11-13-2009, 06:00 PM
(11-13-2009, 05:14 PM)The Antagonist Wrote: Liability works both ways. If you hit someone and it's deemed YOUR fault, YOUR liability insurance will cover it for the person you hit. YOU are shit out of luck to a degree. I am pretty sure medical to a certain amount is included for you as well. I'm not sure on that as it could be state to state on the regulations on what only liability covers.
I'm not totally sure on that point, but I think the 'medical' listed on my liability is only for the other people.
Ant Wrote:If you hit someone and killed them and you had no insurance, and it was your fault, how comfortable are you saying, "well too bad for them"? They have no recourse if it's your fault and you have nothing they (they = the survivors or family of the deceased) can sue you for.
Well, I don't know. I mean I would feel 'bad', but accidents happen. No amount of money will bring back someone who is dead. If, for example, (god forbid) someone smashed into me and killed my little boy. I'm sure I would go after any amount I could get from it... but it would never make me feel any better about what had happened. There's just something 'wrong' about collecting money to 'pay' for someone's life. As for being a deterrent to people driving unsafely, I don't think it is. The possibility of jail time and such is more of a deterrent than 'oh my gosh, my insurance company will have to pay that person a lot of money!', ya know?
Ant Wrote:No, insurance is a good thing, we just need it reformed to make it insurance again and not gambling.
Yeah, I agree that the concept of insurance is a good thing, but the current application of it sucks ass.