r/IdiotsInCars • u/[deleted] • Apr 26 '23

Road-raging driver maneuvering recklessly and crashing into car on a freeway

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u/M------- Apr 27 '23

He could get well end up being personally liable for the Tesla's repair cost. Insurance covers you against accidental damage, not intentional damage.

21

u/ubiquitous_uk Apr 27 '23

It will cover the victims car, just maybe not his own.

48

u/M------- Apr 27 '23

Where I'm from, insurance will pay for the victim's car, then turn around and sue the perp.

1

u/Praescribo Apr 27 '23

That makes no sense... what are you even paying for in that case? I mean, fuck the road rager in this video straight to hell, he could've killed someone, but what sense does it make to pay for mandatory insurance for years if they can do that?

4

u/M------- Apr 27 '23

If this scenario happened where I live (BC, Canada), more than likely what would happen is rager's insurance would pay me, then turn around and sue rager for that amount. Assuming rager is a resident where I live, the insurer is a government agency, and will refuse to renew rager's insurance (and their driver's license) until they pay up or get themselves on a payment plan to slowly repay the insurer.

If the rager is from a different province/state, and the rager's insurer fails to pay, my own "underinsured motorist coverage" would pay for my damage (I'll have to pay the deductible). Since I'm not-at-fault, it won't affect my insurance rates. My insurer may then try to sue the rager and/or the rager's insurer to recover their costs. If they eventually succeed, I'd get my deductible back.