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Posted by ChemEnhanced on Jan-31-2007 13:50:

quote:
Originally posted by Superstring
Just contest.

Worst that will happen is you'll be forced to pay 1 year later. Best that can happen is ticket getting lost in the system or expiring (9 months or 1 year, is it?)

and that is exactly what is wrong with society....if you are at fault then suck it up and pay your fine.

People who fight speeding tickets when they know they were speeding piss me off the most.

Posted by devnull on Jan-31-2007 13:56:

quote:
Originally posted by ChemEnhanced
and that is exactly what is wrong with society....if you are at fault then suck it up and pay your fine.

People who fight speeding tickets when they know they were speeding piss me off the most.

if you had a chance to knock off a few bucks off a ticket and avoid getting demerit points ....would you do it ?

i would!

not our fault speed limits are too low! lol

Posted by Moral Hazard on Jan-31-2007 13:59:

quote:
Originally posted by ChemEnhanced
and that is exactly what is wrong with society....if you are at fault then suck it up and pay your fine.

People who fight speeding tickets when they know they were speeding piss me off the most.

I have to agree... if you committed the infraction and got caught then you need to accept the consequences. What ever happened to individual responisbility?

Posted by ChemEnhanced on Jan-31-2007 14:00:

quote:
Originally posted by devnull
if you had a chance to knock off a few bucks off a ticket and avoid getting demerit points ....would you do it ?

i would!

not our fault speed limits are too low! lol

No, if I am in the wrong then I suck it up and take my punishment..you know what the punishment is for speeding so if you can't accept it then don't speed.

Posted by Moral Hazard on Jan-31-2007 14:00:

quote:
Originally posted by devnull
if you had a chance to knock off a few bucks off a ticket and avoid getting demerit points ....would you do it ?

i would!

not our fault speed limits are too low! lol

I've received 6 speeding tickets in my driving life. I have never fought a single one because in all instances I was, in fact, speeding. Getting caught is a risk you take when you exceed the speed limit... if you're unwilling to accept the risk then don't speed... just that simple.

Posted by ChemEnhanced on Jan-31-2007 14:01:

quote:
Originally posted by Moral Hazard
I have to agree... if you committed the infraction and got caught then you need to accept the consequences. What ever happened to individual responisbility?

Come on this is North America...no one is responsible for their own actions....you should know that...being in the job you are in and all.

Posted by Moral Hazard on Jan-31-2007 14:05:

quote:
Originally posted by ChemEnhanced
Come on this is North America...no one is responsible for their own actions....you should know that...being in the job you are in and all.

from a statement taken just Monday...

MH - "so please tell me how the accident happened?"

driver - "well we were approaching an intersection and the light turned yellow, the guy in front of me stopped and I hit him... but it wasn't my fault, he should have gone through."

Posted by drgoodvibe on Jan-31-2007 14:28:

quote:
Originally posted by Moral Hazard
from a statement taken just Monday...

MH - "so please tell me how the accident happened?"

driver - "well we were approaching an intersection and the light turned yellow, the guy in front of me stopped and I hit him... but it wasn't my fault, he should have gone through."

U must get tons of crap like that..

Posted by Moral Hazard on Jan-31-2007 14:34:

quote:
Originally posted by drgoodvibe
U must get tons of crap like that..

I can count on one hand the number of people in the past year that have actually said "it was my fault."

edit - in fact, now that I think about it, I can still remember three of their names... that's how rare it is... out of hundreds of people I can remember the three that admited fault.

Posted by Superstring on Jan-31-2007 14:39:

Posted by ChemEnhanced on Jan-31-2007 14:41:

quote:
Originally posted by drgoodvibe
U must get tons of crap like that..

I had an insured who turned left infront of another vehicle and got hit and he said "Well, it wasn't my fault, if the other guy was looking where he was going he wouldn't have hit me."

