I’ve heard from different sources that if you have a car accident, and you were at fault, your insurance is OK (i.e. you don’t lose your no-claims bonus, etc) if you say there was a wasp in the car. This, to my mind, can’t be true, as it’s unprovable, and if it is true, why doesn’t everyone do it (there can’t be THAT many totally honest people in the world)?
I’ve never heard that.
That is not true.
Your insurance pays for an accident, you are considered at fault.
Unless you can get the wasp’s insurance carrier to pay, forget about it.
Yer pal,
Satan - Commissioner, The Teeming Minions
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In any case, isn’t that discriminatory? I mean, some of my best friends are wasps, and they rarely cause me to drive off the road or into a tree. My jewish friends are just as likely to cause me to lose control.
:deadpan:
And not if there was a minority person in the car? … how racist!
Sounds like the basis for that “theory” is that:
A) the accident was not your fault, hence;
B) the insurance company could not blame you, hence;
C) your rates can’t be raised.
That just ain’t so. Your rates are based primarily on how much it costs in claims to insure people of your demograghic group and secondarily on how much in claims it costs to insure you. Bees, wasps, or falling rocks be damned - all the insurance company knows is you filed a claim which cost them money. They will adjust your rates accordingly.
Some states have laws prohibiting insurers from raising your rates, cancelling or non-renewing your coverage based upon “act of god” claims. I suppose you could argue that if you were stung by a wasp, and this caused you to lose control of your vehicle, that the accident was caused by an “act of god”. This would be a question of fact, not of law.
I’m not aware of anything that universally says wasp caused wrecks are freebies, though.
Frankd6
Counsel, Kentucky Department of Insurance
You are better off admitting the accident was your fault. If the insurance company can show that the accident was an “act of God”, they can deny payment of the claim, on the basis that the insured was not at fault, therefore his insurance is not liable for damages. I know this is true, through personal experience.
In 1997, my father suffered a fatal heart attack while driving his RV. It left the road, and rolled several times down an embankment. The other three passengers (family friends) were injured, requiring transport by ambulance, and hospitalization. When one of the passengers made a claim against my father’s insurance company (AAA, no less!), they were denied any medical payments on the “act of God” basis, because a heart attack is not the fault of the insured. We advised them to file suit against Dad’s estate, and we assisted their lawyers in getting a judgement against AAA, who was finally forced to pay their claims.
Insurance companies truly are Satan’s spawn.