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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.

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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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.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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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.

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I'm the trouble starter, fuckin' instigator.
I'm the fear-addicted, danger illustrated.

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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.

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quote:

Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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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.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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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!

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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.

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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.

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I'm the trouble starter, fuckin' instigator.
I'm the fear-addicted, danger illustrated.

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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.

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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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

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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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.

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I'm the trouble starter, fuckin' instigator.
I'm the fear-addicted, danger illustrated.

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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).

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down