Posted by drgoodvibe on Jan-31-2007 14:46:

Here's an idea for a research study.. do Insurance adjusters drive better then regular people.. ie. less tickets, accidents etc.. Probably done before i'm sure.

Posted by ChemEnhanced on Jan-31-2007 14:51:

quote:
Originally posted by drgoodvibe
Here's an idea for a research study.. do Insurance adjusters drive better then regular people.. ie. less tickets, accidents etc.. Probably done before i'm sure.

I wouldn't say they drive any better but I know from my own experience that I am more aware of what could happen every time I come to an intersection or come to a stop and I am always looking for those things. I have had two accidents..a single vehicle accident and someone backed out of a parking spot and hit me.

Posted by Moral Hazard on Jan-31-2007 15:02:

quote:
Originally posted by drgoodvibe
Here's an idea for a research study.. do Insurance adjusters drive better then regular people.. ie. less tickets, accidents etc.. Probably done before i'm sure.

I wouldn't say adjusters drive better... just differently. As Chemy pointed out, since we're more aware of what can happen we tend to look for those things. I'm usually looking to see what other people are doing or going to do and adjust my driving accordingly. That said, I'll also drive based on the fault determination rules - this is to say, if someone does something that may result in an accident for which I will not be at fault I take no evassive action.

Posted by Cosmic Fur on Jan-31-2007 15:06:

quote:
Originally posted by Moral Hazard
I wouldn't say adjusters drive better... just differently. As Chemy pointed out, since we're more aware of what can happen we tend to look for those things. I'm usually looking to see what other people are doing or going to do and adjust my driving accordingly. That said, I'll also drive based on the fault determination rules - this is to say, if someone does something that may result in an accident for which I will not be at fault I take no evassive action.

Don't you care about your car? Fault or no fault, if you get into an accident, a fixed car will never be quite the same as one that hasn't been in one.

Posted by ChemEnhanced on Jan-31-2007 15:08:

quote:
Originally posted by Cosmic Fur
Don't you care about your car? Fault or no fault, if you get into an accident, a fixed car will never be quite the same as one that hasn't been in one.

The key is to make sure you get the vehicle written off

Actually, by taking any sort of action to avoid that accident, you may cause another accident and be at fault for that accident.

Example - Other driver goes to make a left turn infront of my insured and my insured swerves to the left to avoid being hit and looses control and hits another vehicle stopped at the intersection. My insured is 100% at fault for hitting that stopped vehicle.

Posted by Moral Hazard on Jan-31-2007 15:10:

quote:
Originally posted by Cosmic Fur
Don't you care about your car? Fault or no fault, if you get into an accident, a fixed car will never be quite the same as one that hasn't been in one.

I do care, however, I've investigated far too many accidents where someone makes a dumbass move that may result in collision and another driver reacts to avoid resulting in a worse collision for which the reacting driver is now at fault. For example... I have one claim where a car started making a lane change on the 403... my insured swerved to the right in order to avoid the car changing lanes... my insured then lost control and rolled his vehicle. The end result was the insured suffered minor injuries, his passenger suffered major injuries, his truck was totalled, and the other vehicle (having not actually contacted my insured) drove away.

Posted by Ace_of_Spades on Jan-31-2007 15:22:

quote:
Originally posted by Moral Hazard
I do care, however, I've investigated far too many accidents where someone makes a dumbass move that may result in collision and another driver reacts to avoid resulting in a worse collision for which the reacting driver is now at fault. For example... I have one claim where a car started making a lane change on the 403... my insured swerved to the right in order to avoid the car changing lanes... my insured then lost control and rolled his vehicle. The end result was the insured suffered minor injuries, his passenger suffered major injuries, his truck was totalled, and the other vehicle (having not actually contacted my insured) drove away.

How do you know if that actually had happened and they didn't make it up?

So many people do make up stories in order to get off cheap.

