Wonder why car insurance is so expensive?

razoreqx

Active Member
My Blog
So yesterday I crashed into the back of another car as we were both turning left on a green arrow turning yellow. She gunned it and then realized she wasn’t going to make it and slammed on the brakes. Of course I had no time to react, and barley got into the breaks, at which time the wheels on my Jeep locked up, and I slid right into her back bumper.
We pull over.
Me having some law enforcement background noted the small amount of cosmetic damage on her bumper, so I suggest we get her a police report, knowing fully I would be found at fault.
Twenty minutes went by as we waited for an officer. The driver of the other car was pacing around talking to her husband on a cell phone, and soon he rolled up on the scene as well.
The three of us joked about the whole thing, as we continued to wait for the officer.
As soon as the officer arrived on the scene he asked us both if we were alright.
It was at that moment she grabbed the back of her neck and started to complain.
At that point the officer did what he had to do and called a squad.
The squad rolled up and hauled her to the hospital. All protocol.
Coming to work I knew i needed to call my insurance company today to notify them of the accident.. Well it turns out she had already contacted the.. well her attorney had, and had notified my insurance company there would be a lawsuit for permanent damage to her neck. All in ONE day.
 

seasalt101

Active Member
that bites, when you go to court pull the mike brady thing and throw a briefcase on the floor, make it loud...tobin
 

team2jndd

Active Member
Originally Posted by RazorEQX
My Blog
So yesterday I crashed into the back of another car as we were both turning left on a green arrow turning yellow. She gunned it and then realized she wasn’t going to make it and slammed on the brakes. Of course I had no time to react, and barley got into the breaks, at which time the wheels on my Jeep locked up, and I slid right into her back bumper.
We pull over.
Me having some law enforcement background noted the small amount of cosmetic damage on her bumper, so I suggest we get her a police report, knowing fully I would be found at fault.
Twenty minutes went by as we waited for an officer. The driver of the other car was pacing around talking to her husband on a cell phone, and soon he rolled up on the scene as well.
The three of us joked about the whole thing, as we continued to wait for the officer.
As soon as the officer arrived on the scene he asked us both if we were alright.
It was at that moment she grabbed the back of her neck and started to complain.
At that point the officer did what he had to do and called a squad.
The squad rolled up and hauled her to the hospital. All protocol.
Coming to work I knew i needed to call my insurance company today to notify them of the accident.. Well it turns out she had already contacted the.. well her attorney had, and had notified my insurance company there would be a lawsuit for permanent damage to her neck. All in ONE day.
What a scumbag. Would your insurance cover any lawsuits?
 

adairable

Member
That hurts my feelings!!!! What a shame. Sorry to hear about that!
A friend of mine is getting sued for a small fender-bender too. The husband of the lady, who may or may not have been injured, is sueing my friend b/c since the accident the wife has not "bed" him, so to speak....
 

autofreak44

Active Member
that sucks... people need to find better things to do than to go rip some perfectly reasonable citizen off in court... hope it works out
 

maxalmon

Active Member
Hate to say this, but sounds like they were aware that most insurance companies will settle for 10K right away, minus attorney fees, hospital fees, rehab fees and then the other driver pockets maybe 3-4k....It's less expensive for them to go ahead and toss away 10k than it is to fight the case in court as the attorney fees will be more than 10k.
 

windmill

Member
That's probably one of the reasons right there.
I've always been under the impression it was due to parents buying their kids a high powered, rear wheel drive vehicle right about the time they start experimenting with drugs and alcohol.
I can't even count the number of times some punk idiot at school would bring pictures of his mustang, camaro, or whatever he rolled the day before and brag about how his parents are going to take him/her shopping for another brand new one right after school. I'd always joke that it was like the parents were actually trying to kill their kid.
 

seasalt101

Active Member
Originally Posted by windmill
That's probably one of the reasons right there.
I've always been under the impression it was due to parents buying their kids a high powered, rear wheel drive vehicle right about the time they start experimenting with drugs and alcohol.
I can't even count the number of times some punk idiot at school would bring pictures of his mustang, camaro, or whatever he rolled the day before and brag about how his parents are going to take him/her shopping for another brand new one right after school. I'd always joke that it was like the parents were actually trying to kill their kid.
i think until you are 21 you should only have a 4 cyl. vehicle not souped up no turbo it should be a law jmo...tobin
 

scgator

Member
I wouldn't be so sure about the settling. If she is claiming bodily injury and the insurer suspects fraud they will probably take her on no matter the cost. I hope she knows that she could go to jail and pay a BIG fine if they find out that she's scamming. Most of the companies I work with have a no settle policy when there is any doubt. The costs are greater in the long run to NOT press the case than if they settle.
Make sure you tell the company and/or your agent that you suspect fraud. She may have stopped short to get you to hit her. That's one of the scams we learned about in our training.
 

jovial

Member
Were there any cameras at the intersection? If so ask your insurance company to review the accident. Maybe this will show her moving around freely.
What a scumbag.
 

