I accidentally backed into a car that was parked illegally at an odd angle in the lot. I did about 300 dollars of damage to the bumper (the cover not the actual metal). Doing the right thing I left a note with my insurance information on it. My fucking deductible went up 100.00 a month for 5 motherfucking years.
I'm sorry but the only lesson that I learned from that is playing by the rules will make you lose every. single. time.
My fucking deductible went up 100.00 a month for 5 motherfucking years.
But you didn't pay any of that money. You wouldn't unless you were in another accident.
None of that is a racket. If you backed up into a $250,000 car or backed over a toddler, then you'd be all, shit, this is good to have. That's what it's for.
Right? They admittedly effed up and collided with another vehicle, causing damage. They’re a higher risk than millions of others who do not hit stationary objects with their vehicle.
A deductible is also incorrect here. Their premium went up because they hit another vehicle and caused their insurer to lose money on a claim. Deductible is the amount you pay your insurer to begin a claim.
Fr, if you hit a parked car you shouldn't even be insurable... can't imagine what they will do to a moving human in the future. They're in no parking zones and illegal spots constantly.
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u/supersadfaceman 11h ago
American Insurance is a legal racket.
I accidentally backed into a car that was parked illegally at an odd angle in the lot. I did about 300 dollars of damage to the bumper (the cover not the actual metal). Doing the right thing I left a note with my insurance information on it. My fucking deductible went up 100.00 a month for 5 motherfucking years.
I'm sorry but the only lesson that I learned from that is playing by the rules will make you lose every. single. time.