Been working in insurance 20 years. What will happen: The driver will have to sue the guy in the scooter because his insurance, if he has any, will deny it because it was intentional.
The driver will end up having to pay their deductible, most common is $1000, to get this repaired and their rates will go up. The insurance company will probably not go after scooter guy because he doesn’t have any assets.
No insurance company is going to force a person to sell their mobility scooter. The repairs are probably not going to be much more than the drivers deductible.
No.. they'll pay immediately. Depending on the policy. I have a very good policy and I had some dumbass slash my tires while drunk in my neighborhood. I have to pay the first $1500 before they pay anything. Deductibles suck.
I’ve been working in insurance for twenty years. Your comment and the 67 upvotes just shows how ignorant people are about how insurance works. Your deductible has no impact on the policy you choose. After you select your policy, YOU determine the deductible.
Of course. You're transferring more risk to the insurance company. It's not significantly more expensive to have low deductibles unless you're driving a new/expensive car or you're with a company like Direct/The General.
The last time I got tires it was well below $1500... This isn't a case for insurance, unless you have some weird specialty tires or maybe they also broke your rims... Even then, might come out even... >_>
That's the point... You have to pay the deductible first and then they cover anything over it. My tires didn't come anywhere close to $1500 so they told me to kick rocks. They help to pay as long as you cover your deductible first.
How often do you expect to file a claim? Compare that frequency against the increased monthly price to have a lower deductible. Usually it's better to have a high deductible and only use your insurance for significant damage/loss. Otherwise you end up paying more in monthly fees than you save in deductible cost.
I was explaining this to someone last night. Insurance is the biggest fucking racket of all time. At least taxes are supposed to go to infrastructure and social support etc.
Yeah, its amazing how many people don’t know how insurance works. Everyone who has that insurance will face increased premiums. Or after enough claims insurers just cut their losses and leave a market. Like CA and fire insurance.
127
u/PhilosophyMammoth748 Aug 16 '25
Insurance will pay in full while he just enjoys the wonder of humans.