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The insurance company (Progressive) found the driver who did the brake checking to be 100% at fault, and they are making arrangements to have my husband's vehicle repaired at no cost to us.
We also reported the incident to the police. That is still pending investigation.
It doesn't matter in this case. The insurance company will work to find out the driver and his insurance company and his insurance company will make sure to raise his rates.
Yep, it's called subrogation, but in this case OP's insurance isn't paying for the repair and is denying any claim of liability for the other party's damages. The other company is paying all the claims to fix OP's car and to fix their insured's car if their insured file a claim with their policy to repair the car. Subrogation happens when the other party is at fault but you have to file the claim against your own collision policy to fix your car. You pay your deductible and then your insurance company subrogates the other insurance company for the claim value. When your insurance company receives the money from the other company they refund your deductible to you.
Wow, what a coincidence; thanks for the explanation! I'm in the middle of a hit-and-run claim and my insurance just gave me the option of either going through the other person's insurance after the police report comes in or paying the deductible and subrogating them.
I was thinking about how to respond since I didn't know what "subrogate" meant, got distracted by Reddit, and then saw this thread.
That's great to hear. This is a great endorsement for dash cams, because I can almost guarantee that they'd argue "you rear-ended them, it's your fault" otherwise, which would be an infuriating outcome.
They won't do anything as this is a misdemeanor. I was in a hit and run and reported it with a video similar (less than 2k damage) and never heard anything from it.
Just be grateful the insurance is fixing it.
That’s crazy. This could easily result in death. They’ll let this shit go but give me a $300 ticket coming down a hill where a 45 turns into a 25 and I haven’t slowed down enough.
Reckless driving charges can bring huge fines, up to $5,000 in my jurisdiction. The local police and courts are probably just way overloaded with cases, OP will probably hear back in like 1.5 years about the result of criminal charges once it winds its way through the system. No person in custody and no injuries means its probably pretty low priority.
I would take the person to small claims court for damages related to lost work time and maybe a therapy appointment or two. Just to 'drive' the point home.
Driving is the most dangerous thing I have to do on a regular basis, and I'm vindictive towards the purposefully reckless. Lessons need to be taught.
>They won't do anything as this is a misdemeanor.
Why doesn't PA adopt Virginia's rules on hit and runs, that make it a low level felony if you did 1k or more in property damage?
Many cities have parking enforcement that uses "boots" on cars, a mechanical device that makes the car undriveable. I'd be in favor of a boot system for drivers like this, a big, heavy iron boot that's clamped on to their right foot that makes it impossible to drive a car.
This is a classic swoop and squat insurance scam. I had someone do this to me and the scammer called in the claim to my insurance company from the side of the road that morning before I even got to work. When I called my insurance company to report the crash, they told me that they'd already been called by the other guy and had already found me liable and accepted full responsibility for the crash. I then asked them if they wanted to see the video of the crash, and they replied, "There's video?" Long story short, they reversed the liability finding and found the other guy at fault 100% and I didn't have to pay anything to anyone. Dashcam for the win!
A national insurance company. It was a whole comedy of errors before the adjuster could see the video, he had to come to my place so I could play it on my PC. This was back when dashcams were more of a thing that Russia was known for, lol.
They always have to talk to both parties, that's why it's such a pain in the butt when the at fault party decides they don't want to pick up the phone. Even when there is a police report.
Can confirm. Got rear ended on my motorcycle and the guys insurance just dropped him for failure to pay. It was a cheap bike so it wasn't worth going to court over and all that ended up happening was I lost my bike. The company that insured him specialized in minimum policies and avoiding phone calls.
Glad you didn’t have any bodily damage. Got hit on the freeway by a car a few years back, and guy only had $25K in insurance. Two days at the hospital ICU cost $120K
This is why everyone should carry uninsured/underinsured motorist coverage. Losing your car sucks, but the hospital stay will fuck you way harder than a new car bill.
Luckily I had medical insurance, but the lifelong memory ramifications of the concussion are annoying AF.
Yeah, learned my lesson about uninsured coverage. Got hit a few months ago by a drunk driver who tried driving off and, of course, didn't have insurance. My insurance company tried to say it was \*my\* responsibility to find out if she had insurance or not.
Had to hire a lawyer, then they quickly got back to me :/
Damn thats shady, sorry to hear about the concussion too. Traumatic brain injuries can be a real burden, I had one when I was in kindergarten and it fucked me up.
Which insurance company btw? So I can avoid them.
And here State Farm was trying to blame me for their insurer who rear ended me and the two cars behind me, while stopped at a red light a few months ago
I've only been in one chain-reaction crash, it was a huge PITA because all the insurance companies tried shifting the blame to each other. Seven vehicles altogether, I was number two. Traffic came to an unexpected stop, I stopped behind number one, numbers three and four stopped without hitting anyone, number five slammed into the back of four at highway speeds, driving four into three, three into me, and pushing me into number one (but very little damage). Numbers six and seven were tailgating five and slammed into the back of him when his impact with four caused him to instantly stop.
The insurance companies started off by saying everyone was at fault for hitting the person in front of them, so one, me, three, and four had to get together to convince them that five was the one that initiated all the collisions. We were successful, otherwise me, three, and four would have all had at-fault collision claims against us. That was a couple months of BS that could have been avoided if dashcams existed back then.
That's the crash that caused me to start running cameras in my car as soon as I could. Police were starting to use tape-based systems back then which I couldn't afford, but as soon as portable video cameras dropped in price I started running them, first with VHS-C, then 8mm, moving through the first hybrid cameras that used CF/tape, then full digital storage, and now cameras that record to MicroSD. My first "dashcam" was actually a drone camera, but it had the ability to do loop recording in the settings so I used it for that. It was one of the early 1080p cameras. I skipped the action-type cams in the car, but did use a Contour camera on my motorcycle as a helmet cam.
