David

What?

That's not what uninsured motores coverage is for.
If you hit someone and it’s your fault and the other person is hurt after their done treating for their injures then they can ask your insurance for a pain and suffering settlement. This settlement is not for their medical bills just pain and suffering. The insurance company has already paid for the property damage. Now lets say you don’t have insurance but the person you hit has property damage and bodily injures. Then their insurance will pay for the damages under their collision coverage less the deductible. Then they have to file what’s called UM/UIM claim for their BI settlement with their insurance company. After their insurance company paid out all this money then they go after who ever was at fault. That’s right just because someone does not have insurance does not mean they get off the hook. The insurance company can go after the at fault party of 100% of what they paid.

David

you're work the night **** again.

frist I never said he was at fault. I know that he got rear ended. I was triing to show you what uninsured coverage is for. because it has nothing to with the collision it's only for BI.
Yes I am an adjuster and I do auto claims.

Farsyde

damn 9300 bux!!!! Is you car even worth that much?

hihoslva

Only part of this is true - your premiums CAN and WILL go up due to your driving record, regardless of fault.

ANY accident that goes thru insurance (even the OTHER guy's insurance) is put on your driving record (the record used by the ins. companies, not the DMV).

Sorry, but you ARE penalized for being unlucky.

~HH

hihoslva

And for what a lawyer will charge you, you are better off just dealing with any increase in premiums.

Besides, it's insurance standards, and just the "way it goes". If you're a higher-risk person, they charge more. And unlucky equals higher risk, regardless of fault.

Your fight would be on principle, and not to save money - cuz you wouldn't.

~HH

David

this is high risk. He pay lets say $1500 a year for insurance and his insurance company just paid out $9300. So the insurance company lost money on him. He is now high risk. kind of.
Man the insurance underwriters set how much they charge by how high the risk is. lats say you fourty years old marred, have three kids and live 1/4 of a mile from work. Plus the town you live only has around 5000 people. You will pay, yearly for insurance next to nothing. Now lets said every thing is the same but you live in Queens, NY. You'd pay like 3000 more a year.

David

he got hit didn't he. Look I know that it sucks but it's true. He "might" be high risk now, and it sucks. oh well, there is nothing you can do.

you said that he should hire an attorney well I'm going to say this once. that will not do **** for you.

hihoslva

It's not that his "risk" factor has necessarily gone up, but like was previously said - the ins. company just had to pay him, and they don't like it one bit.

Unlucky IS considered more risky. If two guys who have the same cars, live on the same block, have the same DMV record, and the same life status (age, marital status, etc. - basically, two theoretical identical people) apply for insurance from the same company, and one guy has zero accidents, while the other has 5 wrecks where he was 100% NOT at fault for all of them, the guy with the wrecks WILL pay more. Your record is held against you, even if you had no fault in your accidents.

Furthermore, your record is held against you when you ARE at fault, even if the insurance company PAYS NOTHING - that was my case - tiny little mirror bump, I paid the $150 bill out-of-pocket, but my rates went up anyway.

It's just the way it is.

~HH

David

hihoslva, you most work in insuracne too.

hihoslva

Hehe - not even close. I just pay CLOSE attention when someone wants more money from me

I realized how it all works when I had that little mirror bump I mentioned. $150 to fix the guy's mirror, and $200 increase in my insurance because he reported it to them - even though I told the ins. company (and proved to them) that I paid it out-of-pocket.

~HH

5SpeedP5

Who says there is nothing you can do? just because thats what you think there are many ways you can fight the bullshit that these companies make us put up with. Because of this sort of thing my friends insurance went from 80 bucks a month to 350 a month after two ******** swerved an hit him totalling two of his parents cars, of which neither where his fault. and another running a red light and flipping his car causing him to literally have his face cut off. 4 months in the hospital because of all these uninsured ********, and 1million dollars worth or surgery and crap later... sure hes ok now, he can drive again, but he has lots of scars and loss of feeling in much of his head. Also now he is forced to pay higher insuranec for no reason.

now tell me that isnt bullshit. i say hire a lawyer and fight this *******... sue him for what he has and make him pay for damages.

hihoslva

Yep - but that still won't do **** for your insurance rates.

The only leverage you have against an insurance company if you're not happy with your rates is to tell 'em you'll go somewhere else. Like they give a **** anyway - if you're what they consider a high or medium risk, they don't want you anyway.

You can't fight your insurance rates - end of story.

~HH

tonkabui

sheesh guys! thanks for the info, but you guys are at each other's throat over nothing! my pemiums, according to progressive, shouldn't go up "too high" since i was not at fault. it still means that i will get an increase though. that's for the next six months. but when it comes time to renew after the next six months, i will probably get anally violated. i live in tucson now and it's the 6th highest car theft city in all of the united states. i was already paying $1300 for six months because of that reason as well as me being under 25, single, and male. now i have an accident to go along with that. the insurance company doesn't care if it was my fault or not, i just so happen to fall into their stereotyped group of dangerous, young, single, male drivers. it sucks, but that's the way it is.

and to those who wished bad things on the people who hit me: they didn't look very well off. they had 4 kids in the back of that truck, and luckily, they were all okay. i would not want to make their children go hungry or go cold because their parents made the mistake of hitting the back of my car. sure, it sucks for me, but i am pretty sure they didn't do it on purpose. sure, i might be able to sue them for all they are worth with a lawyer, but it still won't make my premiums any less. all that will accomplish is take food from those kids and clothes off their back. i don't think my conscience will allow for that, especially when it's over a car. keep that in mind people... it was just a car. my claims agent is supposed to get back to me when she gets in contact with them either physically or over the phone. if the insurance company wants to sue those people, go for it. but i will have no part in it.

i got quoted from 21st century (saw their commercial on tv) for a little under 1500 for 6 months even with my accident, so if progressive is going to be more than that, i'm jumping ship. now every chill out, please! i'm sorry for asking...

hihoslva

Tucson, huh? I'm gonna be out there in two weeks!

My wife and I are probably moving to AZ - we're gonna visit some family in Tucson, and I have a job interview in Phoenix. Most likely, we will look to move near Phoenix, hopefully one of the nicer suburbs.

If all goes well, I will have a job and an apartment by the time my 1 week visit is over.

~HH

tonkabui

hihosilva,

hope i'm not too late! didn't see your post till right now. are you still in town? let's get some coffee or something!

anyway, here's an update on the accident issue:

got my car back last week and it's been sweet. they did a really good job on it. i'll post before and after pics of my car soon. anyway, the bitch who hit me is running from my insurance company. she gave the cops an invalid address, so she probably didn't even get cited for driving with no insurance. and of course, she's not answering my insurance company's phone calls. good thing is, on the police report, the cops were able to gather her social security number. hopefully, she'll get tracked down soon enough. she owes my insurance $9300. and she owes me $500 for my deductable.

it's one thing to not be able to afford insurance and fess up to your mistakes... but this woman has made me lose sympathy for her and her kids. she hasn't even called them back yet. and on top of that, she knew full well her address was a fake. dammit. some people. oh well. i got my car back, so i'm happy.