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10-16-2014, 03:07 PM | #23 | |
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I literally had a tire bounce directly over me once. |
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10-16-2014, 03:46 PM | #24 |
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My M3 is so fast I would just punch it vrooooooooooom and fly over it smooooth sailing
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10-16-2014, 03:49 PM | #25 |
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What are you smoking man ?
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10-16-2014, 03:57 PM | #26 |
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Slow day at work my friend.
Anyways - back in my old car, I hit a super huge pothole on the freeway and made the city pay for it.
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10-16-2014, 04:54 PM | #28 |
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10-16-2014, 07:10 PM | #29 | |
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The cost of insurance is, ultimately, a math equation. The cost of insuring a class (group) of drivers is spread out over the group, and marked up for a (regulated) profit. If you end up reclassified as the result of a claim, you're going to pay higher costs, regardless of who was at fault. Sucks, but that's insurance.
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10-16-2014, 11:46 PM | #31 |
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I love the comments from people who say that if you are driving safely and with enough distance that you can avoid flying debris from the road. You ever seen an unpredictable tire bounce around on a freeway? It's like Plinko. Plus, just because you can stop quickly, doesn't mean the guy behind you will. Even if I used my crystal ball and told you on a wide open stretch of road that a tire would be suddenly coming your way, I bet you'd still have a pretty good chance of hitting it.
Honestly the naivety on these forums sometimes is mind boggling. |
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10-17-2014, 09:48 AM | #32 | |
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10-17-2014, 11:07 AM | #33 | |
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There are no absolutes, you can't always avoid an accident, but you can decrease your chances of having an accident. If you hit something that was lying stationary in the roadway, you didn't have sufficient time to react between seeing the object and hitting it. The next logical question is, "Why didn't I have time to react?" You can choose to get defensive about the potential answers to those questions, or you can be objective about it and simply say, "More distance between me and the car in front of me would have allowed me to avoid hitting the tire. Could I have created a scenario where I had more distance?" The counter claim that you can't always accomplish that is valid. You can't, and I'm not claiming you can 100% of the time. But that doesn't mean you shouldn't try. You should also try to be as honest as you can with yourself about your driving habits, because avoiding accidents comes from forming good habits. I understand that it's natural to feel defensive about these kinds of things. Everyone thinks they're a better than average driver. It's called "illusory superiority", and it's a pervasive cognitive bias. As I've aged, I've grown more reflective and self-aware. I'm more ready to look at my driving and identify the areas where I could do better. I find that more often, I actively create space between me and the guy in front of me. Sometimes I get frustrated and I follow too closely. The thing is, I'm aware of it, so I'm able to improve my habits. Telling yourself that you can't do these things is an excuse to form bad habits. You can fight with me all you like about it, but your insurance company is still going to reclassify you in to a higher risk category, and increase your premium when you get in an accident. If your goal is to avoid that, then you have to do these things.
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10-17-2014, 03:23 PM | #34 | |
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10-17-2014, 03:27 PM | #35 | |
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A little false info. If a tire falls off a truck, HITS THE GROUND FIRST, and you strike it, then this is considered collision as you hit a fixed object. Animals are mostly comp claims, but if the tire were to be in the back of a pick up bed and fly out and hit your car before hitting the ground this would be considered a comp claim. It's a little confusing. |
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10-17-2014, 03:43 PM | #36 | |
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10-17-2014, 03:49 PM | #37 | |
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10-17-2014, 03:50 PM | #38 |
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10-17-2014, 04:12 PM | #39 |
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what if you had a "guest" inside the trunk of your car. Then when you opened the trunk, said "guest" jumped out and you reversed and accidentally hit her while she was stationary? Comprehensive or Collision?
Last edited by Flying Ace; 10-17-2014 at 04:17 PM.. |
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10-17-2014, 04:12 PM | #40 |
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Any time.
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10-17-2014, 04:19 PM | #41 | |
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Has she already hit the ground when you reversed, or was she still in the process of jumping out of the car? If the latter, then the hooker..er, "guest" is technically still considered part of the car, and you could be penalized for failing to properly secure your luggage. |
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10-17-2014, 05:17 PM | #43 |
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I thought if you stored it in your trunk it became property and you can hit it at will.
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10-17-2014, 05:23 PM | #44 |
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