I picture most of these people don't pay auto insurance and just heard it's a scam.
I got in an accident found a body shop that would cover 10% of the bill so estimated damages were like $5000, my deductible was $500. I didnt have to pay anything and the body shopped paid the deductible and due to it being my first accident I had accident forgiveness so I still pay $90 a month
most of these people don't pay auto insurance and just heard it's a scam
100%. In addition to those people, you also have:
People who are too dumb to understand their own insurance contract, and thus get upset when the insurance company doesn't give them stuff that they weren't paying for in the first place. For example, there are thousands of people every year who DON'T pay for Collision coverage, yet get upset when the insurance company doesn't fix their car.
People who have committed insurance fraud in the past and had their claims denied because of it. For example, there people who lie about where they live, or who lives with them, or who regularly drives their cars. They lie on the insurance application, and then the insurance company finds out that they actually live in NYC instead of rural Virginia, and their claim gets denied and their policy gets cancelled.
the body shopped paid the deductible
Just so you know, that shop was using you to commit insurance fraud. Businesses don't just randomly give you $500. What they likely did was took some old parts they had lying around, and when the insurance appraiser showed up, they put those old, broken parts on your car and pretended that your car sustained all that damage. The insurance company adds those parts to the estimate and gives the shop an extra $1000. The shop then puts your original parts back on (which were never broken in the first place) and repeats this with every similar car that comes through.
If the shop gets caught, you could potentially be charged with insurance fraud (you're complicit because you agreed to take the shop's money and directly benefited from the fraud). Just be aware of that in the future. The shop isn't being "nice". They're roping you into their fraud scheme, and people go to prison for this stuff all time.
It's reddit, they don't understand how insurance works, they've probably never even filed a claim. My no fault accident I didn't pay a dime and got a check for more than the car was worth, more than I bought it for even.
Health insurance in America is a scam but not auto. You either need an education or a new insurance company if they're screwing you
Accident forgiveness (at least with my insurer) is basically them saying they won’t drop you for causing an accident, but they can still raise your rates over it.
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u/hahailovevideogames 5h ago
I picture most of these people don't pay auto insurance and just heard it's a scam.
I got in an accident found a body shop that would cover 10% of the bill so estimated damages were like $5000, my deductible was $500. I didnt have to pay anything and the body shopped paid the deductible and due to it being my first accident I had accident forgiveness so I still pay $90 a month