You have a LACK of Understanding of how Insurance works.
YOUR Insurance does not pay you any money. Your mother had the accident and she was not insured against that at the time....
There may be a clause in paragraph 26 on page 85 that says "if the car is covered by one insurance company than you cannot collect for the same damages from another insurance company....aka as "double dipping". so you could be screwed there because it is written down.
Besides that, when you get into an accident...it is normally the driver of the other car Insurance company that pays for all the damage to your car "provided that it is the other guys fault" So, your insurance company is not even activated...as there is no claim asking it for money. The other insurance policy is taking care of it.
. This is how insurance works. In case you get into a crash AND IT IS YOUR FAULT, you have the monetary means to pay for the damage done to the other GUY. $100K to $2M or your policy maximum.
The insurance has the cash to pay the money right away. TO PAY THE OTHER PARTY.
It is not there to pay you squat.
& if you conspire with a buddy to get into a crash just to collect insurance money; and say maybe 2 months down the road he crashes into you so you can collect insurance money, and you do this back and forward thing of collecting Insurance money.[Insurance is not that dumb] YOU WILL see the inside of a prison as that is THEFT (and Insurance can be real Bass Turds; they got the best Lawyers so you know you ain't getting away with it)
Besides, if in one of your accidents the other guy (or you) get killed or maimed for life so you are a Stephen Hawkings (or more like a turnip), then you could win a BILLION dollars but do not know it is even there to enjoy it as you also lost your arms and legs (so your nickname is Bob ...as that is all you can do in the swimming pool.)
yeah, any enjoyment out of life is now GONE. You can't even blow your brains out because you need hands(but you lost your arms, remember?) or even jump off a tall building because you need legs and they are also gone, remember? so the best you can hope for is drowning when the dog lifts his leg and pees on you.
You did not insure yourself against drowning, and if you were, you will not be there to get any of the benefits. And when you are dead, do you really care who benefits afterwards.?
· 3 months ago