I never said that you could not rely on car insurance to pay for damages, fault or not. We are discussing what if the car insurance would not cover or not enough to cover. Let me give you an example. One of my co-workers hit by a guy running red light. My co-worder was okay but the tortfeasor got disfigured and the total damage, loss of wage, everything combined, was over $500K. It was totally his fault but because there was no witness the judge found for him. My co-worker was lucky since he did not own a house at the time. Otherwise the house would be forced to be sold to pay for the damage because he was insured for 25-50-25, like most of us would do. Don't ever assume your insurance would cover everything. In any car accident you have to know your rights just in case a court action is inevitable.
Take slip and fall cases for example. Most people would assume that if you fall and get injured in a store you can go there and ask them for compensations. Yes they would compensate you no matter whose fault it was. It is not because they are generous but if they settle they could avoid an expensive lawsuit. They'd rather pay $20k to avoid paying $500k if settled in court. That is why I always said that you have to treat everything just like you would go to court later, even if you settle for insurance money.
I brought an example several weeks ago. Several years ago in New York a violinist coming out of a play of Phantom of the Opera and walked on the street near the theater and tripped by a small piece of stone and fell and twisted her knee, resulting in a knee surgery. You may think this is totally bad luck. Most people would do. Overall, it is just a piece of stone on the street and who would be responsible for that? Well, the plaintiff lawyer actually found evidence that the stone was falling from a building nearby and forced defendant to settle for $400k. I don't care about insurance. Civil lawsuit was the topic here.
Take slip and fall cases for example. Most people would assume that if you fall and get injured in a store you can go there and ask them for compensations. Yes they would compensate you no matter whose fault it was. It is not because they are generous but if they settle they could avoid an expensive lawsuit. They'd rather pay $20k to avoid paying $500k if settled in court. That is why I always said that you have to treat everything just like you would go to court later, even if you settle for insurance money.
I brought an example several weeks ago. Several years ago in New York a violinist coming out of a play of Phantom of the Opera and walked on the street near the theater and tripped by a small piece of stone and fell and twisted her knee, resulting in a knee surgery. You may think this is totally bad luck. Most people would do. Overall, it is just a piece of stone on the street and who would be responsible for that? Well, the plaintiff lawyer actually found evidence that the stone was falling from a building nearby and forced defendant to settle for $400k. I don't care about insurance. Civil lawsuit was the topic here.
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