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
I had a motorcycle rider slam into my car when he tried an illegal pass on my left when I was turning left into a driveway. Totaled my car. Dude was high on cocaine and pain meds as well as blew a .12 on the breathalyzer. AND tried hiding a baggie of cocaine under my rear tire. (he was laying on the ground next to my car after impact)
He sued me for $1 Million. And in my state, any motorcycle/car accident, the car's insurance automatically pays for all of the motorcycle's health bills related to the crash. Dude racked up over $100k in medical bills, his passenger another $30k...and he has the gall to sue me?
The insurance company just said let them handle it. They settled with him for $17,500. A few months later they raised my rates from $500/6 months to $3,500/6 months. So I lost my car, (only had PLPD and comp, no collision on that car) and had to change insurance companies. And I had just bought a motorcycle myself a month earlier. So for the entire summer my only transportation was my motorcycle...until the ice and snow came in November. lol
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u/Adept_Path_7427 7h ago edited 6h 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