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[pettypatty]

b

[KING BENTLEY.]

The man I hit was a vet and he had PTSD

The sirens and police lights kinda shook him up a bit 

ssssss

Thanks for the update

[brocka4life]

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. 

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


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.

[JRocka]

i'm crying at the comments in this thread

[como la whore]

v

There's nothing believable about this. Seek help luv.

[KING BENTLEY.]

s

[KING BENTLEY.]

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

ssssssssssssssssss

The audacity

I'm so offended you even thought anybody except Brocka would buy into this

[Ｂｏｏｍｚ]

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. 

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


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

[XXX.]

The story sounded fake until you explained the "expired license" thing.

Glad you're ok, Hive baby sis.

[brocka4life]

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. 

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


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

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.

[Ｂｏｏｍｚ]

Point taken

[GLOCK]

The story sounded fake until

d

[KING BENTLEY.]

v

There's nothing believable about this. Seek help luv.

ssssssssssss