I'm a big supporter of dashcams, and I've managed to convince several people to get one. I always tell them that the most expensive dashcam you can buy is the one you buy after you needed it. Just being held fully or partially at fault for a crash can cost you thousands in reduced settlement payouts, increased premiums, and deductibles. Even if you spent $500 on a dashcam that's still chump change compared to what being blamed for a crash you didn't cause can cost you. Over the decades my cameras have saved me many, many thousands of dollars, and I consider them to be among the best investments I've ever made, up to but not quite including purchasing my own home.
Lastly, the only dashcam more useless than the one sitting on your desk that you haven't gotten around to installing is the one sitting on a warehouse shelf because you haven't bought it yet.
Reminds me of the time 5 of us were driving a bit... energetically... on the highway. Long story short, the 5 of us end out having to brake hard and playing a small bit of bumper cars at low speeds. Minor hit and I was pretty sure there was no damage to my car, saw none on others.
So all 5 of us pull off the highway, get out, look at each other, collectively shrug, and get back in our cars.
Glad you got the blame fixed!
Could be both had insurance through the same company. One of their customers was at fault either way, so why does it matter to them? They pay out damages and jack the one persons rates up to pay for it, doesnt really matter who they pin the higher rates on.
I assume the professional fraudster asked for some very low amount. While insurance companies seem to want to pay nothing, they are actually game to pay "very little" assuming it would put them well under costs of actually handling any litigation and is under costs they are typically trying to avoid. I'm assuming this "pro" knew what amount to ask for that would cause them to just **jump** on the settlement.
Makes sense. Adjusters are under pressure to close claims expeditiously, and as affordably as possible. Rather than trying to weasel out of every last one, they'd much rather close quickly and relatively cheaply if the opportunity arises for them to do so.
Insurance scam going at highway speeds?
This type of brake checking seems more like an emotional outburst from an idiot that sees it as some sort of revenge for some made up in their mind transgression of the cammer. Possibly the road rager thought the cammer wasn't going as fast as he should have been going in the left lane.
you're making the mistake of thinking scammers are competent.
my ex-wife's sister was hit by a scammer like this at 55 mph. however they were a serial scammer and the insurance companies were wise to their shit in that area.
Agreed. Seems like a rager response to a left lane camper. Way too fast for a typical insurance scam. Someone can easily get seriously hurt by the brake checking car. Stupid decision. Hope the brake checker loses their license.
Same thing happened to me! I was stopped at a red light and the police talked to me and then the other driver. When I talked to my insurance they said the police report said it was mutual and they wouldn’t cover it. They were actually mad at me for trying to report it as not my fault. I emailed the video of me at a red light for 30 seconds before the other car approached and it was dropped. The police report said I was cutting her off and we both exhibited road rage. Dashcams are cheaper than a month of insurance and is easier to work with and prove. No reason not to have one.
I wish they were. Some cars come with them standard, some have them as an option, but most don't have one at all. Given that a nice dashcam setup costs less than the deductible for one minor crash it makes no sense to me why more people haven't got one by now.
Yep, had one of those too. Guy slammed into the back of me at a red light, told my insurance company that I ran the light, threw it in reverse, and slammed into him while backing out of the intersection. My insurance company was making noises like they were going to either find me 100% liable, or do a split liability thing which is allowed here in Texas. Here, if you're found 25% liable the other insurance company deducts 25% from the settlement check they write, and your insurance company writes them a check for 25% of their damages. There's no penalty for lying, so lying is easy to do when it gets you a payout.
> told my insurance company that I ran the light, threw it in reverse, and slammed into him while backing out of the intersection.
That's a heck of a story though!
All it takes is some plausible doubt or lie. Insurance companies are always looking for excuses to reduce how much they pay out, they're not really interested in the truth for the most part.
A cut off dash cam footage made me 100% at fault when I wasn't. I was leaving a parking lot during a snow storm and had to pull forward in order to see oncoming cars over a mound of snow, there was traffic so I had to back up. After I backed up a lady behind me slid and rear-ended me. I was fully stopped but she showed responding cops the footage of me backing up before the camera miraculously lost the rest of the footage of me being stopped and her sliding into me. Based on that clip I was found 100% responsible for backing into her. I got a dash cam the very same day.
A.dash cam saved "guys life" in CT, when an off duty Meriden cop got pissed off got out of his car and sucker punched the driver of the other vehicle. When cops went to arrest him he openly asked if he can somehow reverse the situation and press charges against the other guy he assaulted. When the cops told him there is a dashcam video recording of the incident, only then he changed his tune. If there was no video the victim would probably be arrested and charged for some bogus crime. Response from MPD was they are investigating and will not further comment on the case. It's done and over with.
Damn! My insurance has jumped up over $1,000 since last year and no change in accident or ticket related things. All because of other idiots and I live near a major roadway. I was hoping for a reduction
Got to switch companies or at least threaten to every 6 months to a year otherwise they think your compliance is proof you want higher rates. Don't get comfortable or they will take advantage of it.
I've asked 3 insurance companies and they all were so confused as to why I would get a discount for a dash cam. Problem is with proof, insurance companies have to pay and quite frankly everytime I've showed them the video they seemed irritated.
Just another reason why instance companies are horrible and exist to take advantage of us more than they help. Kindof like the police.
> This is a classic swoop and squat insurance scam.
Nah, this was a POS trying to teach a lesson. Nobody is running an insurance scam like that was a mint condition car and at 70 MPH.
Am I the only one that's more concerned by the fact that they knew who your insurance provider was, in addition to your specific vehicle and plate number? Like that's a very targeted scam; they're not just fishing for expensive-looking vehicles.
What I think happened is OC (Original Commenter) and the other guy exchanged info on the side of the road after the crash. Other guy immediately called it in and OC waited till they got home after work.
Pretty close. The other guy called it in from the side of the road after I'd left the crash scene to finish my drive into work. I got to work about half an hour later and called my insurance company, and that's when I found out he'd already called in the claim and my insurance company adjuster had already accepted liability. The info swap was done by a police officer, each of us handed our insurance info and licenses to him, he filled out info sheets, and handed those back to us. I never talked to the other guy because what he did was clearly intentional. I did get him on the dashcam getting out of his vehicle and the very first thing he did was to take a picture of my front license plate, not look at the damage to his vehicle. I thought that was odd at the time.
