It's a good thing I dont carry a baseball bat in my car...
#18
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So another person's insurance, who might not fully cover their own client's car in the event of responsibility, isnt fully responsible for any and all damages caused when they just run into someone? Even the "bad" insurance companies I've witnessed have covered body damage unless it's totaled but such a less desirable company would have a very high deductible making it possibly worth it to not claim. But I believe they are obligated by law to cover damage to another if the fault of their insured. Sure, that person might get dropped or penalized somehow but...they do their job from what I've ever seen. I believe that's kind of their primary function, no? Maybe I'm naive.
I suppose if not then that's when my insurance might kick in to help. I've been fully covered for 17 years with a more popular/reputable company with minimal claims. None until the last 3 years. It's usually an easy process. Once I just went in to my rep's office.. said I had a fender bender and needed a new bumper, I handed them a dealer estimate and they printed me a check right there in the office without even seeing the damage.
Given the lack of my fault/responsibility in this combined with ANY insurance companies responsibility/purpose and the backup of having good insurance myself, in case; I feel pretty secure. Knock on wood.
I suppose if not then that's when my insurance might kick in to help. I've been fully covered for 17 years with a more popular/reputable company with minimal claims. None until the last 3 years. It's usually an easy process. Once I just went in to my rep's office.. said I had a fender bender and needed a new bumper, I handed them a dealer estimate and they printed me a check right there in the office without even seeing the damage.
Given the lack of my fault/responsibility in this combined with ANY insurance companies responsibility/purpose and the backup of having good insurance myself, in case; I feel pretty secure. Knock on wood.
#21
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Don't understand how people can be so incredibly stupid to hit someone at a red light. Where the hell were they looking? If your car wasn't there, would they just go straight through the intersection? possibly killing someone going the other way. Glad you're not hurt and luckily the damage doesn't look severe but I still woulda got out of my car and gone ape **** on her. Only way to make these people learn is to scare them into realizing they are driving a 3500 object and can hurt people.
#22
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Yeah I thought the same. I wasnt looking to my rear so either 1. she was stopped behind me and slammed on the gas , or two she was coming from behind and didnt attempt to stop, as i heard no braking at all. I almost went ape****. The first thing i did was get out and open my trunk, she came over, stuck her head in my trunk started touching things. I yelled at her to go sit in her car and i didnt even look her direction the rest of the time.
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