Well since I was 16 it seems like auto insurance has never done what I always thought it was supposed to do. I will give you the time line:
I was 16, just got my license a few months ago and got into a head on collision with with a woman at an intersection with stop signs (no lights), she was soming out of a parking lot across 2 lanes and I was pulling out from a stop sign across 2 lanes, we hit dead center of the intersection. I was driving a 1979 chevrolet silverado, she had a newer mini van...her car was pronounced totaled and mine just had a slight bend in the steel bumper. Well the cop pulls up and it was determined to be double fault, no tickets issued. My insurance paid for her damages...her insurance did not give me one cent...to this day I can't understand what happened (its been so long ago I cant remember the excuse they gave me for not paying out).
Next I was about 22 and a drunk driver hit me head on, on a freeway at 60 mph, turns out he was out partying all night with his gay lover and had stolen a car at 9 in the morning. He stole the car from the place he worked out which happened to be a car rental place and he was fired so he stole a Lincoln Navigator on his way out...I see him swerving so slow down a bit, but he manages to take an exit off the freeway then at the last minute swerves back onto the freeway hitting the cement barrier that divides the main flow of traffic from the exit lane (at this point I am hard on the brakes) he bounces across all 4 lanes of the freeway hits the dividing wall (wall to divide oncoming traffic) and bounces into my lane where I am still skidding at a good 60 mph and we hit and grind down the dividing wall a good 30 or more yards. All airbags in both vehicles have deployed (I was driving a 2003 nissan altima) and I go to check on this guy and his "friend" and he slams the door shut when I ask if he is ok...and proceeds to try and turn the car on and drive away...of course there isnt a single fluid left in his mangled vehicle and I step back just in case some gas sparks. Needless to say his car wouldnt start, the cops show up and take him to jail or where ever. Well this vehicle belonged to a rental car agency so of course it has insureance RIGHT?...well they told me the vehicle had been stolen so their insurance was not responsible...I was too furious...my car was totaled and my insurance had to pay for it and I had to pay out of pocket the remainder of what I owed on the vehicle.
Well my wife had a car wreck a few weeks ago with an indian guy that spoke NO english. They of course drove off and left the scene before the cop got there, but they did leave their insurance info. I get a call from the insurance company saying they are not going to pay because they can not get ahold of their client...without a statement from their client they can not pay out...this guy has left the country....so now I have to pay my deductible to get my car out of the shop...I can not understand this...
To me this is saying you dont need insurance, just drive off after the wreck and you will be fine...I HATE AUTO INSURANCE. Rant /end.