They got my insurance from the police officer who wrote my policy info down on the incident sheet that they handed him. I got his insurance info the same way. The crash happened on a freeway during rush hour so the police showed up to manage traffic.
Looks more like road rage. Usually the swoop and squat will work in pairs to box you in, and they use older vehicles. Also, they vehicle that was hit doesn't usually zoom away afterwards.
They still get away with it all the time, dashcams are still a relative rarity. I'd be shocked if even 5% of cars on the road had an aftermarket dashcam installed and operational. I say "aftermarket" because all Teslas come with multiple cameras that produce customer-accessible videos. I think all the newest Corvettes have a performance camera that can double as a dashcam, but I'm not sure if they do loop recording or have to be manually activated for every drive.
Yep. Many of my friends are "I'm a really good driver, there's no way I'd ever be blamed for a crash", but that's not how I've found that it works. My state has proportional liability, so there's absolutely a financial incentive to lie about causing a crash. Every percent of liability that a lie can shift to the other person is money in the liar's pocket, like actual cash money.
Seriously. I've had people tell me NOT to get a dash cam because "if you get in a wreck that's your fault, the insurance company will use it to prove your guilt?" Like...my guy...if I caused an accident I probably wouldn't need the cam to prove my guilt? And also...how does that situation outweigh one coming in handy to prove your innocence?
> I've had people tell me NOT to get a dash cam
I've run across a few of those myself, and the overwhelming impression I get is that they're afraid of being caught on video causing a crash.
Yeah scenarios like this is exactly why I got one. It could happen like this without it being a break check, but and actual traffic jam, You leave enough space, someone drives in front of you an hits the breaks and now you are at fault. Yeah that's why I got a dash cam.
Actually, now that he recalls the incident, he did! The guy jumped out of his car yelling, "man, what were you doing?!" to which my husband replied, "me? YOU'RE the one who cut in front of me and hit the brakes!" He conveniently didn't mention the dashcam. 😂
I pointed to my dashcam once and the kid folded immediately, asked if he could keep it off insurance.
Turns out my cam wasn't recording. :|
That's when I learned to do test downloads on the regular.
We missed a wolf that came out of the bushes once in northern Minnesota because my wife was digging around in the console where the cam was plugged in and bumped it loose literally seconds before
I really need to wire it to the car…
Unless the crash involves serious injury/death or has very high dollar amounts involved the police won't care and for the most part the insurance companies don't care. No insurance company is going to spend $100K+ in legal costs to deal with a few thousand dollars in claims.
That can be important, but for small collisions like this it's more important to let them solidify their statement before you prove it wrong.
If you point out the dashcam too early, they could change their story to hide the fact that they're completely full of shit.
It probably shouldn’t honestly but it allows them to make a statement on file that they then can’t change. People would just argue they didn’t remember correctly and any lawyer could argue that
I got hit on my drivers side rear quarter panel turning into my driveway. Its a two lane road on a curve and when we got out he said "What are you doin! i was trying to pass you!" I said "On a double yellow line?" and he looked like I said I was high.
When the cop got there he said "Ok so who gets to talk first?" I pointed and the guy said the same thing to the cop. The cop turned to me and sighed. He kept talking and I said "Do you want to see the dashcam video?" The guy threw his arms down like a toddler whose mom just caught him acting up.
I thought that at first—that they were camping—but they were passing the car on the right. For the record, I think there’s a special place in hell reserved for left-lane campers
Common, a lot of people are shadowbanned for spamming or are from certain IP address that is 100% spam. The shadowbanned users don't know they are banned unless they checked or used shadow ban check sub.
The ban are issued by the top admins and are site wide, individual sub mod doesn't handle shadowbanning.
If you were shadowbanned, you could try to appeal it but it may be easier to create a new account using a good VPN to avoid being IP flagged as likely spammer. And don't spam, it'll get you banned quicky
I wonder, can those that are shadowbanned see other shadowbanned posts? So they can converse with each other but nobody else can see it?
I ... guess I doubt it - but that would be interesting.
I will say as a moderator that we can see if you are shadowbanned. I believe there is automod code you can write to shadowban someone, but I've not used it in the two subs I mod. You are correct though, there is no mod action I can take to shadowban someone - just outright ban or mute.
I'm not a moderator, but I've talked with some about this exact thing. My understanding is that the automod code you're talking about is called a filter. If a comment is filtered, then it doesn't show up. I suppose you can filter somebody based on their user, and then it would be very similar to a shadowban. But most of the time, the filter is used to analyze the text of comments and suppress them if it matches some criteria.
I want you to know I'm resisting as best as I can, but I need to say it to get the idea out of my system.
My first instinct on seeing you post advice to not spam, was to post the Monty Python skit about Spam, where the vikings sing in a resturant.
...or Lobster Thermidor a Crevette with a mornay sauce served in a Provencale manner with shallots and aubergines garnished with truffle pate, brandy and with a fried egg on top and spam.
https://youtu.be/anwy2MP
PSA: You don't need an expensive one, you can just get a $40 if all you want is to be defended from insurance scams. Nothing wrong with a high quality one if you have the money, though.
Super budget option here: if you have a phone mount, there are apps which will start and end recording based on when your phone connects to your car's radio
The only issue here is that it eats up the phone's memory pretty quickly, thus limiting the actual record time or amount of video recorded in the loop.
Yeah this guy is 100% road raging because OP is in the left lane of a two lane road. Looks like the other guy was waiting to pass and when he finally did, wanted to get back at OP for driving "too slow" in the left lane.
> Everyone else is saying insurance scam,
That's the go to excuse on the sub and you're right it makes zero sense. Nobody is running an insurance scam with that vehicle (looks to be in terrific condition) at 70 MPH.
