Basically YOUR car insurance covers YOUR vehicle and persons in YOUR vehicle regardless of fault.

Here is where it kicks you in the ass……

Let’s say you do not have collision insurance on your vehicle, someone HITS YOU and its THEIR FAULT. If your vehicle sustains over $500 in damages you are entitled to what they call a mini-tort claim. The mini- tort is paid by the insurance company of the person at fault (providing they have this coverage, if not you have to sue them for it).

Someone hits you, it’s their fault …you get a SMASHED UP CAR and a measly $500!

Doesn’t seem very fair, does it? This has happened to me TWICE! It’s ridiculous!

Last Thursday afternoon coming from the HIGH SCHOOL I was hit by another driver. I had the green light and she BLEW through the red light into me at 45 MPH! Luckily I was turning and did not have my son with me. As I pulled into the nearest drive to get out of traffic she comes rushing up to me saying, “It was my fault, I did not realize the light was red”. She stated that she was worried about getting into the share a ride with the construction ahead and was not even looking at the light. Then she proceeds to tell me that she does not even live in the area, but wanted KFC so she got off on the previous exit and drove through Bridgeport.

For those of you who know our background you can imagine my anger. She ran a red light at 45 MPH at the High School intersection, minutes after school let out! Our son was killed just 100 feet down the same road two years ago! What if one of those students from the High School was crossing at the one and only crosswalk in town, the same crosswalk she just BLEW through to hit me! They would have had no chance against her SUV!

I was proud that I was able to keep my composure and not wrap my hands around her neck and squeeze tightly. I was so angry and distraught, so many bad memories of Dustin’s accident running through my mind. I just grinded my teeth, clenched my fist and tried to be patient as we waited for the police.

She was sited for failure to yield a red light. If the school signs we requested two years ago would have been put in place her citation would have been much worse or maybe just, maybe she would have seen the school signs and been more careful. (We were told by the Saginaw County Road commission that the signs were misleading to motorists)….what a crock of bull!

So this is the second time that I have a smashed car with no means to fix it. I will hopefully get the $500 mini-tort, but that won’t cover the $1500 in damage she caused because she was an idiot! The first time this happened I was hit from the rear at a red light, pushed through the intersection by a driver that had a suspended license!

The no-fault law also kicked us in the ass when Dustin was killed. At that time we did not have a running vehicle, (my husbands transmission went out) so we had no insurance. Since it is a no-fault state we received a mere $1400 to cover his funeral expenses that way exceeded $10,000 and our son was dead.

The state of Michigan says that no-fault insurance helps keep costs down, yet we have some of the highest rates in the country. We as citizens give up our right to sue when involved in an accident (unwillingly). Many of the people that live here don’t even realize what no-fault means. It only helps the person that is AT FAULT! How callous can you be?

The damn insurance companies have you again….all that money you pay them and you can’t even get your car repair when someone else is careless!

Everyday people that can barely scrape by have to pay large sums of money to insurance companies just in case ”there is an event when you need them”. The problem usually is that when you need them, they either bail and find a loophole or just make it so difficult to obtain the money owed to you.

Health Insurance companies get millions of dollars on a daily basis in just premiums, we should know we pay over $700 a month for our BCBS. The problem is that they keep raising the co pay and decreasing the payable benefits. They deny a health procedure if they deem is unnecessary! Who the hell are they to deny a procedure that your doctor recommends because they do not want to pay for it. A prime example is a young lady named Nataline that was in the news last week because she lost her life due to Cigna’s refusal to pay for a liver transplant. For almost a month doctors tried to appeal to Cigna to change their mind, and a rally of people protested outside of their main headquarters. Cigna did then change their mind and said okay to the procedure, but it was futile Nataline died the next day. Read more here. How do these companies have the right to say what procedures are allowed, if you are sick you should be treated! One more example is that we have someone close to us that is in stage four cancer. After radiation when we ask our family member about getting a new bone scan to see if the cancer has slowed in progress and the response was, the insurance will not authorize another one. Are you kidding me!

Automobile insurance is just as bad, how many of you have paid thousands of dollars into your auto policy and never seen a dime back. Well let me tell you that auto insurance is the biggest crock out there, for one if you don’t have full coverage it never helps you anyway, and if you live in a state like Michigan that has no fault insurance your in even more hot water. For one our wonderful BCBS health insurance will not cover you in an auto accident so we have to pay an extra $400 every six months for health insurance through our auto carrier. For another at the time of our sons accident my husband’s truck had thrown the transmission out and we did not have a running vehicle so to save money we canceled the car insurance until we had it running again. WELL BIGGEST MISTAKE OF OUR LIVES! Who was to know some irresponsible driver was going to kill our son that week. See in Michigan YOU carry the insurance to cover your family in the event of an accident, so when the insurance company “ALLSTATE” contacted us, we were entitled to $1700 and that was it! That did not even put a dent in the funeral expenses, they said since we did not have auto insurance we got nothing! It would have been nice to know that before all this happened. Our question was…Why should our insurance pay for the death of our son, we had nothing to do with, and for another Allstate insured a driver that caused the death of another person why should they not pay for the funeral? So now we are stuck still paying insurance premiums, a huge funeral expense and we do not even have our son. How can society put up with this?

You sit down and add up all your insurance costs and then figure out how much the insurance has actually given back and you will see why they are The Mafia under the radar!