Originally Posted by
Malcolm McLeod
Reading thru this there seems to be a fairly strong consensus about the nature of insurance companies, so here's a bit more...
I was rear-ended on an interstate in Sept. '21 - - I was at ~10mph, with walls or stopped traffic on each side, the lovely lady behind me was on cruise-control at 75mph ('failure to control sleep' per the TX DPS). Totaled my car (and the other one too). She was a bloody mess, and I was in Lala-land for a few minutes. DPS, Fire, EMS, ERs, .. the whole gang was there. She had Allstate Insurance for her car. I had Allstate Insurance on my home; they'll want to take care of a customer. Right? ....So we'll let Allstate Insurance handle this. Rrrriiiiiight!
They offered a fairly quick and (IMHO) a fair settlement on my car - mostly to get me out a rental. Bravo! But they have now dragged the medical/lost time/etc settlement out for 9mo. The medical claims went to collection, so I finally paid them myself!! This has never been an issue with the $$ amount - just their sloth.
Being in an accident with someone with the same brand insurance is pretty much a worst-case scenario: "your" insurance company is basically negotiating with itself for any claim or settlement. All things considered, I'd rather be hit by an uninsured driver.
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"Design"? Possibly. "Intelligent"? Sure doesn't look like it from this angle.
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