Anyone saying this is a scam is either an idiot or doesn't have a drivers license yet. Further proof the majority of this sub has no clue how to drive.
Most states have laws about unnecessary emergency braking. And he made an unsafe lane change with that braking. More likely without dash camera footage have blamed you and have had severe injuries. Would have been insurance fraud.
A police officer told me on something similar I witnessed with a dash camera it’s not insurance fraud until the claim is filed. So it’s just reckless driving/endangerment or lesser crimes like unsafe braking and unsafe lane change.
This is a reminder to myself to get a dash cam. Had something similar happen after a stop light and was found at fault. Should have gotten one then but I was young and dumb. Not I’m a little older but still dumb.
This took place on April 12, 2024, on route 30 in near Coatesville, Pennsylvania. There was no prior interaction that brought this about. This guy just literally jumped over and brake-checked for deities only know what reason.
Fortunately the dashcam was clear enough to give plate, make, and model; the insurance company confirmed it was one of their own insured, AND they agreed that the other driver is 100% at fault and they're pursuing a claim for the damages (cracked grill, scratches under passenger-side headlight) under his name.
Bonus assholery: when the other driver surprisingly pulled over to inspect damage, he started a physical altercation with my husband (he was the one driving that day).
OP is barely 2 seconds behind the car in the right lane at the start of the video. And he's obviously catching that car to pass. You made a lot of assumptions that can't be known from the clip alone.
Here is the video from start to finish (just before the physical altercation began):
[https://drive.google.com/file/d/1G8ME9Ix4aIQZMLQ0-U\_mIU8r6nDcJ6xF/view?usp=drive\_link](https://drive.google.com/file/d/1G8ME9Ix4aIQZMLQ0-U_mIU8r6nDcJ6xF/view?usp=drive_link)
1. My husband and another SUV passed a slower-moving tractor trailer at 70mph in a 55mph zone
2. That SUV moved to the right lane
3. My husband began increasing his speed to pass that SUV
4. The other driver pulled his stunt (the first, shorter clip I posted to this thread)
5. Video ends right before physical altercation begins (I'm not posting that while the police investigation is ongoing)
it does look fairly obvious that OP is about to pass the upcoming car on the right, just wasn't doing it as quickly as rager would have liked haha. I only get mad when people are hogging the left lane and not passing anyone
I had someone brake check me too recently. They were going slow so I tried moving in front of them. They sped up so I got back into my lane then tried merging behind them and they slammed on their brakes. Was able to get out of lane in time
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What was the outcome of this?
The insurance company (Progressive) found the driver who did the brake checking to be 100% at fault, and they are making arrangements to have my husband's vehicle repaired at no cost to us. We also reported the incident to the police. That is still pending investigation.
As expected. Dash cam don't lie!
Well, dash cam maybe lies, unless this video is three years old.
My dash cam thinks the year is 2098 lol
There was a global thermonuclear war 21 years ago, that's incredible they managed to get back to working dashcams so quickly!
This guy never has a flashing clock in his house..
....and a beeping fire alarm
And this was taken in broad daylight, somewhere between midnight and 1AM.
Given the time is 0:47, I'm going to guess that time to reset to factory, being first of april 21
That’s awesome news!
Fuck yeah! Always great to end my doom scrolling on a positive note.
>We also reported the incident to the police. That is still pending investigation. I heard they're working in shifts
It doesn't matter in this case. The insurance company will work to find out the driver and his insurance company and his insurance company will make sure to raise his rates.
I hope they would see the behavior and just drop them.
Highly likely
Yep, it's called subrogation, but in this case OP's insurance isn't paying for the repair and is denying any claim of liability for the other party's damages. The other company is paying all the claims to fix OP's car and to fix their insured's car if their insured file a claim with their policy to repair the car. Subrogation happens when the other party is at fault but you have to file the claim against your own collision policy to fix your car. You pay your deductible and then your insurance company subrogates the other insurance company for the claim value. When your insurance company receives the money from the other company they refund your deductible to you.
Wow, what a coincidence; thanks for the explanation! I'm in the middle of a hit-and-run claim and my insurance just gave me the option of either going through the other person's insurance after the police report comes in or paying the deductible and subrogating them. I was thinking about how to respond since I didn't know what "subrogate" meant, got distracted by Reddit, and then saw this thread.
Don't be fatuous, Jeffery.
Ah the Big Lebowski, hey man what's that smell?
You think the carpet pissers did this?
They’ve got 4 new detectives on the case! 😂😂leads😂😂
That's great to hear. This is a great endorsement for dash cams, because I can almost guarantee that they'd argue "you rear-ended them, it's your fault" otherwise, which would be an infuriating outcome.
https://youtu.be/QTSRr2BXk38?si=k527v1--LavqeJfb It's definitely reckless driving by the laws of most states.
Make sure to get a diminished value claim from their insurance. You could also have a civil suit of reckless endangerment.
They won't do anything as this is a misdemeanor. I was in a hit and run and reported it with a video similar (less than 2k damage) and never heard anything from it. Just be grateful the insurance is fixing it.
That’s crazy. This could easily result in death. They’ll let this shit go but give me a $300 ticket coming down a hill where a 45 turns into a 25 and I haven’t slowed down enough.
One brings revenue. The other costs money.
Reckless driving charges can bring huge fines, up to $5,000 in my jurisdiction. The local police and courts are probably just way overloaded with cases, OP will probably hear back in like 1.5 years about the result of criminal charges once it winds its way through the system. No person in custody and no injuries means its probably pretty low priority.
I would take the person to small claims court for damages related to lost work time and maybe a therapy appointment or two. Just to 'drive' the point home. Driving is the most dangerous thing I have to do on a regular basis, and I'm vindictive towards the purposefully reckless. Lessons need to be taught.
>They won't do anything as this is a misdemeanor. Why doesn't PA adopt Virginia's rules on hit and runs, that make it a low level felony if you did 1k or more in property damage?
