The major problem of contributory negligence... Could this be the way YOUR local government does things?
We were young lady insured in the agency. She was driving that can assist you one day, waiting to earn a left-hand turn, with their whole turn-signals on, etc... Hence approaching traffic cleared, the doctor began her turn... considering bonehead behind her was creating her left! There the grinding collision...!
Obviously, it had become the passing driver's mistake, and we had our insured drag into court that driver's car Insurance. Then we found out many other driver was uninsured.
No dilemmas, we thought. The out side driver was speeding, driving without having a license, driving without vehicle Insurance, passing at an active intersection... Clearly at error... This is exactly as to the reasons we carry "Uninsured Motorist" deal... to pay for u . s citizens damages and injuries if we are struck by an at-fault uninsured driver.
So our insured filed a claim under her own policy's UM a plan. Simple solution... But business denied the claim! Is there a reason? CONTRIBUTORY NEGLIGENCE.
This legally speaking doctrine, as it impacts car Insurance, simply says that should you be found to have helped with the loss to precisely the same degree, you cannot collect using a other party!!! How decided not to she contribute? The car Insurance company said she will require checked her rear-view mirror to see if a speeding, unlicensed, illegally passing bonehead lived before she started her turn..!!! Unbelievable...
Another car Insurance declare that went wrong...
Under the "med pay" coverage because of your car Insurance policy, funds are provided for injuries to display anyone "occupying" a blown auto. If you honest the definitions of the protection, however, you see they will mean by occupying... You are "occupying" the car in price range it... on it... going into it... getting out than it... getting onto it... or moving away from of it!
This can cause some very interesting claims...
The most bizarre medical pay claim I ever saw went like this: There was a girl also a guy out on a date. After the movie and private dinner, they found themselves with to much time and privacy on their reach, one thing led to a different one, and the girl realize herself pregnant.
The family am not able to anticipate their teenage daughter pregnancy, and had no Maternity coverage health of their health Insurance. So they filed an incident and under the son's father's car Insurance policy's "med pay" guideline! After all, they expressed... it was an "injury maintained while occupying a blown auto"!
They received overloaded Maternity coverage for pre-natal Care and also to delivery!
And we wonder one of the reasons our car Insurance premiums can be high...
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