tractorman
Active Member
Does anyone actually have evidence of this happening? I hear this argument all the time but I've never actually seen it happen.
It doesn't happen. Insurance covers mistakes and stupidity and even people taking risks they should not take. It has to as most wrecks have at least one person being stupid or making a mistake. It covers a drunk driver. It covers someone doing 20 mph over the speed limit. What it doesn't cover is fraud, intentional acts, racing and often it will exclude coverage if what you are doing is income earning as in a delivery person or taxi as they need to collect extra premiums for those risks. It is all spelled out in the liability portion of your policy...because we all read that, haha. It has been nearly 20 years since I quit my claims manager job and started my own business, but I bet not much has changed.