Quote:
Originally Posted by MTCRX
Not to bee too harsh, but I don't really see how having the insurance company cover the damage for something stupid you did is really learning a lesson. A lesson would be if you paid for it all out of pocket and gave up something else in order to do this, a hardship. Insurance is not an extra bank account to fix things like this. It is meant to get a broken car back on the road and to cover liability costs in a REAL accident. Add up what you have paid to the insurance company so far for this car minus managing expenses, including paying the agent to file a claim. At this early stage I bet you haven't paid in the $2500 repair cost, so your insurance account is a loss for the company that will have to be made up by them elsewhere (others pockets). So don't abuse insurance, it is there for the really bad stuff, not scratches and dents. A be more careful next time. Join a racing, autocross, drift club and do these things the right way in a controlled environment.
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He's going to pay in the future because rate will go up. It doesn't matter how you slice it, if he has collision coverage they have to cover it.
Do you know how many time people go off the roads in snowy condition/aqua planning, and have to get their insurance to cover the damage? Should have they been there in the first place? Going too fast? Careless? The lines between accident and stupidity can sometime be thin. And what is a REAL accident? There is always 1 driver's who's at fault for lack of attention/careless driving...he's lucky he was the only one involved.