Quote:
Originally Posted by Dezines
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.
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That part I actually know and wasn't what I meant when I said 'threw me under the bus.' When it came time for the claims rep to determine the value of my car.. now that's when things got heated. It was ridiculous trying to talk sense to them.
But yes, I know that I need to hit people instead of trying to avoid all together.. which seems kind of funny, but hey.