Updating from "Stop making a big deal..." and how much I "love" insurance!

Anyhow, it's been a while and now it's back to me! The Turkish Grand Prix is on its way and I'm hoping to see Ferrari and McLaren go at it again (And me cheering for Kimi!). I'm teaching some people on how to do well on standardized tests, and I'm just working out in general...

Anyhow, I pick up the letters from the mailbox yesterday and I discover that we have received a letter saying that we are 100% at fault for the accident that occurred over a month ago. That's fine, with us. If you hit someone from behind, it's your fault with the exception of the taillights of the car in front not working. The damage was tagged at under $50 so it doesn't really affect us, as in, the damage was so very tiny that the insurance company won't take our premiums up because this is the first accident that my mother's been involved in almost 15 years. P.L. and her husband, Q.L. have indeed reported the "damage" from the incident. I didn't think they would go that far, but hey, they have shown that they can be cheap people!

Anyways, my mother calls up the insurance company to once again, tell them that she has nothing to claim because a claim form came with the letter. After logging almost an hour of phone time going from one customer service rep to another because "it is not their department" or some other excuse. The file number is given, my mom asks for what the other party has been claiming because she is curious and then she is sent to someone else because of something or another.

After going through confirmation, file numbers, names, secret codes, whathaveyou and the likes of it, we find out that P.L. and Q.L. are still negotiating with their insurance company on how much they should be given! For the rest of the day yesterday, I was just in a happy mood and nothing could have made me upset simply because of this! It is my assumption that maybe, in the past, they have given exaggerated claims, and the insurance company will want to investigate the claims to make sure.

It's been over 40 days since the incident and after thinking this through, and from the sorry state of her vehicle, I am assuming that P.L. has been in quite a few accidents where she was the one to blame, and therefore, her premiums were way up.

When this incident occurred, she wanted to get revenge, and immediately went to the collision reporting centre (CRC), knowing full well that we wouldn't want to get the insurance company involved, and going to the CRC for us would be the last thing we would want to do. Unfortunately for her, she talked too much there and we got a phone call saying that the incident has been reported and there is an inconsistency in the story. We reported the accident so that the insurance company can have both sides of the story. A really lucky move for us! We also mentioned that her right taillight was not functioning when the incident happened, which could probably bring them under scrutiny. I would also assume that the damage they are reporting is not consistent with our damage. They might have even reported the chipped paint on their back bumper, which even the hood of my mom's car can't reach is the damage! I'm so glad the CRC showed how high off the ground the damage of her car was!

Over 40 days have gone by this very minor accident, I've moved on, my mom's moved on, but P.L. and Q.L. are still in negotiation with their insurance company about this incident. Day in, day out, they are probably on the phone trying to see what to say next. Quite amazing when you see that certain people have an objective in mind when something minor happens. C'est la vie!

The plans of a scammer have been thwarted. We did not want this to go to the CRC, but they went and banked on the hope that we won't go and only their exaggerated side of the story would be present when they go to the insurance company. Funnily enough, we went to report this in order to put their exaggerated claims into perspective and now they are having a hard time at receiving anything, rightfully so. I'm just hoping that their claims are so heavily exaggerated (Such as maybe hammering the back bumper so much to destroy it) that it could be considered fraud and have the case simply thrown out! I only hope the case is thrown out and nothing else. I don't want the law to get involved with this for their sake.

Anyhow, Turkish Grand Prix coming up! P.L. and Q.L. are still going at it with the insurance, which is probably not budging on them, and I'm away! Ciao, Prego!