Conan776 t1_ixffjnw wrote
Ever heard the expression "bad cases make bad law"?
Maybe as an addendum we could add: "freak accidents make for bad insurance coverage examples."
il_biciclista OP t1_ixfhyea wrote
Cars kill people every day. It's disingenuous to call this a freak accident.
itsonlyastrongbuzz t1_ixgv3gt wrote
20 casualties from a single automobile is mercifully rare.
wsdog t1_ixg5ki8 wrote
There were 71 pedestrian car crashes in 2021 in MA. Not every day. And not all driver fault.
BadRedditUsername t1_ixh3uc2 wrote
The number you’re looking for is 75. That is the number of pedestrian fatalities in MA in 2021. For each fatality there are many more crashes, each of which can cause debilitating injury.
CHARLIE_CANT_READ t1_ixh8dki wrote
To play devil's advocate truly freak accidents have a negligible impact on total claims paid so requiring them to be covered should barely increase rates.
il_biciclista OP t1_ixhde3a wrote
Yes. Thank you. The purpose of insurance is to pay for freak accidents by spreading the cost among people who might be responsible for such accidents in the future.
Wtf_is_this1234 t1_ixi7wiw wrote
No one could afford insurance that would fully cover a claim like this and no insurer would write a policy that had limits that high. It's a pointless thought exercise to even argue about this.
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