ST Alpha - "So if I'm sitting in my car at traffic lights and a guy ploughs into me, *my* insurance premiums go up?!" (Reading a Post)

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So if I'm sitting in my car at traffic lights and a guy ploughs into me, my insurance premiums go up?!

Posted by Loyola Jul 6 '09, 07:45

*lights torches*

Responses:

hell, is it my fault that a stone bounced and broke my windshield? should my rates go up? - zork Jul 6, 07:53 6
- Windshield insurance is a totally different beast, IMO. -- nm - Subversive Jul 6, 07:56
- Yeah but the stone, while being at fault, doesn't have insurance. The driver who's at fault, does. -- nm - Loyola Jul 6, 07:54 4
  - That's why you've got that Uninsured Pebble insurance. -- nm - Ender Jul 6, 08:02 1
    - :) -- nm - Loyola Jul 6, 08:04
  - I demand insurance for stones!!! - Cuzzin Todd Jul 6, 07:59 1
    - :) Also, you can't sue stones if they cause you injury. Like if a stone assaulted you, even if they get 5 years jail, they just don't care. -- nm - Loyola Jul 6, 08:03
Depends on your history and the carrier. nm - Jim Jul 6, 07:46
Depends on the company I guess. I got plowed into (driver didn't stop coming out of a parking lot as I drove by) and because I wasn't at fault - Cuzzin Todd Jul 6, 07:46 8
- Fault should be determined by state law, not insurance companies. -- nm - loosilu Jul 6, 07:46 7
  - Just like medical care should be determined by a doctor and not insurance companies? -- nm - Cuzzin Todd Jul 6, 07:47
  - HAAAAAAAA!! - Epiphany Jul 6, 07:47 5
    - so if it's a rear end, how can it be your fault? -- nm - loosilu Jul 6, 07:48 4
      - You should always be paying attention to the space around your car....if you see them coming behind you, you move up or over if it safe to do so.... - Walt_Disney Jul 6, 07:58 1
        
        A ot of the time there is nowhere to go. - Subversive Jul 6, 07:59
      - several ways - say a person pulls out in front of a car going 65 on a highway - they have time to get out there and get in the lane but is it safe to - Epiphany Jul 6, 07:50
      - Driving at night with broken taillights rendering you invisible to cars coming up behind you. -- nm - Cuzzin Todd Jul 6, 07:48
maybe -maybe not - depends on who you have as insurance -- nm - Epiphany Jul 6, 07:45 13
- that makes no sense. either it's your fault or it's not. -- nm - loosilu Jul 6, 07:46 12
  - no-fault insurance, baby. -- nm - mafic Jul 6, 07:50
  - It's not always that black and white with one person totally at fault for an accident. -- nm - Cuzzin Todd Jul 6, 07:47 10
    - oh, I know. I'm just saying, hypothetically, it is not your fault. -- nm - loosilu Jul 6, 07:47
    - No, but in a rear ender it is. -- nm - Subversive Jul 6, 07:47 8
      - not always - sorry but true. - Epiphany Jul 6, 07:49 7
        
        Can we agree that in tfox's case it is clearly not his fault? - Subversive Jul 6, 07:50 6
        
        Hells yeah we can agree to that. Something else as an aside - Epiphany Jul 6, 07:55 2
        
        Nah, I'm golden (other than the bit of flu I caught at camp, but I don't think collisions can cause the flu.) -- nm - TFox Jul 6, 07:56 1
        
        Better sue, just in case. -- nm - Subversive Jul 6, 07:56
        
        The best part: it was outside a church having a cookout, and there were *four* cops directing traffic. - TFox Jul 6, 07:53 2
        
        Ya know...in thinking about it. realistically...you could force both the company AND the driver to file claims (example inside) - Jim Jul 6, 07:56
        
        Oh, excellent. That makes it a slam dunk. -- nm - Subversive Jul 6, 07:55

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So if I'm sitting in my car at traffic lights and a guy ploughs into me, *my* insurance premiums go up?!

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So if I'm sitting in my car at traffic lights and a guy ploughs into me, my insurance premiums go up?!