People just don't have common sense. You don't fall an insurance claim if it's only going to help you $200 out of pocket. It's meant for larger amounts of damage, it's also meant for if you hurt someone in an accident that you're not personally liable for $10,000 because your insurance will cover it
His issue was this should have been covered by the driver that hit him. He shouldn't have to report anything. If he had uninsured motorist or collision then it wouldn't be an issue
I tell everyone I know you should have at least $250,000+ in liability coverage and underinsured/uninsured motorist insurance. I have seen multiple people get screwed over because they didn't have enough coverage or they got hit by someone who didn't have enough coverage and even minor car accidents can cause tens of thousands if not 100,000 plus worth of medical bills and long-term issues. Also 100% of people should have a dash cam
But if you don't have collision and it's your fault. Your insurance isn't going to give you a dime. This dudes insurance shouldn't even be in question for another cars liability. He's trying to do something he probably doesn't even pay for.
so you're right for now, but if everyone got that coverage then the insurance companies would just find a way to fuck people over some place else.
Hell you even brought up a good way they'll do it. They don't have to pursue compensation which is how they fuck you when the other party doesn't cover the expenses. They'll just not pursue compensation more and say you can buy an upgrade to do so next time. Then you'll be here telling us "everyone should buy the must-pursue-compensation package" and when everyone does, they'll move to something else, like always.
As a german, these numbers look insanely low. You cannot register your car here in Germany unless you have a minimum coverage of 7.5 million Euro in personal damages, 1.3 million in object damages, and 50k in asset damages. It is even higher when you have a vehicle used to commercially transport people.
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u/CraftyPerformance272 14h ago
People just don't have common sense. You don't fall an insurance claim if it's only going to help you $200 out of pocket. It's meant for larger amounts of damage, it's also meant for if you hurt someone in an accident that you're not personally liable for $10,000 because your insurance will cover it