On purpose accidents are where some types of idiots put their lives at risk by trying to get you into a collision with them so that your insurance company will pay out, because you appear to be at fault.
The media’s main interest is clearly how it affects everyone’s car insurance premiums. But the human side is about the personal tragedies that can happen when things go wrong.
BBC Click, a TV program I watch often, recently showed me that many large commercial hauliers and blue-chip organizations had installed front facing cameras with recording capabilities in all of their vehicles. The report stated that this not only saved them huge amounts of annual insurance premiums, but also proved who was at fault, reduced the time in court, and made their drivers safer.
The report included some amazing footage from the onboard camera. A large articulated truck was traveling on the motorway’s nearside lane at 65-70 mph when suddenly, a rusty old saloon car appeared from a slip road. It appeared suddenly and dived in front the truck with less that 30 cm. The truck almost flipped over, putting both the driver and themselves in serious danger. Although it wasn’t obvious that this footage was an intentional accident, the car driver was an idiot.
For large companies and road haulage businesses, such devices are a sound commercial investment. However, for most car drivers, this is not an option.
A few months back, I was driving to a morning meeting and a small lump made of clay about the same size as a fist fell from the back of my truck. The debris bounced around the motorway, and it was extremely busy with a variable speed limit of 50 miles per hour. I was completely helpless to avoid this debris hitting my car. I could have caused an even worse accident and put others on the road in danger if I tried. It was moving slowly towards me and I could see it approaching. I knew it would strike my car and cause damage of around 200.
I tried to follow the truck off of the motorway, but the truck suddenly left via one the works traffic only slip roads. I wasn’t able to stop it and tell him what had happened. He was probably unaware that some cargo was being lost, but I couldn’t stop him.
The registration was all I had so I had to contact my insurance company. It ended up taking six months to resolve because the driver refused to accept responsibility. I was forced to pay the expense and claim.
Drivers across the country are subject to on-and-off accidents, clay falling from trucks, and other problems. The downside is that insurance companies can penalize you even if it wasn’t your fault. Excess fees are common, policies often don’t provide a free rental car and worse, your insurance premium will go up as you lose your no-claim bonus.
However, there is a way to cover yourself against injuries that aren’t your fault. It works like this: If you’re unfortunate enough to find yourself in this situation, the accident management company will handle the claim for you. You won’t lose any no-claim bonus, have to pay excessive fees or face higher future payments. Many companies offer a free rental car for up to twenty-four hours. If your car is lost, you can use the rental car until it’s paid back. Although each company offers different benefits, the ones mentioned here seem to be the most common.