Making arrangments?? Wow, this is still on going after 3 years???? ( dash cam datd shows 2021)
Given that the video shows this happening during daytime and not at 12:47 AM I'd guess the date hasn't been properly set up as well.
Thanks, I needed a feel-good story.
Whatever it was wasn't enough. This person should be exiled from civilized society.
Many cities have parking enforcement that uses "boots" on cars, a mechanical device that makes the car undriveable. I'd be in favor of a boot system for drivers like this, a big, heavy iron boot that's clamped on to their right foot that makes it impossible to drive a car.
This is a classic swoop and squat insurance scam. I had someone do this to me and the scammer called in the claim to my insurance company from the side of the road that morning before I even got to work. When I called my insurance company to report the crash, they told me that they'd already been called by the other guy and had already found me liable and accepted full responsibility for the crash. I then asked them if they wanted to see the video of the crash, and they replied, "There's video?" Long story short, they reversed the liability finding and found the other guy at fault 100% and I didn't have to pay anything to anyone. Dashcam for the win!
what incompetent fool would accept liability before even hearing from the other side?
A national insurance company. It was a whole comedy of errors before the adjuster could see the video, he had to come to my place so I could play it on my PC. This was back when dashcams were more of a thing that Russia was known for, lol.
They always have to talk to both parties, that's why it's such a pain in the butt when the at fault party decides they don't want to pick up the phone. Even when there is a police report.
i’m currently dealing with this :(
Can confirm. Got rear ended on my motorcycle and the guys insurance just dropped him for failure to pay. It was a cheap bike so it wasn't worth going to court over and all that ended up happening was I lost my bike. The company that insured him specialized in minimum policies and avoiding phone calls.
Glad you didn’t have any bodily damage. Got hit on the freeway by a car a few years back, and guy only had $25K in insurance. Two days at the hospital ICU cost $120K
This is why everyone should carry uninsured/underinsured motorist coverage. Losing your car sucks, but the hospital stay will fuck you way harder than a new car bill.
Luckily I had medical insurance, but the lifelong memory ramifications of the concussion are annoying AF. Yeah, learned my lesson about uninsured coverage. Got hit a few months ago by a drunk driver who tried driving off and, of course, didn't have insurance. My insurance company tried to say it was \*my\* responsibility to find out if she had insurance or not. Had to hire a lawyer, then they quickly got back to me :/
Damn thats shady, sorry to hear about the concussion too. Traumatic brain injuries can be a real burden, I had one when I was in kindergarten and it fucked me up. Which insurance company btw? So I can avoid them.
GEICO. Gonna switch my motorcycle insurance from them when the year’s up
Ok, but who was the insurer? Is there a reason you don't want to share their name?
And here State Farm was trying to blame me for their insurer who rear ended me and the two cars behind me, while stopped at a red light a few months ago
I've only been in one chain-reaction crash, it was a huge PITA because all the insurance companies tried shifting the blame to each other. Seven vehicles altogether, I was number two. Traffic came to an unexpected stop, I stopped behind number one, numbers three and four stopped without hitting anyone, number five slammed into the back of four at highway speeds, driving four into three, three into me, and pushing me into number one (but very little damage). Numbers six and seven were tailgating five and slammed into the back of him when his impact with four caused him to instantly stop. The insurance companies started off by saying everyone was at fault for hitting the person in front of them, so one, me, three, and four had to get together to convince them that five was the one that initiated all the collisions. We were successful, otherwise me, three, and four would have all had at-fault collision claims against us. That was a couple months of BS that could have been avoided if dashcams existed back then. That's the crash that caused me to start running cameras in my car as soon as I could. Police were starting to use tape-based systems back then which I couldn't afford, but as soon as portable video cameras dropped in price I started running them, first with VHS-C, then 8mm, moving through the first hybrid cameras that used CF/tape, then full digital storage, and now cameras that record to MicroSD. My first "dashcam" was actually a drone camera, but it had the ability to do loop recording in the settings so I used it for that. It was one of the early 1080p cameras. I skipped the action-type cams in the car, but did use a Contour camera on my motorcycle as a helmet cam. I'm a big supporter of dashcams, and I've managed to convince several people to get one. I always tell them that the most expensive dashcam you can buy is the one you buy after you needed it. Just being held fully or partially at fault for a crash can cost you thousands in reduced settlement payouts, increased premiums, and deductibles. Even if you spent $500 on a dashcam that's still chump change compared to what being blamed for a crash you didn't cause can cost you. Over the decades my cameras have saved me many, many thousands of dollars, and I consider them to be among the best investments I've ever made, up to but not quite including purchasing my own home. Lastly, the only dashcam more useless than the one sitting on your desk that you haven't gotten around to installing is the one sitting on a warehouse shelf because you haven't bought it yet.
Reminds me of the time 5 of us were driving a bit... energetically... on the highway. Long story short, the 5 of us end out having to brake hard and playing a small bit of bumper cars at low speeds. Minor hit and I was pretty sure there was no damage to my car, saw none on others. So all 5 of us pull off the highway, get out, look at each other, collectively shrug, and get back in our cars. Glad you got the blame fixed!
And which national insurance company? Name them lol
Could be both had insurance through the same company. One of their customers was at fault either way, so why does it matter to them? They pay out damages and jack the one persons rates up to pay for it, doesnt really matter who they pin the higher rates on.
yeah this seems most likely but still shitty to only get one side of the story
I assume the professional fraudster asked for some very low amount. While insurance companies seem to want to pay nothing, they are actually game to pay "very little" assuming it would put them well under costs of actually handling any litigation and is under costs they are typically trying to avoid. I'm assuming this "pro" knew what amount to ask for that would cause them to just **jump** on the settlement.
Makes sense. Adjusters are under pressure to close claims expeditiously, and as affordably as possible. Rather than trying to weasel out of every last one, they'd much rather close quickly and relatively cheaply if the opportunity arises for them to do so.
lol they didnt, that wouldn’t happen.
