Financial Channel

I am finding out the hard way insurance is a fraud. If you don't hit the other driver, no matter what happened during the accident your at fault.

I had an incident 2 weeks ago where I was going through a intersection when the light was just turning yellow when I was about 2 or 3 carlengths back, and a driver made a right turn into the left lane. I swerved and slammed on my breaks to avoid hitting him, and ended up hitting a concrete bridge rail instead.

Admitted, if I would have let him slam into my side he probably would have totaled my car (and I would have probably been injured at least) and I would have been having to pay out of pocket anyhow.

Insurance companies make a lot of money by maintaining a float between when they take in premiums and when they pay out a claim - the longer they delay, the more money they make. They also make a lot of money by denying valid claims, or settling them for less than they are worth. Insurance companies... aren't your friend.