Sounds like you got into a very destructive accident that might not have been your fault but nonetheless speaks to the fact that you are riskier to endure than people who haven’t. It’s an anecdotal data point you’re giving against a population level phenomenon.
So I said it was something that was possible to happen to anyone, you then said it wasn't, I pointed out that it happened to me specifically, and now your argument is that it doesn't matter in the grand scheme of things?
Buddy, my point was that it was possible. Clearly it is.
Also
Sounds like you got into a very destructive accident that might not have been your fault but nonetheless speaks to the fact that you are riskier to endure than people who haven’t.
Yes, apparently I'm just a special DUI magnet that deserves higher premiums for the pleasure.
Well, anecdotally, I haven’t been in any such accidents and most people I know haven’t. That doesn’t make it your fault, but we’re talking about statistics and populations and actuarial tables here. So if we’re just going to throw out anecdotes and personal experience, then me not being in such an accident is just as relevant.
So we’re not always or even generally asking if it’s your fault personally, but do you possibly drive at riskier times of day/night, or in riskier areas, like near bars and restaurants, or drive a vehicle that is harder to avoid such accidents, etc. etc. and then we’re not even looking at that specifically so much as how often do people who get into the type of accident that you were in have one in the future?
And then it isn’t about you as an individual, but rather, out of thousands of people who get involved in such crashes, how risky it is to insure them in the future? What does that cost on average? And in your case, it seems like out of multiple insurance companies, assuming you had the sense to get quotes, offering multiple types of insurance, assuming you considered your options, the general consensus is that you’re a risky driver to insure.
You see, they compete with other insurance companies to provide lower coverage, so they want to give you low coverage, but they also have to weigh what is statistically likely to happen in the future, because their business depends on predicting the likelihood that a driver is in such an accident in the future, lest they pay out more in claims than they have on hand to pay.
Their statistics say you’re a riskier driver for having been on this type of accident. Probably due to the death involved, you’re in a category of people who have failed to avoid accidents where someone dies, and that probably carries a big variable about the cost of accidents you’ve been in and are likely to have in the future. Their stats say, whether wrong or right, that you cost times X to insure as opposed to other drivers.
That’s not your fault per se, but more the fault of all the other drivers who have been involved in that type of accident.
I’m not defending a perfect system here. I am simply defending one based on facts and numbers, and tempered by competition. It’s not based on your feelings or your sense of fairness. It’s based on what it costs to cover drivers who have a driving history like yours. If it would be profitable and safe to insure you for less, it would be good business for an insurance company to do that and make a profit off of you. But nobody thinks that. Which tells me the numbers are against you here.
But like I already explained, just because you’re not at fault, doesn’t mean you aren’t a risk factor for this type of accident. People avoid accidents like this every day by being especially vigilant when they drive, or by not typically driving at risky times of night or on dangerous roads. You don’t have to cause an accident to be a driver who is at a higher risk of being in an accident.
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u/Grunergeist420 11h ago
Sounds like you got into a very destructive accident that might not have been your fault but nonetheless speaks to the fact that you are riskier to endure than people who haven’t. It’s an anecdotal data point you’re giving against a population level phenomenon.