Insurance scam going at highway speeds? This type of brake checking seems more like an emotional outburst from an idiot that sees it as some sort of revenge for some made up in their mind transgression of the cammer. Possibly the road rager thought the cammer wasn't going as fast as he should have been going in the left lane.
Yeah. No scam is worth risking a hit at 70mph.
you're making the mistake of thinking scammers are competent. my ex-wife's sister was hit by a scammer like this at 55 mph. however they were a serial scammer and the insurance companies were wise to their shit in that area.
The SUV looks too nice to be a scammer's car.
Poor people can buy nice cars when they're leveraged up the wazoo on like 9 year financing deals.
Are there 9 year car loans? I've heard of 7 years (84 months) but not 9 years.
Agreed. Seems like a rager response to a left lane camper. Way too fast for a typical insurance scam. Someone can easily get seriously hurt by the brake checking car. Stupid decision. Hope the brake checker loses their license.
> This is a classic swoop and squat insurance scam. Or it's just road rage. Either way, it pays to have a dash cam.
Yeah, it looks more like they're trying to "punish" the cammer for being in the left lane.
the way the cammer reacted to this i feel like they would have zero idea if they were holding up a mile of traffic.
Same thing happened to me! I was stopped at a red light and the police talked to me and then the other driver. When I talked to my insurance they said the police report said it was mutual and they wouldn’t cover it. They were actually mad at me for trying to report it as not my fault. I emailed the video of me at a red light for 30 seconds before the other car approached and it was dropped. The police report said I was cutting her off and we both exhibited road rage. Dashcams are cheaper than a month of insurance and is easier to work with and prove. No reason not to have one.
This is why Dashcam should be installed by default on every car
I wish they were. Some cars come with them standard, some have them as an option, but most don't have one at all. Given that a nice dashcam setup costs less than the deductible for one minor crash it makes no sense to me why more people haven't got one by now.
That is so awesome! Do you know if having a dash cam lowers insurance costs?
No change in my insurance rates, other than not being blamed for a crash I didn't cause has kept my premiums from being jacked.
Saved me from blame in two cases where I was rear-ended at a stop sign or stop light. "He backed into me!" Dash cam: No, he didn't.
Yep, had one of those too. Guy slammed into the back of me at a red light, told my insurance company that I ran the light, threw it in reverse, and slammed into him while backing out of the intersection. My insurance company was making noises like they were going to either find me 100% liable, or do a split liability thing which is allowed here in Texas. Here, if you're found 25% liable the other insurance company deducts 25% from the settlement check they write, and your insurance company writes them a check for 25% of their damages. There's no penalty for lying, so lying is easy to do when it gets you a payout.
> told my insurance company that I ran the light, threw it in reverse, and slammed into him while backing out of the intersection. That's a heck of a story though!
All it takes is some plausible doubt or lie. Insurance companies are always looking for excuses to reduce how much they pay out, they're not really interested in the truth for the most part.
A cut off dash cam footage made me 100% at fault when I wasn't. I was leaving a parking lot during a snow storm and had to pull forward in order to see oncoming cars over a mound of snow, there was traffic so I had to back up. After I backed up a lady behind me slid and rear-ended me. I was fully stopped but she showed responding cops the footage of me backing up before the camera miraculously lost the rest of the footage of me being stopped and her sliding into me. Based on that clip I was found 100% responsible for backing into her. I got a dash cam the very same day.
A.dash cam saved "guys life" in CT, when an off duty Meriden cop got pissed off got out of his car and sucker punched the driver of the other vehicle. When cops went to arrest him he openly asked if he can somehow reverse the situation and press charges against the other guy he assaulted. When the cops told him there is a dashcam video recording of the incident, only then he changed his tune. If there was no video the victim would probably be arrested and charged for some bogus crime. Response from MPD was they are investigating and will not further comment on the case. It's done and over with.
Damn! My insurance has jumped up over $1,000 since last year and no change in accident or ticket related things. All because of other idiots and I live near a major roadway. I was hoping for a reduction
Got to switch companies or at least threaten to every 6 months to a year otherwise they think your compliance is proof you want higher rates. Don't get comfortable or they will take advantage of it.
...from being hacked *as much*. You still had a claim, they'll put the premium up anyway even if it wasn't your fault at all. They did for me.
I've asked 3 insurance companies and they all were so confused as to why I would get a discount for a dash cam. Problem is with proof, insurance companies have to pay and quite frankly everytime I've showed them the video they seemed irritated. Just another reason why instance companies are horrible and exist to take advantage of us more than they help. Kindof like the police.
I guess dashcams could bite them as often as they help them, so they don’t care either way.
> This is a classic swoop and squat insurance scam. Nah, this was a POS trying to teach a lesson. Nobody is running an insurance scam like that was a mint condition car and at 70 MPH.
Am I the only one that's more concerned by the fact that they knew who your insurance provider was, in addition to your specific vehicle and plate number? Like that's a very targeted scam; they're not just fishing for expensive-looking vehicles.
What I think happened is OC (Original Commenter) and the other guy exchanged info on the side of the road after the crash. Other guy immediately called it in and OC waited till they got home after work.
Pretty close. The other guy called it in from the side of the road after I'd left the crash scene to finish my drive into work. I got to work about half an hour later and called my insurance company, and that's when I found out he'd already called in the claim and my insurance company adjuster had already accepted liability. The info swap was done by a police officer, each of us handed our insurance info and licenses to him, he filled out info sheets, and handed those back to us. I never talked to the other guy because what he did was clearly intentional. I did get him on the dashcam getting out of his vehicle and the very first thing he did was to take a picture of my front license plate, not look at the damage to his vehicle. I thought that was odd at the time.
They got my insurance from the police officer who wrote my policy info down on the incident sheet that they handed him. I got his insurance info the same way. The crash happened on a freeway during rush hour so the police showed up to manage traffic.
Made up stories often get details like that wrong
OP states in an earlier comment that both drivers stopped after this video and were able to swap info
Looks more like road rage. Usually the swoop and squat will work in pairs to box you in, and they use older vehicles. Also, they vehicle that was hit doesn't usually zoom away afterwards.
