Is insurance the same across the US or state by state.
I’m not sure about Canada if it’s province by province but I suspect it is along with the ever popular you get what you pay for.
I had a fender bender last week, my insurance asked what happened, said it wasn’t my fault and so deductible and would you like a free rental?

 

Is insurance the same across the US or state by state.

It's regulated on a state by state basis, but my coverage is uniform anywhere within the country, and most likely would have equal coverage if I drove into Canada. Mexico is another story, and a driver usually needs a rider for coverage in Mexico or purchasing separate insurance solely for driving there.

 

I installed a dashcam in my daughters car and soon after, she was rearended. Three cars were involved. There was some question as to whether or not she slammed on the brakes or even hit the car in front of her. Even though the dashcam was front-only, it proved she was at a complete stop with a healthy gap between her and the car in front of her when she got hit: the moment of the hit (sudden impact and move forward after that) was clearly visible on the dashcam. The insurance company took the dashcam footage as evidence. She needed a short period of PT for disc swelling and the dashcam proved how hard she got hit too, so it helped with the health claim. We didn't have to beg them to take it. We just mentioned we had dashcam footage that proves her account of the accident and they actually asked for it. After we sent the footage, there were no more questions about fault or a medical claim.

Mike

 

Insurance is state by state, and seems to change back and forth as to whether no fault or not, at least here in Florida. Probably based upon who has the better lobbyists, or who is buds with our gub'ner.

I am glad to read @MikeyBolt got results with his daughter's dashcam, as I got one recently. Good to know it might help in at least some cases.

 

That's the current state of our country; the inevitable result of "defund the police" and all the excuses for antisocial behavior.

Last week I was picking up burgers to go, and I heard a crash. Someone said a guy had just smashed out the window, and I asked if it was the guy that was standing outside and everyone said yes. Nobody had any motivation to do anything, so I ran outside and snagged the guy by the collar as he attempted to run across the street. Employees asked me what to do, and I told them to call the cops.

The guy had thrown his steel water bottle against the glass for no apparent reason. I asked what troubled him and he claimed ignorance.

There are reasons for all behavior, but the fact that we can identify reasons isn't a sufficient excuse for it. We are held accountable for action despite "reasons". The first imperative of civilized society is civility, which means creating order out of chaos. Addressing the "reasons" is secondary to creating order.

We deserve the environments we tolerate. Tolerate less BS, and you get more order. Tolerate a lot of BS, and you get a lot of BS.

 

That's the current state of our country; the inevitable result of "defund the police" and all the excuses for antisocial behavior.

Agree on the antisocial part but I don't see what this has to do with "defund the police". A$$holes have always existed, but maybe they're becoming more empowered lately due to social media and the effects of being raised under the "everyone is special" mentality.

I think the OP's problem is more on the side of the refusal of help from companies whose job it is to help them. I feel like that has to do more with our hardline capitalistic approach to everything in America. Companies, and even the legal system, have been squeezing efficiency so hard to maximize profits to the point where they're refusing to do their jobs if they can't make money off of him that's above some threshold amount.

 

Here in California, having uninsured motorist coverage is required unless a written waiver is given, because so many people drive without even basic coverage.

 

Morning Jack

Someone ran into my Bolt last year while I was stopped at a stopped light... I sent my dashcam video to his Insurance Company and they immmediately sent payment .

I wont drive withOUT a Dash Cam

 

Morning Jack

Someone ran into my Bolt last year while I was stopped at a stopped light... I sent my dashcam video to his Insurance Company and they immmediately sent payment .

I wont drive with a Dash Cam

Why not? It seemed to do as intended.

 

Kind of a “damned if you do, damned if you don’t.”

We are all saving up front from faultless coverage, due to lowering the expensive court proceedings. But if we’re involved in an accident, it turns out that everyone is at fault. Overall, we have to trust that we are saving as a result of the No Fault covera

Since most of us are typically in the “seldom” column of making claims against our insurance, we will pay less overall, with the occasional miff of an accident on the record, with a few years of higher premiums.

Everyone always thinks that the other person caused the accident no matter what happened. It must be hilarious to listen to the excuses.

The truly at-fault are going to get flagged by racking up accidents, and getting their license suspended.



Maybe every car should be required to have dash cams so that the insurance companies can come to a conclusion out of court who is at fault. It would be a logical progression from No Fault given modern technology.

 

Maybe every car should be required to have dash cams so that the insurance companies can come to a conclusion out of court who is at fault. It would be a logical progression from No Fault given modern technology.

