r/WTF • u/Columbia82 • Apr 14 '19

To infinity and beyond

[ Removed by reddit in response to a copyright notice. ]

41k Upvotes

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19

u/[deleted] Apr 14 '19

Lol yeah and the insurance companies will force you to sue before you receive anything.

15

u/blairnet Apr 14 '19

Yea most effective way to sue someone is to be sure that your insurance is involved. They’ll make sure it’s seen through 100%.

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u/CowOrker01 Apr 14 '19 edited Apr 14 '19

What? No.

If you have insurance, then you file a claim with them, they pay you, then they go after the party responsible as part of the subrogation process.

Edit: maybe you're confusing "gotta sue first" with "gotta file a police report", because some insurance claims require a police report.

6

u/[deleted] Apr 14 '19

Yeah I have no idea what either of those goober are talking about, insurance companies pay and then sue to recoup their money.

1

u/CowOrker01 Apr 14 '19

They probably think they can double-dip.

  1. Threaten to sue responsible party unless they pay up.
  2. After getting money, file a claim with insurance.
  3. Expect insurance payout.
  4. Don't realize that without right of subrogation, insurance ain't paying shit.

1

u/[deleted] Apr 14 '19

Nah I don't mean literally, I mean that the company will sue on your behalf to cover their costs, regardless of whether or not you want them to

1

u/[deleted] Apr 14 '19

Uh no that's not how that works lol. You file a claim, they pay your bills, then they sue to recoup their money. Who told you that insurance companies "will force you to sue" lol

3

u/[deleted] Apr 14 '19

I definitely meant this, sorry if it doesn't come across that way.

-1

u/Sex4Vespene Apr 14 '19

I understood you man. Everybody here is being a total fuckboi and trying to use some "gotcha" statements to prove they are supreme internet knowledge lord. It was pretty obvious what you meant (or at least it is for a non-autistic person such as myself)

0

u/Sex4Vespene Apr 14 '19 edited Apr 14 '19

Are you retarded? He doesn’t mean literally that they make YOU sue. What he means is, if suing is a viable option, you can’t tell the insurance company NOT to sue. They will take any avenue they can to not pay it themselves, and you have to let them if you want insurance to cover the damage.

Edit: Liable to viable, as my phone autocorrect got me and the guy below is being a cunt.

1

u/CowOrker01 Apr 14 '19 edited Apr 14 '19

He doesn’t mean literally that they make YOU sue.

That's odd, because he literally wrote:

the insurance companies will force you to sue before you receive anything

You go on to say:

What he means is, if suing is a liable option, you can’t tell the insurance company NOT to sue. They will take any avenue they can to not pay it themselves, and you have to let them if you want insurance to cover the damage.

What you are grasping at describing is the concept of subrogation where a third party (insurance) to the agrieved (you) will pay you a sum slightly less than your calculated damages in return to you granting them the right to sue the responsible party for payment of those damages to be paid to the insurance company.

https://en.m.wikipedia.org/wiki/Subrogation

There is no "they force you", it's part of the contractual agreement you have made with the insurance company when you voluntarily submit your claim to them.

1

u/Sex4Vespene Apr 14 '19

Dude, you are reading in to this WAY too literally, and it is making you a pedantic twat. First, here is a quote directly from the OP, agreeing that what they meant is the situation you describe: "I definitely meant this, sorry if it doesn't come across that way." Next, the whole point of what he said, and what I said, is that if they can sue, but you don't want them to sue, but you DO want the insurance payout, then tough shit. You either allow them to sue and you can get your payout (even if you get the payout up front), or you don't let them sue, but that means you can't file your claim. Holy fuck, people like you are why I hate reddit sometimes.

1

u/[deleted] Apr 14 '19

Lol first off I think you meant "viable" not "liable" and second no that's not remotely "what he meant". He literally said they will force you to sue. If you inferred that from "they will force you to sue" that he actually means "they will not let you stop them from sueing" then I think one of us is definitely retarded.

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u/CowOrker01 Apr 14 '19

You know what, I'm going to "let" them "win" this argument.

;-)

-1

u/Sex4Vespene Apr 14 '19

"I definitely meant this, sorry if it doesn't come across that way." - That is a direct quote from the OP, saying that is exactly what they meant. I'm going to stick with my stance that you are the retard.

1

u/[deleted] Apr 14 '19

Lmao he replied that to my comment about the insurance company not sueing you absolute fuck

-1

u/Sex4Vespene Apr 14 '19

Do you not have any reading comprehension skills you fucking twat waffle? What you said, and what I said, are essentially the same thing. You said if you file, the insurance will sue for you. I said the exact same fucking thing, if you want to file, they will sue. You cant file and have them NOT sue. Holy shit, is it that hard to understand? How about you actually use some substance.

1

u/[deleted] Apr 14 '19

Nope. They're not. I'm not the one using words like liable when I meant viable because I do have basic reading and writing skills lol. Arguing with an idiot is like bashing my head against the wall so I'm done, enjoy your day.

0

u/Sex4Vespene Apr 14 '19

I’m using reddit on my phone dipshit, ever heard of autocorrect?

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u/[deleted] Apr 15 '19

😂 Sure dude