I mean the formal meaning is a mistranslation from Latin, and thus a language mistake anyway.
1 Like
That sucks dude. Last year I go to go out with my gf for dinner. Go to open my car door, it won’t open and then I notice it’s dented inward and that’s the reason. Had been at the casino until ~3 am the night before, hadn’t used my car so far today and now the drivers side door won’t open bc of damage on it. Call our landlord, there’s a camera pretty much pointing right at my car. You can see the moron teenager who parks beside me swipe me. Stoner kid who was in his car all day smoking because I assume he thought his parents wouldn’t know that way or something? Bring the video to our provincial insurance place, but they can’t find him at fault because the video doesn’t show who was driving the other vehicle clearly. jfc.
When they start attacking Europe? /s
This story is straight up insane. Is this some crazy Americans shit?
Here, getting rear ended is automatically the fault of the person who hits the car in front. Leaving any accident is against the law and comes with serious penalty. No exceptions.
Did you record the whole conversation on your phone? When I was in an accident last year I recorded our whole conversation on the voice memo feature on my phone. Didn’t even tell the other person I was doing it.
When my brother moved to the states he couldn’t believe how insurance works there. He asked for $2m coverage, which is standard here, and they thought he was from mars. Apparently people there have like $50,000 coverage! It’s crazy.
Sorry this happened. That sucks. Hopefully you get covered. At least you are ok.
Here if you have assets to protect you get a large umbrella policy which covers liability for car accidents, home accidents, etc.
But what about liability? It’s the most litigious country on earth yet people don’t carry much liability insurance? Or does the umbrella coverage protect liability too?
Yes, liability is exactly the purpose of the umbrella policies. They are commonly written for between $1mm to $10mm.
Interesting. So what is the individual car insurance for then?
There is some liability written into car insurance policies as well. When you get an umbrella policy, you are usually required to bring your car and home liability up to the max for each policy, and then the umbrella takes over from there.
But you are correct, most people have too little liability coverage. But most people also have no real assets so they don’t give a fuck. Live free or die (unless you’re scared of course, or brown, gay, a woman etc. etc.)
Makes sense. So not too different from here except for minimum amounts. Here everyone has at least $1m car coverage.
What’s happens there is someone hits you and has only like $50k coverage and your damages are $200k? Tough shit for you?
You can sue, but you know what they say about getting blood from a stone.
As a kid, I worked at McDonald’s with a guy who had plowed through someone’s brand new Mercedes.
1 Like
This. You can purchase underinsured or uninsured motorist coverage through your own insurance company, which provides coverage for your injuries in the event the other person doesn’t have sufficient coverage, but that’s somewhat rare and also usually only covers like 100k-200k. You can sue the person and go after their assets but obviously most people don’t have any of those. In any case your lawyer is taking 30-40% of it.
That’s nuts. We have a government program that kicks in if you are hurt by someone not insured. It has some issues but is certainly better than “tough shit”, especially when you add that the medical bills would be covered here anyway.
It’s so weird that such a large part of the population down there thinks this kind of safety net is bad.
https://www.mibi.ie/about-us.8.html
This is what we have in Ireland. Does the US not have something similar?
Our principal role is to compensate victims of road traffic accidents caused by uninsured and unidentified vehicles which is regulated by the MIBI Agreement 2009.
All companies underwriting motor insurance in Ireland must be members of MIBI, as provided for under Section 78 Road Traffic Act, 1961 and fund MIBI by means of payment of an annual levy contribution.
I suspect some states probably have a program like that, only because it’s such a no brainer, but I know that mine doesn’t and we’re pretty liberal.
We’ve got lots of funds like that for various forms of malpractice though, that are usually funded through licensing fees.
lol
A billboard went up recently near me pleading for donations to help somebody get a new kidney.
1 Like
Man did I just get pissed off reading that. Sucks dude.
1 Like
The really lol bit will be when your local news runs a feel good story about how great it is that people came forward and donated towards the new kidney.
2 Likes