08-19-2019, 07:35 PM | #29 | |
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He could wait for the more serious letters but he should be preparing while doing it. If it was a couple of hundred then ya I would agree but this is too high an amount to expect them to just give up. I also repeat that they are not "bullying" anybody. They are trying to recoup the loss in a standard business manner. If somebody owed you $8,000 would you not send a letter or make a call? Should insurance companies just write off thousands of dollars from every claim and then just up the premiums for everybody to make up for it?
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08-19-2019, 08:37 PM | #30 |
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These kinds of situations could probably be averted entirely if states would require reasonable mandatory minimum coverage and require insurance companies to accept them as full settlement in an accident. Obviously an individual would have the right to sue for more, but they would have to hire their own attorney and file a separate civil action.
Typically jury's do not award damages over and above a reasonable amount unless there is something like drugs or alcohol involved. |
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08-19-2019, 10:15 PM | #31 |
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Don't know what else you can do in your situation but hopefully you've learned the importance of rainy day funds and not cheaping out on car insurance coverage? You spent $13k repairing your car, you blew $9k at the Casino, and now your bank account is $100... Dude.
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la cocaina is not good for you ig: sad_fa20 |
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08-19-2019, 11:40 PM | #32 |
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***I'd recommend following the advice of what has already been laid out, but wanted to add one additional item.
You have your car insured, did you happen to bundle with a renter's insurance policy? Renter's insurance covers your personal property AND has coverage for personal liability. Depending on your state (check with your company), the additional funds you are on the hook for could be covered under a renter's insurance policy since you are personally liable. It's worth looking into if you have one. |
08-20-2019, 08:01 AM | #33 |
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08-20-2019, 09:56 AM | #34 | |
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Third Party Liability Coverage - This type of insurance covers you if you cause an accident that hurts or kills another person, or causes property damage to their car. Under FSCO rules, all Ontario drivers must carry at least $200,000 in third party liability coverage. For many reasons, a lot of people choose to carry more than this minimum amount https://www.myinsurancebroker.com/in...ce-in-ontario/
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08-20-2019, 11:50 AM | #35 |
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Canada isn't as sue happy. Also not as big on personal responsibility/freedom like the US.
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08-20-2019, 12:32 PM | #36 |
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yep I have seen your concept of "responsibility" (great example in a thread this very minute) and love the California idea of "freedom". You obviously are clueless about Canada and Canadians and our ideals.
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08-20-2019, 12:40 PM | #37 | |
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Their company name and representative is on the letter, but not like stamp or anything |
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08-20-2019, 01:00 PM | #38 | |
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08-20-2019, 01:04 PM | #39 | |
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Where did the $9K come up?
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08-20-2019, 01:07 PM | #40 |
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I don't think you're interpreting me as meant. Philosophically, no-fault insurance is offensive to a lot of Americans. Of course it's somebody's fault, they'd say. Just because no-fault makes everything easier, reduces suing, and costs everybody less doesn't mean Americans will give up their ideals. Plus the insurance companies and lawyers gotta make money, so they push that philosophy.
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08-20-2019, 01:11 PM | #41 |
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08-20-2019, 01:12 PM | #42 | |
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