By leogs23 - 27/2/2021 16:58

Insurance is a scam

Today, my fiancée wrecked my car so I had to use my other car to pick her up. Ten minutes after I did, my other car broke down in the middle of the road and I had to get it towed. My insurance covers none of these incidents. FML
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By  OrySoma  |  9

its more than likely because they don't carry full coverage on thier vehicle and if you don't have that insurance wont pay if you're at fault I learned that the hard way too

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  Seeya55  |  31

Normally I'd agree, but one person's struggles in life isn't outweighed by another's. The fact that OPs other car broke down half shows these vehicles could both possibly be extremely old. And the fact that the collision isn't taken care of could be they can't afford anything above basic coverage.

Everyone has different struggles. OP and fiance could have shit health, whereas the person with no car could be very healthy. Not everything is black and white.

By  DarkAngelsBlade  |  25

If the accident your partner had wasn't covered even if you were driving, that sucks, but if it was because they were driving, welllll still sucks but more avoidable. Also i guess you didn't do any upkeep on the second car?

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  OrySoma  |  9

its more than likely because they don't carry full coverage on thier vehicle and if you don't have that insurance wont pay if you're at fault I learned that the hard way too

By  Seeya55  |  31

A majority of insurances don't have car break-down coverages. That's like extra, bonus, cherry on top coverages.

The car being totaled, it should and usually is covered by your insurance under your collision coverage whether it was you or your fiancé. As long as he/she has a license, and you have the proper collision coverage, you're fine. If there's some shit loophole, your insurance company are buttholes.

If you have bare bones insurance just to be able to drive, then that was your choice to pick and not be completely covered in an accident.