The Phantom (Driver) Menace

There seem to be a rash of “hit-skip” incidents going around, like this one just this weekend in Victorian Village.  Luckily, this guy was caught.  But what if they never find the at-fault driver?

Car-smoke

In Ohio, this situation is called a “phantom driver.”  Most insurance policies require there to be some other evidence that a crash happened, other than just the injured person’s word.

What does this mean to you:

If you are hit by another car who takes off, you will either need another person who witnessed the wreck to back you up.  Either that, or show some damage to your vehicle to prove there actually was a wreck.  Believe it or not, sometimes insurance companies don’t believe you!

 

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Leap of faith

Commercials for insurance companies make you feel all warm and fuzzy, don’t they?  If you believe these ads, some insurance companies are like your neighbor (but only the good ones), some are on your side, and others help old ladies cross the street.  What’s your policy?

We got another one. Get the stamp out!

Despite what these ads would have us believe, insurance companies sometimes actually act in downright un-neighborly ways.  Whether it be car insurance claim, a home owners claim, or any other kind of claim, insurance companies exist for one reason and one reason only – to make money.  (If they do anything other than try to maximize profit, they will be sued.)  To expect them to “do the right thing” is, unfortunately, not reality.

Your own insurance company has an obligation to treat you fairly, even if it means, believe it or not, they have to pay.  If your own insurance company wrongly denies your claim, or drags out the claims process, they may be practicing bad faith insurance, sometimes called “first party” bad faith.  One insurance company defense law firm was even nice enough to post some examples of what can be considered bad faith insurance.

What does this mean to you:

Insurance companies spend a lot of money on ad campaigns, mottos, and spokespeople to convince people they treat you fairly.  We all know, that doesn’t always happen.  Keep in mind that if your own insurance company gives you the run around, they may be liable.