Bambi Must Die

by LifeIsGood » Tue Sep 30, 2008 07:47 pm

Yes. I know. Brutal. Harsh.

But none the less true.

If you are rockin' down the highway (my hat tip to the Doobie Brothers) and suddenly, out of nowhere, a deer jumps in front of you...

Bambi must die.

Do not swerve to avoid the cute little mammal. Run it down. Become one with Bambi. Substitute the German peace symbol with an antler.

Yes. I know. Cruel.

But consider the alternative. You could slam on your brakes forcing you to slide to the right, taking out the two cars next to you. One of those cars could catapult into the ditch on the side of the road while the other car rolls over five times and smashes into a tree.

The two people in the car that has ended up in the ditch survive. Barely. One has a broken neck and is paralyzed from the neck down. The other has to have their right leg amputated.

The single driver of the car that has ended up against the tree was killed on impact.

Your auto insurance coverages are 50/100/50.

So, boys and girls. Two choices.

1. You have been found 100% at fault in the accident. Judgement is in excess of seven figures. Not only will your paycheck will be garnished...FOREVER, but your home will have a lien placed against it. You can forget about any retirement fund. Your credit is destroyed because the judgement is entered on your credit report. That summer house on the lake? Splash around in the tub instead. That new Mercedes? Can you say Kia? Winter vacation in the snow? Scrape out the bottom of your freezer and throw it at your spouse.

I won't even mention the lifetime of guilt you will probably feel.

Or....

2. Kill Bambi. Pay your deductible and let your insurance company repair the car.

Total Comments: 47

Posted: Mon Oct 27, 2008 02:16 pm Post Subject:

I am in total agreement with the animal. ALWAYS comprehensive.

Posted: Mon Oct 27, 2008 02:23 pm Post Subject:

The way we handle anything 'other' than an animal, (as it related to comp or coll)...if it hits the car prior to hitting the ground it's a comp loss falling object or misile...is it hits the ground then the car hits it...it is collision...

Posted: Mon Oct 27, 2008 03:41 pm Post Subject:

However...bouncing down the freeway and striking your vehicle (object in the air when impact occurs)...

Posted: Mon Oct 27, 2008 04:00 pm Post Subject:

Yes, but that is different then the "1st hit" rule mentioned.

Posted: Mon Oct 27, 2008 04:12 pm Post Subject:

That is what was explained to me; laying on the ground would be collision and flying through the air would be comprehensive.

However, they did say that if it flew off a truck, hit the ground and then bounced and hit your car (while airborne), it could be collission. Hence the "1st" hit.

This was explained during a "why-you-should-refer-all-claims-questions-to-claims-because-there-could-be-situations-where-the-obvious-isn't-so-obvious" discussions.

We do answer obvious questions of course though.

Posted: Mon Oct 27, 2008 07:48 pm Post Subject:

Yes, but that is different then the "1st hit" rule mentioned.

exactly and there is some decretion that claims has as well, when it's a bit gray... :wink:

Posted: Mon Oct 27, 2008 08:01 pm Post Subject:

Absolutely the gray area. This is why we're told to let claims take care of it.

The "1st hit" statement is the exact reason. It can go either way.

My last three experiences have shown me for it to go one certain way - now, if it happens tomorrow to another customer will it be number 4? I have no idea. It probably will but...I'm not going to tell my policy holder that.

Posted: Mon Oct 27, 2008 08:53 pm Post Subject:

Geez...sounds a little confusing I hope I don't hit one...

Posted: Tue Oct 28, 2008 11:21 pm Post Subject:

From your mouth to Gods ears...You ought to see my husbands track record...gets at least one per year...USUALLY in MY truck.

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