aquaknight

Active Member
Originally Posted by seasalt101
i think until you are 21 you should only have a 4 cyl. vehicle not souped up no turbo it should be a law jmo...tobin
Yea, then you can't own a 3000 sq. ft. house till your 35, a boat over 40ft. till 55....
 

seasalt101

Active Member
Originally Posted by AquaKnight
Yea, then you can't own a 3000 sq. ft. house till your 35, a boat over 40ft. till 55....

cars kill a lot of teenagers every year let them learn how to drive before they get behind the wheel of a powerful car, you are either a teenager yourself or you do not have kids to care about i am a professional driver and have seen lots of kids bodies dragged out of wreckage because they think that there good at need for speed they are really good drivers they are not...tobin
 

reefreak29

Active Member
Originally Posted by AquaKnight
Yea, then you can't own a 3000 sq. ft. house till your 35, a boat over 40ft. till 55....

lol someones under 21
, i dont think u should even be able to get a lisence till your 21, think about how much cheaper car insurance and gas would be
 

seasalt101

Active Member
Originally Posted by reefreak29
lol someones under 21
, i dont think u should even be able to get a lisence till your 21, think about how much cheaper car insurance and gas would be
but then you have a 21 year old that can't drive and go drink at a bar too, not a good combo, insurance would not lower either, they would just raise the age where the discounts kick in...tobin
 

aquaknight

Active Member
No, I am 21, almost 22 (in September). I used that illustration to help paint a picture of how your absurd comment was. Telling teenagers what type of car they 'could' own till whatever age, would be identical to telling a middle-aged man that he could only own something "X" big till he was X years old IMO. Just seems like a fringe upon rights to me.
I went to a nice highschool in Ft. Lauderdale, and lots of us had nice cars. We definitely were not falling by the wayside and graduating with a quarter of our starting class. In fact, I can remember only one case of speeding being a factor, but he drove a riced-out 4-cylinder, nothing 'fast.' The other 3 or 4 we lost were in 'regular' cars, Accords, Chevys, etc. I understand this is just one example but it helps to prove my point, that the blame if a kid does wreck his "Hi-Po RWD" car, is that its not entirely his fault, its his parents fault for not teaching the respect one needs to drive such a car, and obviously facilitating the careless purchase. Something as a "professional driver" I'm sure you know about seasalt...
What I think everyone falls to see, is that it really doesn't matter what you raise the driving age to, that group with always be the worst. If you raised to 21, everyone would be talking about how many deaths come from 21 year olds, lets raise it to 25. But even going to 21 would be ludicrous. Think of the employment #'s of 16-20 year olds and by cutting them out, how that would tragically hurt our frail economy.
 

seasalt101

Active Member
ok you live in a flat part of the country with relatively straight roads i lived in n. michigan for a couple of years the area had 1 high school every year at least 20 kids would die because they did not know how to drive it takes several years to become a good driver that is why you are paying a buttload of insurance the insurance companies already have the stats and until you are 25 you are paying top dollar or another way to put it you are an inexpierienced driver and cars with less hp ere less likely to do stupid stuff like street racing, donuts in the front of your/there house etc, the argument you put forth would be much better suited if you were to say after a certain age the driver should be put through some kind of responce to a situation test
every couple of years or so which i would agree with...tobin
 

aquaknight

Active Member
Lol, your plan sounds very similar to what I've proposed a couple times (not here or anything, just in general) that could be used to help with the elderly drivers which more or less a serious problem here. Yea, our roads are flat and straighter, but all that means is that whatever you hit, you do at a greater speed. I understand we (<25) pay the most, rightfully so, it's just whatever starting group will (or maybe not, depending on how long life expectancy goes up lol
).
I do agree that what's in place now is a complete joke. I didn't even have to leave the parking lot when I got my license 6 years ago. Maybe if the testing were stricter, it would weed out those who can't drive and save some lives.
 

seasalt101

Active Member
i also used to live in fla, across alligator alley from where you grew up in naples and marco island old people arghhh doin 38 in a 75 instant road rage when i was younger, left turn signal for 52 mile then they turn the other way
where i live now parents will buy kids whatever they want spoiled heathens, i got rear ended about 2 months ago by some kid in front of a school stopped completely for at least a minute kid gets out looks like a 6th grader and he was in a extended cab ford less than 2 yrs old i wanted to spank his fill in whatever you deem the proper term here i will always feel the way i do about that though i would like to see the number of deaths of people under 21 per each cylinder category non-alcohol related, other laws that i feel should be instated are, no gun without a compete phsycological exam and gun safety course, that's it for now...tobin
 

teen

Active Member
my reasoning behind car insurance being so high is because cops are no longer here to serve and protect, but rather set up and screw over.
 

reefraff

Active Member
I was in a wreck once and it took at least 15 or 20 minutes before I figured out my wrist was broken. If she really does have a neck injury it could have taken a while for it to start hurting.
If the lawyer called your insurance company the next day and said they would be suing for permanent neck damage either your insurance agent agent wasn't listening really well or the lawyer is a complete fool. I can't believe any competent doc would make such a diagnosis after a single day unless her neck is broken.
 
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