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Did you go to all that trouble to lower your premium? Edit: I was on mobile and wanted to ask why they went to that trouble if the car insurance company was th

Did you go to all that trouble to lower your premium? Edit: I was on mobile and wanted to ask why they went to that trouble if the car insurance company was the same and it didn't matter who's fault it was. Didn't mean to imply it wasn't worth it.

donthellbanme 4y ago
smeej 4y ago
I didn't want an at-fault accident on my record when I wasn't at fault. That'd screw me for years, even though all I did was save a guy's life when he pulled out immediately in front of me (and hit a post instead). The problem was partially the fault of the police officer who wrote the report. She told me at the scene that she had never written a report for an accident where the at-fault vehicle had no damage before. She noted that there were no skid marks at the scene, so concluded my speed may have been a factor, totally ignoring the fact that the vehicle has ABS and it had been raining lightly all day. She also said I told her I knew I wasn't speeding, but I didn't know what the speed limit was. What I actually said was, "There are 3 speed limits on this stretch of road (I live on that road--I drive down it every day), 30, 35, and 40, and I don't know whether I was just before a change or just after one, but I'm certain I wasn't going more than 30." Turns out the pole I hit was 50 feet after the sign that changed from 30 to 35, and the CDR agreed I hadn't been going more than 30. And the driver of the car the at-fault driver was pulling around to get in front of me actually called the police station the next day to try to make absolutely sure they knew it was 100% the other driver's fault, because he had the perfect view on it and heard the guy say, out loud, "I can't see, so I'm just going to go." And even after the insurance commissioner got involved, GEICO wouldn't go below holding me 10% responsible for the accident, because when you're the judge of your own accident, apparently facts don't have to matter at all...except who has the higher deductible, so who you can get more from. It took more than 6 months to get through this garbage. I think they saw someone driving a 15yo car and assumed they had my back against a wall and I couldn't do anything about it. I happen just to be a superfan of the 2nd gen Prius for its climate controlled car camping potential (and generally just being one of the most well-made cars in history)! Finding them is my challenge, not paying for them!

donthellbanme 4y ago

smeej 4y ago

I didn't want an at-fault accident on my record when I wasn't at fault. That'd screw me for years, even though all I did was save a guy's life when he pulled out immediately in front of me (and hit a post instead). The problem was partially the fault of the police officer who wrote the report. She told me at the scene that she had never written a report for an accident where the at-fault vehicle had no damage before. She noted that there were no skid marks at the scene, so concluded my speed may have been a factor, totally ignoring the fact that the vehicle has ABS and it had been raining lightly all day. She also said I told her I knew I wasn't speeding, but I didn't know what the speed limit was. What I actually said was, "There are 3 speed limits on this stretch of road (I live on that road--I drive down it every day), 30, 35, and 40, and I don't know whether I was just before a change or just after one, but I'm certain I wasn't going more than 30." Turns out the pole I hit was 50 feet after the sign that changed from 30 to 35, and the CDR agreed I hadn't been going more than 30. And the driver of the car the at-fault driver was pulling around to get in front of me actually called the police station the next day to try to make absolutely sure they knew it was 100% the other driver's fault, because he had the perfect view on it and heard the guy say, out loud, "I can't see, so I'm just going to go." And even after the insurance commissioner got involved, GEICO wouldn't go below holding me 10% responsible for the accident, because when you're the judge of your own accident, apparently facts don't have to matter at all...except who has the higher deductible, so who you can get more from. It took more than 6 months to get through this garbage. I think they saw someone driving a 15yo car and assumed they had my back against a wall and I couldn't do anything about it. I happen just to be a superfan of the 2nd gen Prius for its climate controlled car camping potential (and generally just being one of the most well-made cars in history)! Finding them is my challenge, not paying for them!