I expect at some point it will become required on all new cars, like backup cameras. That is something Tesla got right with their camera integration, in case of an accident you have a bunch of angles to send to your insurance company.

The other very useful thing for dashcams or integrated ones. You can show the police at the scene and if the other driver did something worth being cited they can issue a ticket which typically results in fault being much easier to deal with. That happen with my recent accident. When the cops responded (airbag deployed on the other car) I was able to show him my dashcam footage showing I had the green light. Granted my accident was more than a fender bender. However they are still useful and worth the investment to me.

 

They WANT you to have an accident on your record to CHARGE you more.
I had go through that a while ago. Took a while. Bunch of creeps.

 

They WANT you to have an accident on your record to CHARGE you more.
I had go through that a while ago. Took a while. Bunch of creeps.

Remember...insurance companies are not in the business of helping their clients. They're in business to make money. Their first response will be "no". It's their business model, and simply the opening salvo for a negotiation. Ask for twice what you want, and negotiate down to that figure. It's a common, and expected, tactic.

 

I was involved in a hit and run. I sent the footage to the police investigator and my insurance company. They both were able to find the person. The police issued a ticket based on the footage and i was spared from having to pay my $500 deductible.

 

When I drove in Japan there were a number of different thoughts as any local or county has. In almost every accident in Japan both parties tend to be blamed to some percentage. It's 100% if you tangle with a learner sticker no matter what.

The problem with the US system is the insurance companies want you to get an accident on record even if it was 10%. That way they can easily charge you more in premiums. It isn't the deductible that will kill you.

 

I had a wreck in mt 2012 Volt in a parking lot, other guy had a dash cam. Police said on private property with no injury they wouldn't even come out. The T-bone on my car was over $7500 to repair. Initially my insurance had me pay the deductible to get the car repaired, B-pillar and 2 used doors. I spoke with insurance adjuster and told him the other guy had a dash cam. I suspected the other guy had some problems with his insurance or or DL. Was pretty funny actually, we exchanged info I took a picture of his DL and insurance card. That night his wife showed up at my front door and ask how I was gonna pay for the wreck, I said no problem, I will turn it in to my insurance and you turn yours into your Insurance and let them fight it out. Then I slammed my front door in her face. Really his car got the worst of it, 2009 Toyota Corolla was pretty much destroyed. Both front fenders, hood, headlights and grille and radiator and maybe the rad support too (antifreeze running out the bottom, definitely not drivable).

Got mine fixed at the Chevrolet dealer, looked really good. About 60 days later I got a check in the mail from my insurance for the deductible, never showed up on Carfax as wrecked. I suspect he was uninsured or his DL was suspended. Or maybe his dash cam was evidence that he was in the wrong! LOL He came off the street at high a speed and I was well into the first parking lot intersection when he hit me. I guessing it sucked to be him. I never ask the insurance company why they sent the check.

 

I have one in both my cars, never needed it for myself but one day a guy pulled out from a stop sign and t-boned a car, him and his passenger jumped out and the passenger got in the driver’s seat. I caught it on my dash cam. I pulled over and when the cops got there he was saying the passenger was driving, I walked up with my dash cam and without even showing the video I said he was driving and they swapped places, I got it on cam. He quickly changed his story, the cop thanked me and said I could leave now.

 

Let's get off discussions of a regional/ethnical nature. None of it has anything to do specifically with EVs or the Bolt.

 

that’s true. We have them in company cars. But we have GPS and computers that track acceleration, breaking and everything in between.
It helped when some guy ran a stop sign and hit one of the cars. He was going to take them to court. But one of the Engineers ask him is he really wanted to do that, and shared all the data including film clips.

 

A dash cam is worth its weight in gold when you are involved in a serious accident. I wish the cameras on the Bolt had a recording loop of about 30 to 45 minutes. For intersection wrecks it is your best witness.
Take it from me I’m retired LE and an accident reconstruction investigator.

 

Insurance companies are not there to help you, they are there to make money. They see it as cheaper to pay than fight, lawyers are expensive.

 

I would also be careful with any video that might implicate me in a crash.

 

A dash cam paid off in spades for me when an 18 wheeler tuned up the front end of my pickup. ymmv, but I was glad I had the receipt.

 

I was held not at fault for a parking lot scrape thanks to my dashcam. Someone tried to do a backing turn out of a parking spot just as I was pulling into it. I managed to stop before contact was made, so they hit me rather than the reverse. Without the dashcam footage it would have been impossible to tell.