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Got Hit By A Drunk Driver / What Happens After

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alkemyst said:
Do you carry comprehensive/collision? It's in the carrier's best interest to know when you had an incident.

Get in an bad accident today that's not covered under your policy..don't report it.

Get in a minor one tomorrow, then do...make a big claim.

It's clear you just don't know much.
Click to expand...

They can use it as a reason to drop you just like your employer can always fire you because you probably used the company internet for personal use once or twice. It's a policy that exists, but depending on carrier, may not be widely enforced.

To the letter of the policy, you should report it. I don't dispute you on that, and I do encourage people to follow the terms of contracts they've signed to cover their own asses. But it is unlikely that he'd be non-renewed for this.

Have you ever looked at the state statutes and DOI regs that govern cancellations and non-renewals? It's quite adequately described as a total mess, and in the policyholder's favor in all but a few states. Such is the regulation of state-mandated adhesion contracts.*

* Does not apply if you live in NH or pay the "self insure" fee in VA.
 
sjwaste said:
They can use it as a reason to drop you just like your employer can always fire you because you probably used the company internet for personal use once or twice. It's a policy that exists, but depending on carrier, may not be widely enforced.

To the letter of the policy, you should report it. I don't dispute you on that, and I do encourage people to follow the terms of contracts they've signed to cover their own asses. But it is unlikely that he'd be non-renewed for this.

Have you ever looked at the state statutes and DOI regs that govern cancellations and non-renewals? It's quite adequately described as a total mess, and in the policyholder's favor in all but a few states. Such is the regulation of state-mandated adhesion contracts.*

* Does not apply if you live in NH or pay the "self insure" fee in VA.
Click to expand...

Right...and it does happen usually when you need it most.

Trust me, in a major claim the insurance company will dig up EVERYTHING they can to not pay.

If you are a fuckup in life with nothing to lose, then by all means stretch your boundary.

If you buy insurance because even if not required you need it, then be smart.
 
alkemyst said:
Do you carry comprehensive/collision? It's in the carrier's best interest to know when you had an incident.

Get in an bad accident today that's not covered under your policy..don't report it.

Get in a minor one tomorrow, then do...make a big claim.

It's clear you just don't know much.
Click to expand...

I know it's better to not argue with a wall, so I'll let you believe whatever you believe.

sjwaste said:
Glad to see DV chimed in. Everything he said was what I would've told you as well. I have similar experience with, I think, a different company.

Use your UM/UIM coverage - that's what its for. That's why the premium on UM/UIM costs almost as much as your own Liab/PD.

I can't tell you if your rates will go up, but if your car is fucked, that is what insurance is for. If you weren't at fault, I can't imagine you'd see much of an increase, if any. My rates did not increase when I was 22 and rear-ended on an interstate during rush hour. I even let my carrier subrograte the claim - I never did get my $500 deductible back, but that was my only out of pocket loss.
Click to expand...

It's very unlikely that your rates will increase due to a not-at-fault accident, but it can. This is *usually* due to a loss of discounts, and not directly due to the accident increasing your rate. Every policy and situation is different though, so there might be cases where that isn't the case.


sjwaste said:
They can use it as a reason to drop you just like your employer can always fire you because you probably used the company internet for personal use once or twice. It's a policy that exists, but depending on carrier, may not be widely enforced.

To the letter of the policy, you should report it. I don't dispute you on that, and I do encourage people to follow the terms of contracts they've signed to cover their own asses. But it is unlikely that he'd be non-renewed for this.

Have you ever looked at the state statutes and DOI regs that govern cancellations and non-renewals? It's quite adequately described as a total mess, and in the policyholder's favor in all but a few states. Such is the regulation of state-mandated adhesion contracts.*

* Does not apply if you live in NH or pay the "self insure" fee in VA.
Click to expand...

Exactly.

You *should* report it if that is what your policy jacket (the big thing of paper your insurance company sends you that is the legal contact of the policy) states. That said, I have never seen a case where that is reason for non-renew. Also, if you're non-renewed you would be informed by mail, and your agent should also notify you. Not to mention that not paying a bill *should* be noticed by people (I know I would notice $120/mo now all of a sudden being there, or $720/half).

Once again though, you *should* report it to your carrier if your policy jacket states that you need to.
 
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DisgruntledVirus said:
I know it's better to not argue with a wall, so I'll let you believe whatever you believe.
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seriously?!?!?


So your company just pays out claims and does no investigation on them?

What's the company? As soon as this is known they will have to close their doors.

Are you in customer service there or just a support member?
 
alkemyst said:
seriously?!?!?


So your company just pays out claims and does no investigation on them?

What's the company? As soon as this is known they will have to close their doors.

Are you in customer service there or just a support member?
Click to expand...

I think in CA in excess of $500 damages is usually reported to the DMV/Insurance to prevent fraud.
 
Update:
I contacted my old insurance today just to fill them in, everything went very smoothly, we are giving the insurance till the end of the week this week to finally get the money over, as I contacted the adjuster and he said all he was waiting on was the DMV statement and he plans on getting that on monday, then we should be able to get the check on tuesday or wednesday since the adjuster lives in my town.

I planning having the old cars hood latch fixed so that it goes down, and the bumper fixed just so its not pulling down like it is now, and then selling as is for around $1000 for the old car.

I have a new car that I just got insurance under Geico under, and now since I am on my own policy (previous car was under parents insurance) things should go a bit smoother as well.
 
How do the cops not make an arrest for DUI? Wasn't there a car with no tires, damaged guardrail and another damaged car?
 
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