Was texting and ran into the back of a suv
My license is expired and my insurance card is from 2013
The police officer was so nice. It was cold outside so he let me sit in his car until my friend picked me up
We listened to some Katy Perry
Long story short I didn't get a ticket and my insurance will pay for everything
:blessed:
oh wow so ur insurance was up to date u just had an old card?
Quote from: TheNextLew on December 11, 2016, 06:10:33 AM
oh wow so ur insurance was up to date u just had an old card?
nnnn
Yeah
He just took the old card
s
I'm sorry .... come again ... which part of this story should we attempt to believe first?
- What happened to you car afterwards?
- Why did you not get a ticket?
- (https://68.media.tumblr.com/473a5f12896a9db7a083b3f68855530b/tumblr_inline_nhc0eoRHIW1r5en4f.gif)
Quote from: BENTLEY. on December 11, 2016, 06:44:25 AM
s
I'm sorry .... come again ... which part of this story should we attempt to believe first?
ddddddddddd
Wow your insurance let you obtain a policy with an expired licence? Strange
NO injuries?
F
This guy is demented
j
Well the good thing is that you're okay.
n
Katy Perry tho?
;
:uhh:
I'm sorr'
But how do u ram the back of someone and not get a ticket or have the driver of the SUV wanna lash u financially?
What's your insurance company? I want them if they pay for an accident that's your fault.
v
There's nothing believable about this. Seek help luv.
Quote from: Boomer on December 11, 2016, 08:59:45 AM
I'm sorr'
But how do u ram the back of someone and not get a ticket or have the driver of the SUV wanna lash u financially?
What's your insurance company? I want them if they pay for an accident that's your fault.
Umm...that's the purpose of liability insurance which is required in just about every state. :ATLcameo:
n
It's not a lie
He told me a story about a man that he pulled over who was driving with a Jason ski mask
He was so afraid to pull him over but when he did he told him to keep his hands above the steering wheel
He reached down and almost shot him
But he was looking for his license, he turned out to be a paper delivery man.
But yeah, he was going to give me a ticket for not paying attention but I told him damaging my car was punishment enough
:damselindistress:
Luv how do you have insurance with an expired license
And you're not supposed to sit in a cop car unless you're under arrest
It was cold outside
He was being nice
Not all cops are bad guys
The man I hit was a vet and he had PTSD
The sirens and police lights kinda shook him up a bit
:ohwow:
h
Quote from: brocka4life on December 11, 2016, 09:13:55 AM
Quote from: Boomer on December 11, 2016, 08:59:45 AM
I'm sorr'
But how do u ram the back of someone and not get a ticket or have the driver of the SUV wanna lash u financially?
What's your insurance company? I want them if they pay for an accident that's your fault.
Umm...that's the purpose of liability insurance which is required in just about every state. :ATLcameo:
I mean...sure. But if you're completely at fault, they're not so quick to cover. At least any company I've been with.
Quote from: Chokeme on December 11, 2016, 09:54:18 AM
The man I hit was a vet and he had PTSD
The sirens and police lights kinda shook him up a bit
:ohwow:
Bbhhhhy
Boy gone
I have to admit
My current license didnt expire until 2019 but I lost the mess at the club last year
So I use an old license that is expired
I didn't even tell him that
:dead:
He just looked at the old one and punched
:stressed:
Quote from: Boomer on December 11, 2016, 09:56:30 AM
Quote from: brocka4life on December 11, 2016, 09:13:55 AM
Quote from: Boomer on December 11, 2016, 08:59:45 AM
I'm sorr'
But how do u ram the back of someone and not get a ticket or have the driver of the SUV wanna lash u financially?
What's your insurance company? I want them if they pay for an accident that's your fault.
Umm...that's the purpose of liability insurance which is required in just about every state. :ATLcameo:
I mean...sure. But if you're completely at fault, they're not so quick to cover. At least any company I've been with.
Their job is to investigate what happened to determine if they (you, the insurance company) are liable. If so, they are responsible for paying , up to your policy limits. If they don't feel you were 100% at fault, they are them responsible for providing a defense for you - up to your policy limits. Depending on the state, and their specific laws concerning negligence, outcome of payment can differ.
Where do you reside and what companies have insured you? It should pretty much be spelled out in your insurance contract. And we're talking liability here, which is coverage for the other person's damages. You may be thinking of first party coverage, which your insurance won't pay you if you're at fault and you don't have collision coverage.
Although this story has some things that are questionable, everything about it is possible.
Full coverage
:feelinmyself:
Chard... sister....
Quote from: brocka4life on December 11, 2016, 10:22:50 AM
Quote from: Boomer on December 11, 2016, 09:56:30 AM
Quote from: brocka4life on December 11, 2016, 09:13:55 AM
Quote from: Boomer on December 11, 2016, 08:59:45 AM
I'm sorr'
But how do u ram the back of someone and not get a ticket or have the driver of the SUV wanna lash u financially?
