Wow, can they really do this? rear-ended

[ChadTower]

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.

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.   

[Rick]

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.

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]

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.

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]

Were those low speed minor collisions with no injuries like this one?

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.

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?

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]

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.

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. 

[Hoopz]

Not only were my rates unaffected, I never even saw a bill for that ER trip where they checked my nuts in front of my wife's friend and the state trooper handing me a form and informing me there would be no charges because I didn't knock down the state's oak tree.

 

Different from when your hair caught fire?

Yeah, good luck getting the stranger to ride in your car for 3 hours to go play pinball.   

[Mikezilla]

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.   

haha CT that was funny. Youre right, Im just assuming she is a hog. Every chick I have ever seen drive a prius looks like she hasnt showered in a month and has longer arm pit hair than I do.

[Vigo]

haha CT that was funny. Youre right, Im just assuming she is a hog. Every chick I have ever seen drive a prius looks like she hasnt showered in a month and has longer arm pit hair than I do.

She showers, it's just that she uses eco-friendly, "green" soap. You know, the stuff made from pine tar, alfalfa ejaculate, farm essence,  seven-year aged bok choy, socially-responsible harvested Argentinian flax....

[ChadTower]

alfalfa ejaculate

[Vigo]

alfalfa ejaculate

That sort of imagery is not what I had in mind, but it's even funnier and more disturbing in THAT sense. I had to leave my desk at work in order to not burst out laughing.

I actually got the term off of some dollar store lotion had something like "Eucalyptus Ejaculate" on it's ingredients. I could never understand why product would want to use that term for anything other than the obvious.

[ChadTower]

The word actually means "to scream suddenly" or "to eject or soundly reject" too.  I think that's more British English than US English, though.  I read The Invisible Man last year and there is a line that goes roughly "in a rage he paced his room like a lion, clenched his fist, ejaculated, and sat down exhausted" that made me actually choke I was laughing so hard.

No idea how that applies to ingredients in moisturizer.   

[Vigo]

The word actually means "to scream suddenly" or "to eject or soundly reject" too.  I think that's more British English than US English, though.  I read The Invisible Man last year and there is a line that goes roughly "in a rage he paced his room like a lion, clenched his fist, ejaculated, and sat down exhausted" that made me actually choke I was laughing so hard.

No idea how that applies to ingredients in moisturizer.   

Haha! time to add that to my list of books to read. I'm pretty sure the fact that this lotion was made in china (at least the bottle). I think the stuff was called something like: "Oh! It's Fresh!"

Looking at Dictionary.com, they have this listed in the medical definition: 1 :  to eject from a living body

I'm guessing they were trying to say that it was freshly squeezed from the plant, but babelfish screwed up as usual.

[shmokes]

Haha! time to add that to my list of books to read.

If it's the Ralph Ellison novel, rather than the Orson Wells novel of the same name (it sounds like the Ellison one by that quote), I wouldn't put it on your list based on that line.  It's a great book, but it's not humorous at all.  The humor in that line is entirely unintentional. 

[ChadTower]

It's the HG Wells version.  Third option.   

[Vigo]

Yeah, I would be for the HG Wells version. I love the classic novels (not saying the Ellison one isn't considered classic). Especially the horror and science fiction novels. I guess The Invisible Man is one of the ones that has eluded me. It's not because of the one line that I wanted to read the book, it was more of an "Oh, yeah! I never read that one!"

[shmokes]

LOL . . . I meant H.G.  As far as I know, Orson Welles never wrote a book (though I suppose he did, coincidentally, make a movie based on an H.G. Wells novel).  I've never read H.G. Wells anything, but my wife recently read the Time Machine and really liked it.  At any rate, the Ellison Invisible Man is definitely a classic, but a much different novel than the Wells book.  It's not about a literally invisible man at all, but rather about race relations in the early 20th century in the US.

edit: BTW, don't rule out Memoirs of an Invisible Man by H.F. Saint.  It is an incredibly good read.  Far far far better than the Chevy Chase movie based on it.  One of the best times I've ever had reading a book.