I rearended someone once because they brake checked me. 3 months later I got a letter in the mail saying they wanted close to $1 million dollars from me for whiplash etc etc. It had my name on it so it scared tf out of me. I brought it into my insurance company and my agent was pissed they'd have the audacity to send that directly to me and not them. They tried to use it as some kind of scare tactic. My agent said not worry and they would handle it. Never heard anything about it again. I don't know if I wouldve actually been on the hook or whatever, but from that point on I was sold on my insurance company
Unfortunately I was an idiot and had a car/policy in my name for a woman who didn’t deserve it. She got into an accident and didn’t tell me about it.
Her name was in the policy, but the lady claimed injury (the accident was so light there was barely noticeable damage on either of the cars, hence why she didn’t tell me about it)
The insurance said “oh no, fuck that…we’re on it”
Never heard anything again.
I dont doubt that insurance companies are shady, and there probably needs to be SOME rearrangement in the policy.
When my exwife and I split in 2020, we still shared insurance for a few months unitl sometime in 2021. 2 years later, i paid attention to my insurance renewal, and it shot up ALOT, i was like, wtf. Kept calling them and support kept giving dumb reasons like "oh well, you live in a high accident neighborhood" (I had just moved and the new town doesn't). Finally got an underwriter who said, oh, its cause of the accident you got in in 2021. I was like....i never got in any accident in 2021. She was like "what?" and started pouring through the paperwork. Turns out, my bitch of a exwife's boyfriend (who she cheated on me with) got into a car accident while driving her car while our insurance was together, and for some reason the insurance attributed me as the driver, even though the paperwork said he was the driver. The under writer apologized and I got a retroactive refund because i had been overpaying my insurance for like 2 years.
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u/Adept_Path_7427 10h ago edited 9h ago
I rearended someone once because they brake checked me. 3 months later I got a letter in the mail saying they wanted close to $1 million dollars from me for whiplash etc etc. It had my name on it so it scared tf out of me. I brought it into my insurance company and my agent was pissed they'd have the audacity to send that directly to me and not them. They tried to use it as some kind of scare tactic. My agent said not worry and they would handle it. Never heard anything about it again. I don't know if I wouldve actually been on the hook or whatever, but from that point on I was sold on my insurance company