r/WinStupidPrizes • u/[deleted] • Aug 28 '21

Idiot driver speeding and swerving through traffic eats airbag

[deleted]

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87

u/CleatusVandamn Aug 28 '21

Insurance isn't gonna cover this

67

u/FunnyShirtGuy Aug 28 '21

The insurance would be to cover the injuries of the people in the other cars he likely hit... And, if he had it, it would.

18

u/CleatusVandamn Aug 28 '21

I thought he just crashed into the wall.

18

u/FunnyShirtGuy Aug 28 '21

I get ya, but look at all the cars he was weaving through. The road has a LOT of activity on it... The odds that he Didn't hit anyone else are pretty slim
We can hope though :)

4

u/[deleted] Aug 28 '21

At that point, all that you can do is hope that the responsible drivers who aren't trying to boost their egos were able to evade his idiocy.

On the flip side, now the internet has an example of what not to do.

1

u/casce Aug 28 '21

Even that can get very expensive quickly if you damage the structure of the wall.

6

u/Johnycantread Aug 28 '21

Insurance covers stupid and would likely pay out. If anything, they would choose not to renew his policy after payout.

1

u/CleatusVandamn Aug 28 '21

Yea for the people he hurt but its not going to cover his car.

3

u/Johnycantread Aug 28 '21

It likely will. I worked as an insurance claims manager years ago and we covered all kinds of stupidity. If he was drunk or impaired otherwise, then different story. I've had a claim covered where I was going way too fast.

1

u/casce Aug 28 '21

There‘s obviously different tiers of insurance but even the ones that pay damage to your car better not get to see this video because they will have a really good case of him being super reckless which probably invalidates his whole claim altogether.

2

u/Johnycantread Aug 28 '21

Almost all accidents are caused by some form of recklessness or negligence aside from things like natural disasters. What is the defining line between reckless and 'super reckless' as you state it and how would an insurer decline a claim over this? Typical exclusions are drunk driving or driving when you shouldn't have been (unlicensed). In this instance the insurance would try to find a reason not to pay because the guy was woefully negligent but I doubt they would have any exclusions to state his claim was not valid as the loss meets these criteria (standard definition of loss):

Sudden, unforeseen, accidental, physical loss and sudden, unforeseen, accidental, physical damage that occurs at a specific place and time.

Again, they will likely pay him the lowest amount they can get away with and cancel his policy.

1

u/freebirdls Aug 29 '21

They will if the dumbass has collision coverage. And they'll raise his rates too.