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I’m naive to how American laws work, but why is Amazon involved at all? When a company car hit me, I got insurance information from the driver and then the ins
by Waterluvian 4y ago
I’m naive to how American laws work, but why is Amazon involved at all?
When a company car hit me, I got insurance information from the driver and then the insurance companies dealt with each other. I was made whole in days.
- piperswe 4y agoThat's how it typically works in America as well. I'm thinking the victim here didn't have collision insurance, so their insurance company wouldn't be involved in this claim.
- deleted 4y ago[deleted]
- nvahalik 4y agoEven if they did, it wouldn't matter unless they have what under most policies is considered "comprehensive coverage" (aka comp). Unless you buy a better policy, most jurisdictions only require you to have a collision/liability policy... where if you hit someone, the insurance company pays for the damages. If someone hits your car while it is parked, your insurance company would only be involved if the driver doesn't have insurance. And even then, ONLY if you have a policy which covers it. If it's a hit-and-run, and you don't have comp, you will be out of luck. (This happened to us once...)
- piperswe 4y agoCollision insurance and liability insurance are different. Collision insurance covers your car if you're in a moving accident, while liability insurance covers other people's property. Comprehensive covers your car if you're in a non-moving accident. In the US, I'm not aware of any states that require collision or comprehensive, though nearly all require liability. Lenders tend to require both collision and comprehensive though.
- Symbiote 4y agoI think the article is written for the anti-Amazon headline. It refers to "Amazon’s insurance company" partway through. (There is some responsibility for Amazon -- if they don't want articles like this, they should choose a better insurance company.)
- Waterluvian 4y agoIt scares me more to think that the auto insurer is being like this and not Amazon. Is everything a high anxiety uphill battle when it comes to insurance in the states? They don’t just profit by volume and are, ultimately, a very boring industry?
- nvr219 4y ago> They don’t just profit by volume and are, ultimately, a very boring industry? In my experience this is the case in America.
- jimmygrapes 4y agoIf you want to experience almost every negative emotion, look into hurricane insurance practices, procedures, and results in Florida.
- throwaway8689 4y agoI've had longer delays in the UK. My car was damaged by another driver. I sent my dash cam recording to my insurer and then both insurers dithered for months until I threatened to get the government ombudsman involved.
- zdragnar 4y agoI've had nothing but good experiences dealing with my home and auto insurance companies, though I've not had either my house or my car completely totaled.
- sokoloff 4y agoI’ve had nothing but good experiences with my insurance carrier (USAA) and nothing but outrageously poor experiences with other insurance companies of at-fault drivers.
- IOT_Apprentice 4y agoIt is an Amazon Delivery Truck, owned by Amazon, and insured by whoever they use. Whoever the insurance company was they were slow walking resolving this when it was clear they hit her parked car in her driveway. The Insurance company dropped the ball, and by going to Amazon it forced the hand of the insurer to pay up after burning 2 months of time.
- Waterluvian 4y agoTrue. This might just be a sloppy jalopy of an article. Insurer drops the ball. Get Amazon’s attention via a reporter and suddenly someone at Amazon is calling their counterpart at the insurer asking WTF?
- deleted 4y ago[deleted]
- WarOnPrivacy 4y agoFlorida allows self-insurance if you post a bond.
- Aloha 4y agoLarge companies are usually self insured by posting a surety bond with the state they operate in. In this case Amazon was their own insurance company - now if her insurer was involved or not is a matter of how she chose to approach the issue, and whatever coverages she has.
- Waterluvian 4y agoWow really? That sounds like a horrible setup. It would really help for an insurer to be at least arm’s-length from the fleet employer.
- pasc1878 4y agoWhy it just costs more. The insurers profit is removed from the issue. You only need insurance if the loass would materially effect you. Amazon and most Fortune 500 companies are big enough to self insure definitely for small amounts like motor. Often buildings are self insured and only put out for reinsurance if very big e.g. a whole skyscraper.
- BiteCode_dev 4y agoBecause insurers decide if who is at fault and to pay or not. This system is creating bad incentives since the entity at fault and the entity deciding who is at fault are the same on one side. The problem with American society, as your comment reflects, is that culturally every discussion always goes back to money. But money, while quite a good proxy for many things, reduces the human experience to a simplistic model. It's like game theory: beautiful in a lab, but a parody of life interactions IRL. You have to shape the system so that the emerging behaviors take in consideration justice, happiness, sustainability, etc.
- RHSeeger 4y ago> Because insurers decide if who is at fault and to pay or not. In my experience, insurers decide the other party is at fault, unless they are proven wrong. As such, there's no reason for a company to _not_ self insure, if they have the bankroll for it.
- ntac 4y agoIt's possible Amazon self insures. A lot of large companies do and in my experience, it's a nightmare for their victims.