Honesty is not always a good thing.

Jadeite · Post by **Jadeite** » 2003-08-26 07:13pm

I finally got my license today, and me and my mother went to the insurance company. The woman who we met with was the type that looks and acts naturally trustworthy, and was pretty friendly. She handed me a sheet of paper with statements on it, such as "I have never had my license suspended", and things like that. She told to go over and make sure it was accurate, and then sign it. I got to the bottom question about family members and wrecks, and looked up at my mom, and asked "does you getting rear-ended by that idiot a few years back count?" Then I found out that by asking that, I had voided the accident-free discount on my insurance rate, and a couple other discounts as well, even though it wasn't her fault the guy wasn't paying attention, and that I had nothing to do with it.

I feel rather stupid right now, and I'm pretty pissed off, because I'm usually a pretty trusting person, and disguising a questionnaire as a personal information sheet seems pretty low.

Post by **Dalton** » 2003-08-26 07:16pm

Are you surprised at an insurance company fucking you for as much money as they can possibly suck out of your wallet?

Alyeska · Post by **Alyeska** » 2003-08-26 07:21pm

Insurrance companies are never allowed to void or raise rates or deals when the accident is not your fault.

Andrew J. · Post by **Andrew J.** » 2003-08-26 08:10pm

Alyeska wrote:Insurrance companies are never allowed to void or raise rates or deals when the accident is not your fault.

Uh, they just did, apparently.

Montcalm · Post by **Montcalm** » 2003-08-26 08:16pm

Alyeska wrote:Insurrance companies are never allowed to void or raise rates or deals when the accident is not your fault.

I think it depends on the insurance company,some of them don`t freaking care if you did`nt cause the accident,they`ll make you pay more anyway.

Axis Kast · Post by **Axis Kast** » 2003-08-26 10:43pm

Insurrance companies are never allowed to void or raise rates or deals when the accident is not your fault.

They might have denied him pending temporary investigation.

Most accidents these days have a certain "percentage of blame" assigned to each individual vehicle; there's less leeway for the driver who is "hit" these days, on the logical basis that he or she could often have driven more cautiously themselves.

Jadeite · Post by **Jadeite** » 2003-08-26 10:49pm

They might have denied him pending temporary investigation.

Most accidents these days have a certain "percentage of blame" assigned to each individual vehicle; there's less leeway for the driver who is "hit" these days, on the logical basis that he or she could often have driven more cautiously themselves.

In this case, my mother was sitting at a red light, and the guy behind her wasn't paying attention.

Axis Kast · Post by **Axis Kast** » 2003-08-26 10:55pm

In this case, my mother was sitting at a red light, and the guy behind her wasn't paying attention.

Then I'm not sure what to tell you.

Perhaps your mother can call and attempt to speak to management or a customer representative?

Especially if the accident occured before division of blame was a common affair - and even if it were then, your story seems to indicate 100% fault for the other driver -, you might be able to get some of those discounts.

Alyeska · Post by **Alyeska** » 2003-08-26 11:07pm

Division of blame is bullshit. Sure you can argue that had Person A been paying attention he could have swerved to avoid oncomming trafic IN HIS LANE, but its still the other persons fucking fault they were in the wrong lane and hit the poor guy.

Axis Kast · Post by **Axis Kast** » 2003-08-26 11:11pm

Division of blame is bullshit. Sure you can argue that had Person A been paying attention he could have swerved to avoid oncomming trafic IN HIS LANE, but its still the other persons fucking fault they were in the wrong lane and hit the poor guy.

I said that it might have been the issue (before having been told of the whole scenario), and later acknowledged that it was unlikely.