What's your insurance company? I want them if they pay for an accident that's your fault.
Umm...that's the purpose of liability insurance which is required in just about every state. :ATLcameo:
I mean...sure. But if you're completely at fault, they're not so quick to cover. At least any company I've been with.
Their job is to investigate what happened to determine if they (you, the insurance company) are liable. If so, they are responsible for paying , up to your policy limits. If they don't feel you were 100% at fault, they are them responsible for providing a defense for you - up to your policy limits. Depending on the state, and their specific laws concerning negligence, outcome of payment can differ.
Where do you reside and what companies have insured you? It should pretty much be spelled out in your insurance contract. And we're talking liability here, which is coverage for the other person's damages. You may be thinking of first party coverage, which your insurance won't pay you if you're at fault and you don't have collision coverage.
Although this story has some things that are questionable, everything about it is possible.
I'm in Missouri
I've been with Progressive and then Esurance
r u an insurance agent
:ohwow:
First party may be what I'm thinking of. See I never been in a collision so I wouldn't know how the process works. I've only heard stories from friends and familly of how difficult their insurance companies were with them after having accidents.
b
Quote from: Chokeme on December 11, 2016, 09:54:18 AM
The man I hit was a vet and he had PTSD
The sirens and police lights kinda shook him up a bit
:ohwow:
ssssss
Thanks for the update
Quote from: Boomer on December 11, 2016, 10:35:05 AM
Quote from: brocka4life on December 11, 2016, 10:22:50 AM
Quote from: Boomer on December 11, 2016, 09:56:30 AM
Quote from: brocka4life on December 11, 2016, 09:13:55 AM
Quote from: Boomer on December 11, 2016, 08:59:45 AM
I'm sorr'
But how do u ram the back of someone and not get a ticket or have the driver of the SUV wanna lash u financially?
What's your insurance company? I want them if they pay for an accident that's your fault.
Umm...that's the purpose of liability insurance which is required in just about every state. :ATLcameo:
I mean...sure. But if you're completely at fault, they're not so quick to cover. At least any company I've been with.
Their job is to investigate what happened to determine if they (you, the insurance company) are liable. If so, they are responsible for paying , up to your policy limits. If they don't feel you were 100% at fault, they are them responsible for providing a defense for you - up to your policy limits. Depending on the state, and their specific laws concerning negligence, outcome of payment can differ.
Where do you reside and what companies have insured you? It should pretty much be spelled out in your insurance contract. And we're talking liability here, which is coverage for the other person's damages. You may be thinking of first party coverage, which your insurance won't pay you if you're at fault and you don't have collision coverage.
Although this story has some things that are questionable, everything about it is possible.
I'm in Missouri
I've been with Progressive and then Esurance
r u an insurance agent
:ohwow:
First party may be what I'm thinking of. See I never been in a collision so I wouldn't know how the process works. I've only heard stories from friends and familly of how difficult their insurance companies were with them after having accidents.
So you're going by hearsay and not any actual experience or evidence? Sounds about right.
i'm crying at the comments in this thread
Quote from: imani on December 11, 2016, 09:08:45 AM
v
There's nothing believable about this. Seek help luv.
:plzstop:
s
Quote from: Chokeme on December 11, 2016, 06:05:47 AM
Was texting and ran into the back of a suv
My license is expired and my insurance card is from 2013
The police officer was so nice. It was cold outside so he let me sit in his car until my friend picked me up
We listened to some Katy Perry
Long story short I didn't get a ticket and my insurance will pay for everything
:blessed:
ssssssssssssssssss
The audacity :dead:
I'm so offended you even thought anybody except Brocka would buy into this
(https://media.tenor.co/images/13533c7386f040d689310fd6d722ece4/raw)
Quote from: brocka4life on December 11, 2016, 11:54:26 AM
Quote from: Boomer on December 11, 2016, 10:35:05 AM
Quote from: brocka4life on December 11, 2016, 10:22:50 AM
Quote from: Boomer on December 11, 2016, 09:56:30 AM
Quote from: brocka4life on December 11, 2016, 09:13:55 AM
Quote from: Boomer on December 11, 2016, 08:59:45 AM
I'm sorr'
But how do u ram the back of someone and not get a ticket or have the driver of the SUV wanna lash u financially?
What's your insurance company? I want them if they pay for an accident that's your fault.
Umm...that's the purpose of liability insurance which is required in just about every state. :ATLcameo:
I mean...sure. But if you're completely at fault, they're not so quick to cover. At least any company I've been with.
