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I'm not locked in here with you, you are locked in here with me.
Ie, most accidents can be avoided by having due care and attention even if another driver is breaking the law, speeding or driving dangerously.
People don’t realise the impact it has on everyone, or the non fault driver/s.
Even if a guy hits me and I can prove I was 100% in the right, my insurance premiums still go up because I had to claim. How is that fair?
Not only that, where I work in Thurrock, theres a big old bridge called the qe2.
Last Tuesday a pair of fucking truckers smashed into each other near it..
How?!? Its a 4 lane motorway (albeit trucks can only use the inside 3), all restricted to 50mph for miles.
This happened at 3ish pm.
The bridge (the only access across the Thames for miles) was closed. All day.
Whenever this happens, the m25 gets insanely clogged and turns into a car park. Which creates tail backs for miles. Which then blocks up big roundabouts which lead to and from the m25.
Those clogged roundabouts then cause tailbacks for miles across the ENTIRE lakeside area.
The result is a serious gridlock, miles from the site of the accident.
Lakeside shopping centre sits within a couple miles. With 3 ways in and out. All 3 ways lead to roundabouts which access the m25, or an A road that leads to the m25.
The entire area lose hundreds of thousands in sales, other trucks can’t make deliveries and end up having to camp on the hard shoulders because their driving time expires, the bridge probably loses millions in tolls, and the emergency services/ highways officers cost a fortune to send out to clean it up.
Big old impact on a lot of businesses.
Our store alone had 2 staff members who were on the late shift, who obviously couldnt get in, so thats a days wages they’ve just lost.
For me personally. I just finished a 9.5 hour shift in the shittest job in the world.
Its 10pm and I can go home.
Except by 1am I’m still sat in the fucking car park exits because no one can move.
All because some dickheads ‘probably’ werent paying full attention, or like most drivers around here just happily cause an accident because theyre entitled to bully or fight anyone who they don’t like the look of, or who is driving within the limits.
Isn't that what car insurance already covers?
Seriously: If you value it, take/fetch it yourself
When someone hit me previously, I luckily I had it on dash cam so my innocence was proven, but my premiums still rocketed up as a result of claiming for a non fault accident. Dont see how thats fair.
When I questioned it, apparently now I’ve been involved in a non fault accident I’m more likely to have an ‘at fault’ accident so I’m riskier to insure?!
What a scam. As insurance often is.
Lost a days wages cos I couldnt make my shift that night to boot.
Guess thats life. But as a result I’m very unlikely to ever claim for anything now. I’ll just notify my insurers that its taken place and forget it.
Can’t afford to be suffering financially because of some other idiot.
Seriously: If you value it, take/fetch it yourself
As regards the the increase in premium I’ve heard that the insurance companys’’ reasoning is that it shows you’re the kind of person that will make a claim. To me that only makes sense if you claim for, say, a trivial paint scuff (and to be honest, insurance companies charge excesses to deter trivial or spurious claims). If the damage is significant then you shouldn’t be additionally penalised for making a claim.
Of course if its a genuine accident or something totally unavoidable, then whoevers had it can’t be penalised.
I guess its a can of worms thinking about it.
Or, road signs that say "warning, sharp things ahead" which cause your tires to burst and you skid on metal rims into a nursery filled to capacity with toddlers that wont be going home with mommy and daddy on account of the BMW grill embedded in their little faces or the bits of brick that crushed them
Being able to see *well enough* to drive safely is the point... then when you say "I didn't see him" of the small boy you ran over, you can go right to jail because you weren't looking where you were driving a ton of metal, as your eyesight is tip top.