For example I had 2 accidents in 2 days in Montreal couple of years ago and I made up some stories and told the insurance adjuster that I only had one.
If I didn't lie would be much worse for me. But it worked and I got off from the whole accident by only paying 500$, which had cost 4-5 grand.
And since in the second accident I had no fault my insurance rate stayed the same!

Posted by Cosmic Fur on Jan-31-2007 15:27:

quote:
Originally posted by ChemEnhanced
The key is to make sure you get the vehicle written off

Actually, by taking any sort of action to avoid that accident, you may cause another accident and be at fault for that accident.

Example - Other driver goes to make a left turn infront of my insured and my insured swerves to the left to avoid being hit and looses control and hits another vehicle stopped at the intersection. My insured is 100% at fault for hitting that stopped vehicle.

quote:
Originally posted by Moral Hazard
I do care, however, I've investigated far too many accidents where someone makes a dumbass move that may result in collision and another driver reacts to avoid resulting in a worse collision for which the reacting driver is now at fault. For example... I have one claim where a car started making a lane change on the 403... my insured swerved to the right in order to avoid the car changing lanes... my insured then lost control and rolled his vehicle. The end result was the insured suffered minor injuries, his passenger suffered major injuries, his truck was totalled, and the other vehicle (having not actually contacted my insured) drove away.

It's like you two are two versions of the same person.

Posted by ChemEnhanced on Jan-31-2007 15:28:

quote:
Originally posted by extacy_bomb
How do you know if that actually had happened and they didn't make it up?

So many people do make up stories in order to get off cheap.

For example I had 2 accidents in 2 days in Montreal couple of years ago and I made up some stories and told the insurance adjuster that I only had one.
If I didn't lie would be much worse for me. But it worked and I got off from the whole accident by only paying 500$, which had cost 4-5 grand.
And since in the second accident I had no fault my insurance rate stayed the same!

you are lucky that you didn't get caught...with car accidents nowadays a proper investigation is rarely done...they use telephone adjusters to handle the claims and its all about getting the file opened and closed as fast as possible.

I wouldn't suggest lying to the insurance company to often though...you'd be surprised at how much the insurance companies actually do know about you and your driving records.

Posted by ChemEnhanced on Jan-31-2007 15:28:

quote:
Originally posted by Cosmic Fur
It's like you two are two versions of the same person.

for awhile many TOTAs thought we might be the same person

Posted by Cosmic Fur on Jan-31-2007 15:30:

quote:
Originally posted by ChemEnhanced
for awhile many TOTAs thought we might be the same person

Well, I gotta say that from knowing you two, I'll always think of insurance adjusters as the people who do lots and lots of drugs and are proud of it. I bet if I ever have an accident and have to meet with my insurance adjuster, the whole meeting I'll just be wondering how much E he/she has done last weekend.

Posted by Moral Hazard on Jan-31-2007 15:31:

quote:
Originally posted by extacy_bomb
How do you know if that actually had happened and they didn't make it up?

For this particular example I had two independant witnesses that gave statements corroborating my insured's version of events (although that is rare).

Posted by Ace_of_Spades on Jan-31-2007 15:33:

quote:
Originally posted by ChemEnhanced
you are lucky that you didn't get caught...with car accidents nowadays a proper investigation is rarely done...they use telephone adjusters to handle the claims and its all about getting the file opened and closed as fast as possible.

I wouldn't suggest lying to the insurance company to often though...you'd be surprised at how much the insurance companies actually do know about you and your driving records.

Hopefully I will never get to deal with one again .lol.

On the side note I have learnt my lesson and rarely even go up the speed limit. I drive like an old man now :P

Posted by ChemEnhanced on Jan-31-2007 15:33:

quote:
Originally posted by Cosmic Fur
Well, I gotta say that from knowing you two, I'll always think of insurance adjusters as the people who do lots and lots of drugs and are proud of it. I bet if I ever have an accident and have to meet with my insurance adjuster, the whole meeting I'll just be wondering how much E he/she has done last weekend.

adjusters like to party...and party hard.

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