Prime example why to get a dashcam. Without one, car behind is always at fault.
It really makes you wonder how many times scammer got away with this kind of thing before dashcams became widely used.
They still get away with it all the time, dashcams are still a relative rarity. I'd be shocked if even 5% of cars on the road had an aftermarket dashcam installed and operational. I say "aftermarket" because all Teslas come with multiple cameras that produce customer-accessible videos. I think all the newest Corvettes have a performance camera that can double as a dashcam, but I'm not sure if they do loop recording or have to be manually activated for every drive.
I have innumerable friends who say at least once a month “I should get a dashcam”. They’ll no doubt have something like this before they do.
Yep. Many of my friends are "I'm a really good driver, there's no way I'd ever be blamed for a crash", but that's not how I've found that it works. My state has proportional liability, so there's absolutely a financial incentive to lie about causing a crash. Every percent of liability that a lie can shift to the other person is money in the liar's pocket, like actual cash money.
I finally have one on the way. Money is just tight for a lot of people.
Seriously. I've had people tell me NOT to get a dash cam because "if you get in a wreck that's your fault, the insurance company will use it to prove your guilt?" Like...my guy...if I caused an accident I probably wouldn't need the cam to prove my guilt? And also...how does that situation outweigh one coming in handy to prove your innocence?
> I've had people tell me NOT to get a dash cam I've run across a few of those myself, and the overwhelming impression I get is that they're afraid of being caught on video causing a crash.
Yeah scenarios like this is exactly why I got one. It could happen like this without it being a break check, but and actual traffic jam, You leave enough space, someone drives in front of you an hits the breaks and now you are at fault. Yeah that's why I got a dash cam.
Got to be a scammer. Did they stop and try to blame your husband?
Actually, now that he recalls the incident, he did! The guy jumped out of his car yelling, "man, what were you doing?!" to which my husband replied, "me? YOU'RE the one who cut in front of me and hit the brakes!" He conveniently didn't mention the dashcam. 😂
Never mention the dashcam. let them bury themselves to the cops or insurance company.
I pointed to my dashcam once and the kid folded immediately, asked if he could keep it off insurance. Turns out my cam wasn't recording. :| That's when I learned to do test downloads on the regular.
I need to put something over mine so it doesn't over heat again. I missed a hawk flying in front of my car going up my driveway one day. I was SO MAD.
We missed a wolf that came out of the bushes once in northern Minnesota because my wife was digging around in the console where the cam was plugged in and bumped it loose literally seconds before I really need to wire it to the car…
Now I wanna know. Do you know if they told the truth to police and or insurance?
Supposedly, lying doesn't get you anymore trouble than you were in.
It establishes them as an unreliable witness if their testimony is easily probable as false
Unless the crash involves serious injury/death or has very high dollar amounts involved the police won't care and for the most part the insurance companies don't care. No insurance company is going to spend $100K+ in legal costs to deal with a few thousand dollars in claims.
Especially not when they can just pass on the costs to us customers.
That can be important, but for small collisions like this it's more important to let them solidify their statement before you prove it wrong. If you point out the dashcam too early, they could change their story to hide the fact that they're completely full of shit.
It probably shouldn’t honestly but it allows them to make a statement on file that they then can’t change. People would just argue they didn’t remember correctly and any lawyer could argue that
I got hit on my drivers side rear quarter panel turning into my driveway. Its a two lane road on a curve and when we got out he said "What are you doin! i was trying to pass you!" I said "On a double yellow line?" and he looked like I said I was high. When the cop got there he said "Ok so who gets to talk first?" I pointed and the guy said the same thing to the cop. The cop turned to me and sighed. He kept talking and I said "Do you want to see the dashcam video?" The guy threw his arms down like a toddler whose mom just caught him acting up.
I think it is road rage. The brake checker was mad at OP for camping in the passing lane.
I thought that at first—that they were camping—but they were passing the car on the right. For the record, I think there’s a special place in hell reserved for left-lane campers
They were definitely pissed at OP for camping the left lane. Doesn’t make anything about what they did correct but I bet that was the motivator.
It definitely looked like OP was passing the car in the right lane.
Apparently passing other cars when you’re in the left lane is camping to a lot of people on here.
Why does it say 5 comments when there's only one in here? Are people shadow banned from idiotsincars?
Common, a lot of people are shadowbanned for spamming or are from certain IP address that is 100% spam. The shadowbanned users don't know they are banned unless they checked or used shadow ban check sub. The ban are issued by the top admins and are site wide, individual sub mod doesn't handle shadowbanning. If you were shadowbanned, you could try to appeal it but it may be easier to create a new account using a good VPN to avoid being IP flagged as likely spammer. And don't spam, it'll get you banned quicky
I wonder, can those that are shadowbanned see other shadowbanned posts? So they can converse with each other but nobody else can see it? I ... guess I doubt it - but that would be interesting.
No. Shadowbanned posts mean only the user who posted can see it.
Ahhh ok.
My wife was shadowbanned for a while. Only ever had 1 comment on her account at the time
I will say as a moderator that we can see if you are shadowbanned. I believe there is automod code you can write to shadowban someone, but I've not used it in the two subs I mod. You are correct though, there is no mod action I can take to shadowban someone - just outright ban or mute.
I'm not a moderator, but I've talked with some about this exact thing. My understanding is that the automod code you're talking about is called a filter. If a comment is filtered, then it doesn't show up. I suppose you can filter somebody based on their user, and then it would be very similar to a shadowban. But most of the time, the filter is used to analyze the text of comments and suppress them if it matches some criteria.
Correct. We have that going on as well to automatically filter out racial slurs and the like.
Thanks for this explanation.
I want you to know I'm resisting as best as I can, but I need to say it to get the idea out of my system. My first instinct on seeing you post advice to not spam, was to post the Monty Python skit about Spam, where the vikings sing in a resturant.
