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nsfdrag t1_jcyfmh3 wrote

Insurance rates are raising?

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Prestigious-Tie2049 t1_jcygfjm wrote

For shitty drivers, yes.

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Ok_Repair_92 t1_jcyjy7y wrote

All it takes for somebody like teenage thief to hit you and you are screwed. Only way then is to claim it against your own insurance. See then if your rates go up.

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Prestigious-Tie2049 t1_jcyszlx wrote

Sorry I’ve never caused an accident.

My rate goes down by $100 for every year don’t cause an accident.

−22

gregra193 t1_jcyvzb0 wrote

I’ve never caused an accident either. But I had somebody hit me in a totally unavoidable situation last year. $3000 claim against their policy, and my insurance went up about 15%.

Taking a left turn (two lanes going left), after completing the turn this guy to my left starts coming into my lane. I slow down and hold the horn seconds before impact…but the guy keeps coming. My only other option was to hit the curb which is next to a sidewalk and a few businesses. Still impacts my rates.

Had a dashcam which recorded the other driver crossing into my lane and hitting me. Other driver admitted to police the situation, and he was given a verbal warning for failure to maintain his lane position. But my rates still went up.

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zenheadache t1_jcz0wzp wrote

Why did your rate increase if you claimed against the other driver's policy?

0

gregra193 t1_jcz37ao wrote

From Progressive:

Do insurance rates go up after no-fault accidents?

It may seem unfair, but accidents that aren't your fault may still increase your rate in certain states. However, they may not cost as much as at-fault accidents. As with speeding tickets and most other violations, not-at-fault accidents stay on your driving record for a certain number of years (the length varies by state).

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avgeekCT t1_jd1w281 wrote

> It may seem unfair

Why yes, Progressive, that would be because it fucking is

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zenheadache t1_jcz5guz wrote

Interesting. Ive been in 2 not-at-fault fender benders and 1 not-at-fault accident over 12 years and my rates have only ever gone down

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gregra193 t1_jcz2t0o wrote

You rate can still increase, and usually will, due to a not-at-fault accident.

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Ok_Repair_92 t1_jcz2xpi wrote

You are so full of shit bro.

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Prestigious-Tie2049 t1_jcz6j5w wrote

I can share my receipts with you if you want.

It’s just AAA

−4

Ok_Repair_92 t1_jcz9zlr wrote

Hmmm I am told 3 years now in a row that inflation/hurricanes/mandatory raise. All across the board. $100 every year. No accidents no tickets.

3

sevenfiftynorth t1_jcz56fd wrote

I've been insured by the same company for 32 years. They should be paying me.

3

At1l t1_jczuonw wrote

They’ve risen because of inflation. The cost to replace parts is higher so they go up accordingly. Mine didn’t rise much though.

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lastone2survive t1_jd14tnt wrote

I personally think there is. I have seen my bill go up $20 a month over the last year (an increase of $240 over a year)

And I don't drive anywhere because I work from home so it's not more driving. No accidents/tickets either so there are some price increases that may be slowly happening for some folks for some "xyz" reason I'm sure...

2

bluejams t1_jd2sxry wrote

cost of parts are up. Waits for parts and repairs are also up aka longer rental car reimbursement periods. Oh also more expensive rental cars.

1

ShadyJake75 t1_jd361be wrote

Especially comprehensive, with all the stolen cars.

1

rudymadethis t1_jcznpes wrote

It’s also nice for all the random events you might encounter on your daily drive.

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ComfortAmbitious4201 t1_jd0ev2e wrote

make sure that you have the sound recording on! so if you ever see anything on the road you can read out license plate numbers for the recording

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ETL4nubs t1_jcz1odc wrote

How is this camera when showing videos on the spot? I have a YI and it's super annoying to try and browse for shit that just happened. You can connect to its WIFI but that is just as bad and clunky.

0

RededHaid t1_jcyj3hd wrote

Dash cams can be used against a driver just as well as for one.

−8

TheTowerBard t1_jcyxlcc wrote

Crazy idea; if you’re at fault just own your shit and deal with it. Mistakes happen. Own them and make them right.

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RededHaid t1_jcyy2c4 wrote

I never said anything regarding responsibility or owning fault

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Ok_Repair_92 t1_jcykfed wrote

If you think you might at fault don’t tell other drive or cop you have a dashcam. Dashcam is there to protect you and only you. In the end the only entity that matter is the insurance company. I would only provide them with footage of the accident and nobody else

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RededHaid t1_jcykwe2 wrote

I’d like to introduce you to a concept called subpoena. It may be out if your hands.

3

nsfdrag t1_jcylc16 wrote

Sorry officer, I never got around to installing an sd card for it.

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RededHaid t1_jcym46q wrote

If they seize it, and I don’t know if they can in CT., they’d have the card.

−5

Ok_Repair_92 t1_jcyl70c wrote

I only meant that you don’t have to inform anybody of existence of your dashcam. And nobody ever notice these things.

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RededHaid t1_jcym00g wrote

If a car is impounded, they’ll see a dash cam.

−1

Ok_Repair_92 t1_jcynq3r wrote

Unless you are incapacitated you can always go and get your personal stuff from the car at the scene. And even if you are nothing stops you from asking family or friends to go to the place it was towed to get it for you.

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RededHaid t1_jcyvt0i wrote

If a car is impounded As Evidence, nobody's stopping by to collect your stuff.

0

newmoon23 t1_jd28j2t wrote

If you get sued you absolutely have to disclose it. It’s basic discovery.

You guys can downvote, but know that even in civil cases, there are consequences for destroying or hiding evidence.

−1

gregra193 t1_jcyvkkh wrote

I recommend no recording (camera pointed) inside the car, and audio recording always off.

−1

Gooniefarm t1_jd004g8 wrote

This is how mine is set up. I don't want private conversations in the hands of police.

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