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Wrecked my Audi with less than 6000 miles :-)
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The only thing more stupid than wrecking your car, is posting in first Hot Deals and now having it moved to Off Topics. I'm sure some Audie Represenative or Insurance Claim Representative with the information listed would have no problem tracing down the repair work being done. Then they might have a few more questions. Have I missed something? They aren't banned from Anandtech are they?
Murphyrulez
Golden Member
No, I'm pretty sure he told his insurance agent that he was trying to be JAMES F*CKING BOND and pulled the e-brake at 40 mph so he could spin a 180. I don't think any insurance company would have problems paying for that claim.
right?
<edit>
Thank god I have State Farm insurance and not Geico
Contact Us!
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right?
<edit>
Thank god I have State Farm insurance and not Geico
Contact Us!
</edit>
Are you goddamn people fvcking stupid, or just slightly retarded? It isn't fvcking insurance fraud for what he is doing. Not even in the slightest. He'd have had to have done it on purpose. Goddamn, why post if you don't know what the fvck you are talking about? Why? WHY fvcking do that? Morons.
Early in the thread (like 15th post) he seems to imply that he lied to the insurance company about the circumstances surrounding the incident.[/quote]
Eh? I totally disagree with that. Someone tried to put those words in his mouth. Regardless, just because you act like a dumbass and do something like that doesn't mean insurance won't cover it, or that it is fraud. That's the bottom line of it all.
Murphyrulez
Golden Member
Hey Mill, why don't ya ask the man if he LIED to the insurance company about the cause of the accident.
Oh wait, here I'll do it for you. Hey Nanotech, did you happen to mention the fact that you pulled your e-brake at 40 mph trying to be JAMES F*CKING BOND to your insurance adjustor?
Now it may be just me, but I'd saying lying about the cause of an accident to your insurance company might be considered FRAUD.
But you keep on keeping on there Mill. That righteous indignation looks good on you!
You're a fvcking complete and total fvcking idiot. That's the gist of it all. When you move out of your parent's basement and actually have car insurance let me know. Point out where he said he lied AT ALL. He didn't. I think nanotech didn't something incredibly dumb but it wasn't insurance fraud in the least bit. How old are you? 14? 15? You've obviously got zero clue how insurance works. It doesn't matter if it was your fault, you were speeding, or he pulled the e-brake. They've got to cover him. It takes a lot for the insurance company to be able to wiggle out of not paying. FYI, actually have some experience and education about a subject before poppijng off at the mouth. Seriously.
Insurance fraud occurs when people deceive an insurance company or agent to collect money to which they aren?t entitled. Similarly, insurers and agents also can defraud consumers, or even each other. Insurance fraud can be "hard" or "soft."
Hard Fraud. Someone [/b]deliberately fakes an accident, injury, theft, arson or other loss to collect money illegally from insurance companies.[/b] Crooks often act alone, but increasingly, organized crime rings stage large schemes that steal millions of dollars.
Soft Fraud. Normally honest people often tell "little white lies" to their insurance company. Many people think it?s just harmless fudging. But soft fraud is a crime, and raises everyone?s insurance costs. Consider?
A car owner inflates a fender bender claim to cover her deductible, or she understates how many miles she drives annually to lower her auto premium? A homeowner inflates the value of his stereo equipment stolen during a robbery? Or a printing business lists fewer employees than it really has in order to pay lower workers compensation premiums.
Where in there does it say it is fraud to drive like an asshole? Nowhere. It might cause my premiums to rise, but it IS NOT fraud. He wasn't trying to inflate his claim, nor did he stage the wreck for personal gain. Fraud requires some type of gain, and I fail to see how he'll gain jackshit over this. The loss of value of his car will totally offset any gain he'd have received from his new wheels, but regardless it wasn't staged so that he could get the wheels.
Source
Hard Fraud. Someone [/b]deliberately fakes an accident, injury, theft, arson or other loss to collect money illegally from insurance companies.[/b] Crooks often act alone, but increasingly, organized crime rings stage large schemes that steal millions of dollars.
Soft Fraud. Normally honest people often tell "little white lies" to their insurance company. Many people think it?s just harmless fudging. But soft fraud is a crime, and raises everyone?s insurance costs. Consider?
A car owner inflates a fender bender claim to cover her deductible, or she understates how many miles she drives annually to lower her auto premium? A homeowner inflates the value of his stereo equipment stolen during a robbery? Or a printing business lists fewer employees than it really has in order to pay lower workers compensation premiums.
Where in there does it say it is fraud to drive like an asshole? Nowhere. It might cause my premiums to rise, but it IS NOT fraud. He wasn't trying to inflate his claim, nor did he stage the wreck for personal gain. Fraud requires some type of gain, and I fail to see how he'll gain jackshit over this. The loss of value of his car will totally offset any gain he'd have received from his new wheels, but regardless it wasn't staged so that he could get the wheels.
Source
Murphyrulez
Golden Member
That's funny, because I'm pretty sure that if I would happen to set my car on fire with a flamethrower, then tell my insurance company that it was an electrical malfunction, I WOULD BE COMMITTING INSURANCE FRAUD.
Oh and I'm 32 years old, own a house and 2 cars, and I would bet my life that I make more money than you do.
