Quote:
Originally Posted by ottopilot
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.
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Only those directly involve know if it was a real accident or not. Sure if the car went off the road and had damage the insurance company will fix it. But does a clear conscience say that messing around like that was the right thing to do. If you slide off a snowy road even though you are trying to avoid that is one thing. If you go out and intentionally break traction; well, I don't think the insurance company had that in mind. Of course a pattern will probably develop from claims, that is why 20-30 year old males pay more insurance. And believe me I do not have any love for insurance companies, they are a necessary evil. But statistics of accidents are used to determine rates, and these incidents will show up in a particular category. They aren't intending to cover ****ing around. That should be on your own dime.