A Question for People Who Work in Car Insurance

That's what I'm afraid of, that she will always be able to get insurance. Since she is disabled, she makes more money than I do just sitting at home all day because the government gives disabled people free money. So money isn't going to stop her from driving. She's not the least bit phased about having accidents either, she just says that's what insurance is for and since so far she hasn't injured anyone, it's okay. The only accident I've ever gotten myself into didn't cause any damage to my car. Yet it still scared me enough that now I am the most cautious driver I know. I just don't get it how my friend can just continue on how she drives and not worry that maybe she should change. It is sad that people like the person you know have to suffer at the hands of bad drivers.

What a terrible attitude. What kind of ignorant statement is that? Since I haven't hurt anyone it is ok to crash into their vehicle. Maybe your friend forgot because she doesn't work. IF she hit my truck. I would have to get it fixed. 1. This would take time out of my life. Time that I will never get back because of her neglect. Unless she is going to find someone to repair the vehicle then she has stolen time from me. Therefore she is a thief. 2. I wouldn't be able to get it fixed on the weekend. Therefore I would lose income. This I would never get back. Once the day is gone my income has been limited. Not to mention my employees. If I don't work, they don't work. So she has also taken food from families tables. Those are 2 perfect reasons why your selfish friend should be more concerned about others. In this day and age someone might shoot her for not caring enough not to hit their vehicle. Next comes her own safety. Doesn't she care? Does she not care about the safety of the passengers in the vehicle? This neglect is going to hurt someone one of these days. If it is her medication or eyesight she needs to be aware that is she is putting herself in a dangerous position when she drives. It is unfortunate that we can not do everything we choose. But that is life. There are other people that live on this earth. Many of them are not very forgiving.

Exactly! I definitely agree with you that she has the wrong attitude about this. Also, because she sits home almost all day doing nothing, she also thinks everyone else does. She is capable of working (but should probably take the bus to work), but thanks to our lovely disability program in this state, she probably won't ever have to work. She thinks the insurance just takes care of it all. Even her car she doesn't ever get too inconvenienced when it's getting repaired because her mom typically helps her out and takes it in for her. Her mom even shows up at the scene of an accident to help her out and my friend just sits in the car crying. You bring up a good point. One of my coworkers was telling me today that they saw a man in an SUV clip a motorcycle. The motorcyclist managed not to fall, but his bike was messed up. The motorcylist ran up to the guy and started punching him and cussing him out. My coworker was saying eventually my friend would probably get beat up. Yet people are unfortunately always nice to her because she is handicapped and always starts crying too. She doesn't care about her own safety at all. Well, more like she is immature and thinks the car will always protect her. She got in an accident once with me in the car and I really laid into her about how she put us in danger. If the car she was going to hit was on my side, I probably would have grabbed the wheel. I was mad at myself as it was for not being able to stop her in time, but I didn't think she'd do anything so stupid. She claims it's not her fault because she has no peripheral vision on her left side. I am blind in my left eye and that doesn't stop me from... *gasp!* actually turning my head! She refuses to turn her head. Her mom did finally tell her that she could not have passengers. But her mom told me that she was also not allowed to listen to any CDs in her car. And she always has CDs in there, or she gets talk radio on. I don't think new drivers should be listening to the radio. It is a distraction because you need to be able to hear. Even seasoned drivers need it to be low enough that they can easily hear. I'm always tempted to disconnect her radio since it wouldn't be that hard. You are correct we cannot do everything we want to in life. Everyone has something that they cannot do and unfortunately for some people, they cannot drive. It is a danger for everyone else that the DMV will still give these people licenses.

I know she doesn't claim anything happened to her car, she fixes it with "her" money. But as far as I know, the other person (the one she hit) always claims damage. So she's definitely not getting any 'no claim bonus'. I've heard if you get 3 accidents on your record before you're 18 you can lose your license out here. Unfortunately, since she started driving so late, this does not apply to her.

Thanks very much for the clarification.