Their job is to investigate what happened to determine if they (you, the insurance company) are liable. If so, they are responsible for paying , up to your policy limits. If they don't feel you were 100% at fault, they are them responsible for providing a defense for you - up to your policy limits. Depending on the state, and their specific laws concerning negligence, outcome of payment can differ.
Where do you reside and what companies have insured you? It should pretty much be spelled out in your insurance contract. And we're talking liability here, which is coverage for the other person's damages. You may be thinking of first party coverage, which your insurance won't pay you if you're at fault and you don't have collision coverage.
Although this story has some things that are questionable, everything about it is possible.
I'm in Missouri
I've been with Progressive and then Esurance
r u an insurance agent
:ohwow:
First party may be what I'm thinking of. See I never been in a collision so I wouldn't know how the process works. I've only heard stories from friends and familly of how difficult their insurance companies were with them after having accidents.
So you're going by hearsay and not any actual experience or evidence? Sounds about right.
Wtf...did I offend?
Actually knowing someone fail to collect on an accident that for sure wasn't their fault, plus watching enough court tv shows, doesn't that constitute as experience?
If it happened the way Choke' said, how often does it end like that? Where everything is covered despite it being your fault. 2 times out of 10? And if Ckoke' says his premium won't go up, then something's fishy. If that's always the case, we all could drive how ever reckless we want as long as we got
full coverage.
An insurcance company is gonna get out of paying anytime they can. They are a business. If u argue different, u must work for one
r u in PR
:diddraispoot:
The story sounded fake until you explained the "expired license" thing.
Glad you're ok, Hive baby sis.
Quote from: Boomer on December 11, 2016, 01:00:56 PM
Quote from: brocka4life on December 11, 2016, 11:54:26 AM
Quote from: Boomer on December 11, 2016, 10:35:05 AM
Quote from: brocka4life on December 11, 2016, 10:22:50 AM
Quote from: Boomer on December 11, 2016, 09:56:30 AM
Quote from: brocka4life on December 11, 2016, 09:13:55 AM
Quote from: Boomer on December 11, 2016, 08:59:45 AM
I'm sorr'
But how do u ram the back of someone and not get a ticket or have the driver of the SUV wanna lash u financially?
What's your insurance company? I want them if they pay for an accident that's your fault.
Umm...that's the purpose of liability insurance which is required in just about every state. :ATLcameo:
I mean...sure. But if you're completely at fault, they're not so quick to cover. At least any company I've been with.
Their job is to investigate what happened to determine if they (you, the insurance company) are liable. If so, they are responsible for paying , up to your policy limits. If they don't feel you were 100% at fault, they are them responsible for providing a defense for you - up to your policy limits. Depending on the state, and their specific laws concerning negligence, outcome of payment can differ.
Where do you reside and what companies have insured you? It should pretty much be spelled out in your insurance contract. And we're talking liability here, which is coverage for the other person's damages. You may be thinking of first party coverage, which your insurance won't pay you if you're at fault and you don't have collision coverage.
Although this story has some things that are questionable, everything about it is possible.
I'm in Missouri
I've been with Progressive and then Esurance
r u an insurance agent
:ohwow:
First party may be what I'm thinking of. See I never been in a collision so I wouldn't know how the process works. I've only heard stories from friends and familly of how difficult their insurance companies were with them after having accidents.
So you're going by hearsay and not any actual experience or evidence? Sounds about right.
Wtf...did I offend?
Actually knowing someone fail to collect on an accident that for sure wasn't their fault, plus watching enough court tv shows, doesn't that constitute as experience?
If it happened the way Choke' said, how often does it end like that? Where everything is covered despite it being your fault. 2 times out of 10? And if Ckoke' says his premium won't go up, then something's fishy. If that's always the case, we all could drive how ever reckless we want as long as we got full coverage.
An insurcance company is gonna get out of paying anytime they can. They are a business. If u argue different, u must work for one
r u in PR
:diddraispoot:
You didn't offend.
Standard insurance carriers are businesses. However they are held to the laws of the respective state's insurance governing body/agency and they have a duty to act in good faith.
I didn't make any mention of whether or not his premium will go up. I strictly spoke on the difference of first party and third party coverage and liability.
And "full coverage" has a very subjective definition. If I argue different, I just work for one? That's an illogical assumption. But ok.
I didn't say what I said at the end to offend. It's just that in this day and time, most people go off what other people have said without regard for the underlying facts. It's just the way of the world and social media.
You can watch all the shows, listen to all of the attorney ads, listen to all the people who have said what happened, but each state has their own laws and their own standard insurance contracts. Have you ever said down to read your auto insurance contract. It is just that...a contract. And if any insurance company breaches said contract, they can be sued and will pay heavily if they are found to be in breach of said contract.
But this story was made up it seems, so there's really no need to continue with this. However, most of the things I read in the original post could possibly happen.
Point taken