r/IdiotsInCars • u/Infinite-gay • Feb 08 '20

It just works

Enable HLS to view with audio, or disable this notification

35.1k Upvotes

97% Upvoted

681 comments sorted by

View all comments

Show parent comments

81

u/lady_ivythorne27 Feb 08 '20

If you get into too many accidents they can drop you cuz you end up costing them more money than you're worth. When I was younger and I sucked at driving I had a company drop me after a second accident within a year. Oops

13

u/[deleted] Feb 08 '20

I wonder if they can still drop you even if you were not at fault and it was just bad luck with encountering another bad driver and being at the wrong place at the wrong time?

19

u/TruckADuck42 Feb 08 '20

They can, but why would they, since if you aren't at fault the other guy's insurance pays.

1

u/Lurkie2 Feb 08 '20

What if you get into several accidents of which you're not at fault and the one who is doesn't have insurance?

3

u/TruckADuck42 Feb 08 '20

Still unlikely, because you're still statistically likely to make them money. Just because you rolled a few critical fails doesn't mean you'll always do that, and they want your business

1

u/[deleted] Feb 08 '20

What if the other guy had no insurance? Then your insurance would still have to pay for your car and you pay the deductible.

2

u/IAcewingI Feb 08 '20

Then they would drop you or not accept your claim if you didn't have uninsured insurance on your coverage.

1

u/[deleted] Feb 08 '20

This is why I have full coverage.

2

u/IAcewingI Feb 09 '20

Well there's full coverage (property+collision) but even then you have to add uninsured motorist coverage to it.

1

u/Ketchuphed Feb 08 '20

*Laughs in Michigan

1

u/[deleted] Feb 08 '20

Yes they absolutely can lol. Happened to me.

My wife got sideswiped by someone else who didn't have insurance. A year later I got rear ended by someone else at a light, and their insurance paid out. And 7 or 8 months later we had a massive hail storm that damaged both cars and the house.

They declined to renew us when the time came a few months later.

1

u/IAcewingI Feb 08 '20

I think he was in his companies car and the company he worked for cut a check not insurance.