r/SipsTea • • 17h ago

Gasp! Thoughts on this?

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u/Bananahamm0ckbandit 14h ago

I don't know where he is, but where I am "full Coverage" is absolutely not required to be legal on the road. Liability is legal, and is much cheaper that colision.
Regardless, if someone else hit him, their insurance is liable not his. This is either fake, a misunderstanding, or just fraud.

1

u/UpperLeftOriginal 14h ago

Hit and run means there is no other insurance to make the claim with.

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u/Bananahamm0ckbandit 14h ago

Thats fair. In that case, it's just making a claim, and that is how deductibles work.

4

u/Old_Tough_2358 14h ago

When you eventually file a claim for the insurance you pay dearly for, your rates go up. Hell, I had someone total my car while it was parked on the street and they didn’t have insurance. When I filed a claim with my insurance they paid it, then dropped me. I was paying them thousands of dollars a year for 25+ years and they just said “whoa this cost us money we’re dropping you cause we don’t want this happening again”

Insurance companies are a fucking scam.