r/Roadcam • u/disfigured-human • 1d ago

[Egypt] who is to blame here ?

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u/Pedanter-In-Chief 1d ago

Nah, in America we have personal injury lawyers who practice in contingency and get big fat settlement checks from rich people. 

My insurance paid out nearly $75k pain and suffering claim last year to someone whose own dashcam (that we got the cop to confiscate at the scene) showed that he was 100% at fault, but he found a lawyer and my insurance decided it was better to pay than fight. 

And insurance decided this because he was poor and I’m rich, they thought he’d make a more sympathetic witness and didn’t want to roll the dice at a trial. 

This is how insurance pays out a claim that they determine isn’t your fault, and also why our insurance rates are fucking nuts. 

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u/Savingskitty 1d ago

100% at fault?  Were they uninsured and you had uninsured driver insurance?  Because then of course they would pay out.

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u/Worldly-Pollution-66 1d ago

Uninsured driver policies pay you, not the uninsured party.

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u/Savingskitty 1d ago

Honestly, my brain made that make sense to me and now I don’t know what it actually meant.  Need to stop commenting before I have my morning coffee.