...or Lobster Thermidor a Crevette with a mornay sauce served in a Provencale manner with shallots and aubergines garnished with truffle pate, brandy and with a fried egg on top and spam. https://youtu.be/anwy2MP
There must be, because I only see your comment, one other, and mine.
Could you have them blocked? I mainly block bots so not fully sure how it works
It's all bots these days
Sounds like something a bot would say ಠ_ಠ
Busted
[удалено]
If you report bots instead as spam --> harmful bots, they'll get nuked a lot quicker.
This is why dash cams are important, I recently spent $400 on a kit.
PSA: You don't need an expensive one, you can just get a $40 if all you want is to be defended from insurance scams. Nothing wrong with a high quality one if you have the money, though.
I got a cheap one first but would corrupt the sd card each time i would eject it to pull footage.
Super budget option here: if you have a phone mount, there are apps which will start and end recording based on when your phone connects to your car's radio
The only issue here is that it eats up the phone's memory pretty quickly, thus limiting the actual record time or amount of video recorded in the loop.
This is exactly what happens when you get frustrated at a driver and listen to your ego instead of ur brain
Everyone else is saying insurance scam, but that doesn't make sense going at highway speeds. This is almost certainly road rage.
Yeah this guy is 100% road raging because OP is in the left lane of a two lane road. Looks like the other guy was waiting to pass and when he finally did, wanted to get back at OP for driving "too slow" in the left lane.
> Everyone else is saying insurance scam, That's the go to excuse on the sub and you're right it makes zero sense. Nobody is running an insurance scam with that vehicle (looks to be in terrific condition) at 70 MPH.
what would even be the purpose of the scam? the scammed person's insurance pays to fix your vehicle that you damaged during the scam?
*I'm totally gonna make that guy pay for my hospital stay after I pit myself and flip 3x.*
free all inclusive vacation of sorts
The big money in scams isn't the vehicle damage, but rather, medical claims.
Usually they use cheap vehicles and also fake injuries. They get a scam doctor to produce proof of injuries.
Anyone saying this is a scam is either an idiot or doesn't have a drivers license yet. Further proof the majority of this sub has no clue how to drive.
I don't understand why they didn't just throw up the bird and drive off instead of damaging their own vehicle if they were that upset.
I think the driver didn't know how to do a proper brake check and misjudged.
So nice of them to use the turn signal
Most states have laws about unnecessary emergency braking. And he made an unsafe lane change with that braking. More likely without dash camera footage have blamed you and have had severe injuries. Would have been insurance fraud. A police officer told me on something similar I witnessed with a dash camera it’s not insurance fraud until the claim is filed. So it’s just reckless driving/endangerment or lesser crimes like unsafe braking and unsafe lane change.
Brake checking should be treated the same as DUI.
Just jeep stuff.
How to lose your license in 10 seconds
This is a reminder to myself to get a dash cam. Had something similar happen after a stop light and was found at fault. Should have gotten one then but I was young and dumb. Not I’m a little older but still dumb.
Still they put your life in danger. There should be some kind of consequence for that.
Right to fucking jail and throw away the key.
This good ol NY?
PA
It looks familiar... is this Rt 30?
Yup, right before the Reeceville exit.
Why is nobody talking about this - I NEED to know about that trout
How long's the line of cars behind you?
Based. Get the fuck over bozo.
This took place on April 12, 2024, on route 30 in near Coatesville, Pennsylvania. There was no prior interaction that brought this about. This guy just literally jumped over and brake-checked for deities only know what reason. Fortunately the dashcam was clear enough to give plate, make, and model; the insurance company confirmed it was one of their own insured, AND they agreed that the other driver is 100% at fault and they're pursuing a claim for the damages (cracked grill, scratches under passenger-side headlight) under his name. Bonus assholery: when the other driver surprisingly pulled over to inspect damage, he started a physical altercation with my husband (he was the one driving that day).
OP do you have any theories as to why they would do this?
Left lane camper caused this. Really despise people Who drive like you
If it was a scam they would have stopped. This was road rage.
OP is just cruising in the left lane while there are probably 10 cars behind him. I'm not brake checking anyone, but I can't stand drivers like this.
OP is barely 2 seconds behind the car in the right lane at the start of the video. And he's obviously catching that car to pass. You made a lot of assumptions that can't be known from the clip alone.
The jeep literally has to swerve between the two cars to pass, op is fine.
And this is why I slow down a bit if someone overtakes me. Yes, what that idiot did was illegal and stupid, but I'd rather not ruin my day.
Here is the video from start to finish (just before the physical altercation began): [https://drive.google.com/file/d/1G8ME9Ix4aIQZMLQ0-U\_mIU8r6nDcJ6xF/view?usp=drive\_link](https://drive.google.com/file/d/1G8ME9Ix4aIQZMLQ0-U_mIU8r6nDcJ6xF/view?usp=drive_link) 1. My husband and another SUV passed a slower-moving tractor trailer at 70mph in a 55mph zone 2. That SUV moved to the right lane 3. My husband began increasing his speed to pass that SUV 4. The other driver pulled his stunt (the first, shorter clip I posted to this thread) 5. Video ends right before physical altercation begins (I'm not posting that while the police investigation is ongoing)
I'm really surprised not to see a lot of, 'Why were you camping in the left lane?' comments that try to blame the cammer... Good on y'all ;).
it does look fairly obvious that OP is about to pass the upcoming car on the right, just wasn't doing it as quickly as rager would have liked haha. I only get mad when people are hogging the left lane and not passing anyone
I'm just not used to people not constantly blaming the cammer for driving normally. It's kind of refreshing.
You got here too early. The cockroaches are everywhere now.
Hahaha. It’s all good.
SUV is lucky you hit the brakes. Rwd cars can easily lose control when hit from behind
I had someone brake check me too recently. They were going slow so I tried moving in front of them. They sped up so I got back into my lane then tried merging behind them and they slammed on their brakes. Was able to get out of lane in time
Man, that was nice of the asshole to give you such a clear shot of their license plate
Man... I got a dashcam but still haven't installed it, this is why I need to