Quote:
Originally Posted by shadowhunter66
Sounds like they really took care of you! I had to fight with Geico over my accident and they pretty much threw me under the bus.. that's why I left as soon as my policy was about to renew.
I know it'll differ from person to person, area code to area code. I just wanted to get an idea of where people were at and gain some knowledge.. Learning about collectors insurance was worth starting this thread.
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Shadowhunter your accident was at-fault, they didn't throw you under the bus. Had the person hit you, they would be at fault, but because you "chose" to swerve and got into an accident your actions caused the accident, not the other persons. I forget the actual term but according to insurance law your actions caused damage. I am not saying it is fair, I am telling you how the law looks at this instance.
Let me give you another example. Hitting an animal will not raise your insurance, its a comp claim because "animals are unpredictable". If a deer runs in front of you and you hit them it is a comp claim and will not effect your rates. If you swerve, hit a pole and total your car, that is an at fault accident because your decision to avoid a situation caused the accident.
The moral of the story is if you have a choice to hit the person causing the accident or ditch. Aim for the idiot driver not the pole. That is what I took away.
-Former insurance agent.