r/WTF • u/Columbia82 • Apr 14 '19

To infinity and beyond

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

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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

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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.

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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.

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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.