i got into an accident in the rain 3 years ago with some douchebag who tried committing injury fraud on a ~5mph bumper-bumper hit.

when i found out he was trying to fuck me for a $4000 medical check, i sent the claims adjuster an aim transcript where he's trying to coerce me into the scam and split the $4000 with him. he even says don't worry i've done this before, citing 4 medical checks for his last 7 accidents. i tell the fraud agent i can provide him with video footage of this guy go-karting 2 weeks after the accident if he needs it. the all-state guy says 'nah this should be plenty' and the insurance company never contacts me again.

recently i switched to mercury and for that accident in '03 i claim 1 point on my application. yesterday i find out from mercury's dmv check that my license was in fact dinged for 2 points on that day because all-state paid out a $1000 check for medical exams.

i call my all-state agent and she says if anyone claims injury on an accident, we are obligated to give them medical exams to test their health. those medical exams fall under injury pay even if they turn out negative.

i paraphrased and repeated what the lady just told me and asked her if that made any sense to her. all she said was that's just the way it is, all insurance companies do that.

so basically if anyone gets into an accident with you and *thinks* about claiming injury, as long as they pursue it to the point of medical exams, your license is automatically marked with a 2-point accident because the insurance company has to pay for the exam that proves they are full of sh it. fcuk ing incredible.

why is it this way? because the simple beauty of the system allows insurance companies to profit off fraud either way it goes. they paid out $1000 to conduct some tests. some hospital won. in return for that i have to pay an extra $2000 in premiums on a point that is on my license just to show someone tried to screw me. and you know what? they did! insurance wins.

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Last edited by R!CH on Sep-16-2006 at 00:16

dude rich thats not the only way they are fucked up. i have a bunch of no reg/ins tickets and the insurance company i JUST switched from used those to jack my rate up. i went with them cause they were the cheapest at the time when i got my car. i am now paying $80 less 3 months later. the new company doesnt bother with no ins/reg tickets and doesnt search the "clue" database. thank god cause i have an old accident from almost 3yrs ago and no dmv record.

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quote:

Originally posted by bas Dual exhaust tips on dual exhaust = QUAD EXHAUST = 300 gain in horsepower. Duh

quote:

Originally posted by bas Undies with a dickhole aren't good for guys. Your balls can get caught in them. That's why I prefer to go over the gate instead of through the fence.

pretty stupid, maybe some mescaline will help

quote:

Originally posted by chin0 pretty stupid, maybe some mescaline will help

ROFL

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quote:

Originally posted by bas Dual exhaust tips on dual exhaust = QUAD EXHAUST = 300 gain in horsepower. Duh

quote:

Originally posted by bas Undies with a dickhole aren't good for guys. Your balls can get caught in them. That's why I prefer to go over the gate instead of through the fence.

quote:

Originally posted by chin0 pretty stupid, maybe some mescaline will help

brb

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i have a friend of mine whose been in some shit like that, maybe worst.


the person works in downtown LA, so he parks his car in garage just like any other day. when he goes back to his car to return home, he sees someone left a note on the car saying "u hit my car, i am reporting it to ur insurance". this man gets frustrated and calls his insurance and notifies them about the case and the letter that he had no idea about. after all that, the insurance company says 'ok, dont worry'. 1 year later, he gets his insurance contract with a skyrocketed quote. this guy goes nuts and calls his insurance and tells them 'what is this about, why did it go up?' they respond 'well u had an accident with a porsche boxster a while ago that u were claimed responsible for'.

quote:

Originally posted by stefanoc i have a friend of mine whose been in some shit like that, maybe worst. the person works in downtown LA, so he parks his car in garage just like any other day. when he goes back to his car to return home, he sees someone left a note on the car saying "u hit my car, i am reporting it to ur insurance". this man gets frustrated and calls his insurance and notifies them about the case and the letter that he had no idea about. after all that, the insurance company says 'ok, dont worry'. 1 year later, he gets his insurance contract with a skyrocketed quote. this guy goes nuts and calls his insurance and tells them 'what is this about, why did it go up?' they respond 'well u had an accident with a porsche boxster a while ago that u were claimed responsible for'.

ouch!

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quote:

Originally posted by bas Dual exhaust tips on dual exhaust = QUAD EXHAUST = 300 gain in horsepower. Duh

quote:

Originally posted by bas Undies with a dickhole aren't good for guys. Your balls can get caught in them. That's why I prefer to go over the gate instead of through the fence.