, 2010, 03:50:26 pm ---Note that two accidents are different than one accident. Did they jack up your rate $7500 and allow the other party to sue you directly?
--- End quote ---
My rate went from ~$150/mo. to over ~$300/mo. on the same vehicle. They basically said that even though it was proven not to be my fault, they had no interest in continuing my coverage, and the raise in the price was a reflection of that, even though my family had been with them for ~20 years.
ChadTower:
--- Quote from: Rick on October 27, 2010, 03:54:26 pm ---My rate went from ~$150/mo. to over ~$300/mo. on the same vehicle. They basically said that even though it was proven not to be my fault, they had no interest in continuing my coverage, and the raise in the price was a reflection of that, even though my family had been with them for ~20 years.
--- End quote ---
Was this after the first or the second accident? Two accidents are more than one accident.
You didn't get sued directly. It didn't cost you $7500.
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