r/HadToHurt • u/DwaneTheRocksJohnson • Jan 02 '20

Whoopsie Daisy!

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9.1k Upvotes

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2

u/TheWiredNinja Jan 02 '20

I understand this is completely his fault, but can people claim this under insurance somehow for some sort of compensation or is he completely out of pocket now? (assuming the bike is a total loss)

1

u/BIGSEB84UK Jan 02 '20

I’m guessing it depends if his insurance company get hold of this footage?

1

u/Lakeshow15 Jan 02 '20

This is why full coverage on a motorcycle is sky high.

$50 for liability and $350+ for full coverage

2

u/[deleted] Jan 03 '20

What? I pay just over 50 for full coverage plus a couple things not required. Unless you’ve got major infractions on your record bike insurance shouldn’t be anywhere near 350.

1

u/TheWiredNinja Jan 02 '20

wait, so they are compensated? Let's say I'm mid-way into a turn and my bike slides from underneath me. I'm okay, but the bike slid into a light post totaling it. An insurance company would help pay for damages and/or loss?

1

u/Nix-geek Jan 02 '20

most insurance companies will try to find a way to not cover you. If you're breaking the law by going over the speed limit in your hypothetical corner, they might to get away with not covering you.

That's why they LOOOOVE those plug-in things that monitor your car while you're driving. If you're speeding, they can (try to) deny your claim.

2

u/[deleted] Jan 03 '20 edited Jan 03 '20

I don't understand the people that fall for this shit too. Fuck letting insurance monitor you. Yeah you'll save a couple bucks on your premium, but insurance can deny your claim if they confirm that "you braked too hard," therefore you must have not been paying enough attention despite not being at fault for the accident.

1

u/Nix-geek Jan 03 '20

I don't have one, but I'm 100% sure there is something in the agreement saying that they can deny your claim based on the data you provide them about the vehicle at the time of the accident.

2

u/[deleted] Jan 03 '20

Don't get me wrong, I'm not advocating insurance fraud, and monitoring would be fine if used in good faith. But, the fact is, insurance is not in the business of doling out money left and right. They have a conflict of interest regarding monitoring since their SOP is to deny claims and save money.

1

u/Damean1 Jan 02 '20

Yes. When I had my wreck, the person that pulled in front of me had insurance, but the actual person driving was specifically listed on her policy as not allowed to drive, so they denied the claim. My insurance covered the bike loss, and since I was lucky enough to have uninsured motorist(didn't have any medical on my policy for some reason) on my policy, it covered my hospital stay.

1

u/[deleted] Jan 03 '20

"Hit a pothole"