When did he set his car on fire? :roll: So you're saying he premeditated his wreck? :roll:
BTW, I'm 21, I own a house(brand new), own two cars(one's an 2002 Audi A4 Quattro and the other is a 2000 Mustang GT with about 60k+ in mods on it), and I know that I make more money in a year than you do. Not sure why you felt it was necessary to bring money into it, but if you want to play that game you'll lose. You're making it into a penis fight over money, when the fact is I brought up you're age simply because I can't believe someone over the age of 12 would be so clueless when it comes to insurance. Honestly, I'd rather not turn this into a penis fight with you. I said what I said about age because your idea of insurance is naive, ignorant, and possibly dangerous. Let me spell it out in simpleton terms for you:
His wreck was an accident. Foolish? Sure. Dangerous? Sure. Illegal? Sure, but so is SPEEDING. Setting a car on fire for the purpose of of collection insurance WOULD be premeditated. "Someone deliberately fakes..." He didn't do that. It wasn't faked. "to collect money to which they aren?t entitled." He's entitled to the money. IT WAS AN ACCIDENT. He paid his premiums like the rest of us. ACCIDENT. It wasn't intentional, and there was no way it would make sense for him to stage it, unless he said he did it to total the car. In which case it STILL wouldn't make sense, because the book value on his car would probably be less than what the insurance company would give him. The only way this makes sense would be in the case of someone trying to prevent financial ruin or some other scheme.
Summary: Tell me how he's going to defraud the insurance company? How was it a deliberate wreck? How will he have financial gain? If anything a wreck is going to HURT the value of his car, especially if it gets reported to Carfax, which it probably will sense it was towed to a dealer and had an insurance claim made on it. You have to PROVE that what he did was to defraud. It doesn't make logical sense. Show me the intent in his post. Show me where it was done deliberately. There's nowhere in this thread where you can find that. Anything else is pointless conjecture on your part that you probably pulled out of your ass.
Post something logical to prove your point or shut-up. That simple.
Legendary
Diamond Member
I'm 22
<blockquote>Quote
Originally posted by: KingNothing
I'm surprised your insurance is covering something that is clearly your fault, especially since doing 180s on a public road seems illegal.
Make sure the dealership checks for suspension/alignment damage, when I hit a curb after spinning out on some ice I had to install camber plates on two of my wheels to get them back in alignment.[/quote]
No comment on your first statement; however, I have already spoken with the mechanic who will be performing the above mentioned tasks and he provided me with confidence that it will be put back to the state it was before the incident.
"Don't sweat the small stuff, and it's all small stuff" 🙂[/quote]
Ah. And what story did you feed your insurance agency about what happened?[/quote]
I think the confusion stems from this post - if anyone wants to find it. Apparently a "No comment" is taken as an admission of guilt, which, thankfully, in this country, it is not.
Oh, and I still don't see how "making money" or owning two cars would make you any less naive. There's plenty of people out there that are in their 40's that are clueless about insurance or many other subjects. Do you think Donald Trump has a working knowledge of UNIX simply because he's rich? I think your argument there was silly. How much you make or own is not going to make you "smarter" or make your point more valid in a case like this. I simply asked how old you were because I was incredulous at your Urban Legendasque view of insurance.
AlienCraft
Lifer
Mill, buddy, easy now. You don't know what exclusions or conditions are in his Insurance policy, either do you? Given that there may be language in there limiting the Insurance Co.s liability during reckless driving and his subsequent "modifying" of the facts, there may in fact be fraud involved. My issue with Mr. 180 is the fact he did it on a public road. It's always the car "I didn't see" that screws the pooch.
He could set it on fire for all I care, as long as he doesn't try to say "It just happened." Unjustly being enriched by dumbass actions is not honorable, no matter what.
PS. It would be an error of youth to claim that us over 40's are clueless without some sort of disclaimer in there.... 😉
AlienCraft
Lifer
I'll bet if you take the time to actually read your policy, you may find exclusions you didn't know existed. For instance, did you know that 100% of all policies can be rendered void if you're transporting illegal firearms, drugs, drug lab equipment, etc. or operating the vehicle while intoxicated? Read carefully my friend, insurance is not a free ride, by any means.
AlienCraft
Lifer
No, generally the exclusions are reserved for High Misdemeanors and Felonies. It removes the potential for recovery by the victims of those crimes and unjust enrichment by someone involved in criminal activity.
Maybe your policy but not mine. I know that mine will cover DUI and other things. Not sure about drug lab equipment, but I don't remember reading that in the policy. I'd have to pull it out and re-read it, because last time I looked was when the policy was amended about 6 months ago.
AlienCraft
Lifer
I'll bet there's a limit to how many DUI's they will cover you for and to what extent the coverage will be. To dis allow all coverage during a DUI might be construed as a Bad Faith Breach, unless there is a waiver you signed.
I'll bet when you re-read it and get back to us, there will be exclusions you didn't think were there. I've been looking (albeit half heartedly) for mine for examples.
No matter, I know I'm right. I've read enough Insurance policies in my 31+ years of paying for insuring myself. It always surprised me what they would put in the exclusion list..... Illegal firearms or acts of sedition LOL, like a revolutionary would be filing a claim for comprehensive damage incurred during an uprising against "The Man". Insurance companies are loath to part with their money, oops OUR money. They will create ways to retain it. There is no such thing as a Free Ride in today's economic climate.
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