bmn
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Premium,ExMod 2003-06
join:2001-03-15
hiatus
| reply to major marco
Re: About time
said by major marco  :said by bmn :Sorry, and what's wrong with that? You've got your car repaired and your medical costs covered. Anything more would be frivilous Spoken by someone who obviously has never been injured/crippled by an idiot driver. No, someone who is sick of people causing rates to go up by getting ridiculously inflated rewards from lawsuits that the insurance company ends up paying out and in turn, passing on that expense to everyone.
If you want money beyond medical costs, lost wages and auto repairs, take the person to civil court. I'm tired of paying insane insurance rates because people think they deserve huge pain and suffering awards that are paid by the insurance companies.
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major marco
Res Firma Mitescere Nescit
Premium
join:2003-02-13
Stepford, CA
clubs:
| said by bmn :No, someone who is sick of people causing rates to go up [...] So you have been injured and/or crippled by another driver? I seriously doubt it. Not with your mentality. If you were sitting here in a chair knowing you'll never walk again because of an idiot driver you put you there permanently, you wouldn't be blithely complaining about your rates.
And BTW, 99% of all insurance claims are civil matters unless the driver was DWI or some other criminal liability. Whether the case is civil or criminal is largely irrelevant to your rates.
Don't preach to someone who has been permanently injured by someone else's negligence behind the wheel. As someone who was crippled for two years by an idiot driver and twelve years later, crippled again for another year by another idiot driver, I don't give two shits what your rates are.
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bmn
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Premium,ExMod 2003-06
join:2001-03-15
hiatus
| said by major marco :And BTW, 99% of all insurance claims are civil matters unless the driver was DWI or some other criminal liability. Whether the case is civil or criminal is largely irrelevant to your rates. As the little teenage brats say, "No duh"... But how much the payout is in all of those cases IS what affects your rates. The more grossly inflated awards that are given, the more rates for up everyone. A lot of the court cases out there are totally fraudulent too - malingerers look to get some cash (I know, as we did several studies on it).
Don't preach to someone who has been permanently injured by someone else's negligence behind the wheel. As someone who was crippled for two years by an idiot driver and twelve years later, crippled again for another year by another idiot driver, I don't give two shits what your rates are. And don't preach to me... I give a shit about my rates since its my damn money, not yours. I'm tired of paying out of the ass to cover the overinflated claims that are out there.
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Markus
join:2005-05-27
Middlesboro, KY
| Well said, badmagicnumber; I completely agree with all you've said here.
These days, people can't seem to accept that "shit happens". When some ill befalls a person these days, they immediately look for ways to exploit it beyond all bounds instead of taking care of it in a reasonable manner and moving on with their lives.
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Cabal
Premium
join:2007-01-21
Boston, MA
| reply to bmn
said by bmn :If you want money beyond medical costs, lost wages and auto repairs, take the person to civil court. You can't. That's how no-fault states work.
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bmn
? ? ?
Premium,ExMod 2003-06
join:2001-03-15
hiatus
| said by Cabal :said by bmn :If you want money beyond medical costs, lost wages and auto repairs, take the person to civil court. You can't. That's how no-fault states work. As no-fault was proposed when it was discussed in this state, if fault was assigned by a citation, you could not get from insurance company anything more than actual damages. If you wanted to sue for anything in addition to actual losses - pain and suffering, etc. - you would have to take the person to court on their own without their insurance company being involved. That way, the person responsible would be liable for any judgment and any court costs, not the insurance company who was not the one at fault.
Clearly this proposal was unique then... However, there must still be some way to sue the individual if you really need to.
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major marco
Res Firma Mitescere Nescit
Premium
join:2003-02-13
Stepford, CA
clubs:
| reply to bmn
said by bmn : I give a shit about my rates since its my damn money, not yours. I'm tired of paying out of the ass to cover the overinflated claims that are out there. I still don't give a shit about your rates. Idiot drivers who cripple other drivers through negligence should be sued until their assholes bleed.
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bmn
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Premium,ExMod 2003-06
join:2001-03-15
hiatus
| said by major marco :I still don't give a shit about your rates. Idiot drivers who cripple other drivers through negligence should be sued until their assholes bleed. Then take the driver to court and sue him, not his insurance company the case doesn't fuck everyone else's rates over. Damn, how hard is that to understand. 
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major marco
Res Firma Mitescere Nescit
Premium
join:2003-02-13
Stepford, CA
clubs:
| said by bmn :Then take the driver to court and sue him, not his insurance company the case doesn't fuck everyone else's rates over. Damn, how hard is that to understand. It's not hard to understand at all. What you aren't understanding is that drivers who are negligent and cripple other drivers usually don't make enough $$$$$ to cover the cost of a single day's stay in the hospital, nevermind cover 2 wks in the hospital, a 5 hr surgery to put back together a shattered tibia, and 2 yrs of PT after the fact. The idiot's insurance company, however, does.
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bmn
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Premium,ExMod 2003-06
join:2001-03-15
hiatus
2 edits | Actually forget it... The fact that you were a victim of an accident that left you severely injured makes it impossible to discuss this rationally. |
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81399672
Premium
join:2006-05-17
Los Angeles, CA
| reply to bmn
said by bmn :said by major marco :I still don't give a shit about your rates. Idiot drivers who cripple other drivers through negligence should be sued until their assholes bleed. Then take the driver to court and sue him, not his insurance company the case doesn't fuck everyone else's rates over. Damn, how hard is that to understand. You suing him=using his insurance company. His insurance company will defend him and if he is found at fault(guilty) then insurance company will pay out max under his policy and rest will be his responsibility. For example on my business vehicle i got 3 million insurance coverage. That means my insurance will pay up to 3 mil and anything beyond that is my responsibility
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