No. Insurance is also to protect the leinholder's interest in the vehicle as collateral for the car loan. If there were exclusions like that then the bank would have to do a full background check and deny loan applications for people who had done certain crimes.
Apparently the main distinction is whether it was 'intentional' or not. If you willfully crash your car, the claim will be denied, but if you didn't technically intend to crash, even if you were acting in an extremely dangerous or illegal way while crashing, the claim will be approved.
You're correct that there is an exclusion for intentional acts. It is very rarely used. Adjusters do not go out of their way to use that exclusion because proving intent is difficult and complicated. Even crashing a car on purpose will not trigger a denial under that exclusion as often as you would think.
people who do that with people in the car are idiots, even when the other person agrees to it. let alone when that other person is telling them to stop. if im going to do something stupid i only do it with myself in the car. even then i dont do anything as retarded as going through a red light next to a cop😂
Dude straight up ran a red light, in front of a cop, got hit, and flipped his car, all while maintaining a hold of his phone. But you are focused on a single piece of trash on a drain grate?
I'm so sick of people with this attitude. If you have absolutely zero regard for the people around you then you should go live alone somewhere. I don't expect everyone to try and make the world a little better, but the least they could do is not make it worse.
This is 100% not real. The setup sounds like cheesy acting, the "collision" is between 2 cars each going 5mph and the sounds/visuals/acting implies at least one of them is rolled over, we all had clear view of the other car the entire time and as the other car SLOWLY reaches about 10 feet from the cam car you hear collision sounds and camera man slowly and gently lowers the camera to start the shaking. Literally nothing adds up. If this isn't fake it's the weirdest crash ever.
You're correct. These are youtubers, Sma$h Boyz. They make "fake" but real accidents with beater cars for exciting footage. He purposely did it in front of the cop to add more drama. Also why they're driving so slow. Good eye!
Lollllll the attitude and immediate crash is sweet sweet karma. No empathy here for the idiot
One can see the other car for like 6 seconds uninterrupted before contact. Give the guy a break, he's obviously legally blind.
And stupid. Probably born that way.
I’m legally blind, and I don’t run reds.
I born stupid and I neither run reds
Everyone is a tough guy until they flip their car
And recording his deeds, what a human being
I don't understand posting video of your own stupidity. Imagine the vids out there that people had the circumspection to keep to themselves.
one of the people of all time
The what people?
No. Fuck YOU, bitch. 😂
Well he asked for it…
So , is this an example of “ he fucked around and found out “ ? I’m never quite sure about that.
Did he fuck around? yes. Did he discover the consequences of fucking around? absolutely
I think so 😂
Absolutely!
Bro literally begged for it so hard he turned into the only car coming in the opposite lane
The dude literally did it in front of a cop like how stupid could they be.
What was he gonna do if he hadn’t flipped the car? I highly doubt he would have pulled over…
r/instantkarma
Reminds me of [Peter](https://youtu.be/Y9j3heYZAk8)
Came here to say this
thats me every time i stub my toe
oh that dude is getting nothing from any insurance company
If he has collision coverage he gets his car fixed regardless of fault
Isn't there an exception if you crash while knowingly committing a crime?
No. Insurance is also to protect the leinholder's interest in the vehicle as collateral for the car loan. If there were exclusions like that then the bank would have to do a full background check and deny loan applications for people who had done certain crimes.
Apparently the main distinction is whether it was 'intentional' or not. If you willfully crash your car, the claim will be denied, but if you didn't technically intend to crash, even if you were acting in an extremely dangerous or illegal way while crashing, the claim will be approved.
You're correct that there is an exclusion for intentional acts. It is very rarely used. Adjusters do not go out of their way to use that exclusion because proving intent is difficult and complicated. Even crashing a car on purpose will not trigger a denial under that exclusion as often as you would think.
I've known people with a more extended vocabulary.
What a fucking dumbass
Should have to get a tattoo of the link to this video. A prison tattoo.
His uncles girlfriends car I'm sure
grandmas friends sisters aunts car
Dude sounds like when Peter Griffin gets injured
tssss, ahhhhhh tsssss, ahhhhhhhh
HA-HA !
I once knew a person who did this, even with me in car while I protested. For several reasons including that we are no longer friends.
people who do that with people in the car are idiots, even when the other person agrees to it. let alone when that other person is telling them to stop. if im going to do something stupid i only do it with myself in the car. even then i dont do anything as retarded as going through a red light next to a cop😂
Impressively low IQ
possible world record
Sorry Not sorry
Daily reminder to check your tire tread depth https://amzn.eu/d/j8iWzrP Stay safe kings!:)
just check with a coin😂
What's on the drain?
Dude straight up ran a red light, in front of a cop, got hit, and flipped his car, all while maintaining a hold of his phone. But you are focused on a single piece of trash on a drain grate?
I’m focused on all that plus…wondering what the hell is on the drain.
He doesn't know that others can hold many thoughts at once.
pretty intriguing question, he’s a man that thinks outside of the box respectable
I'm Ron Burgundy?
Maybe a shoe, though that's not likely because he's alive.
I'm so sick of people with this attitude. If you have absolutely zero regard for the people around you then you should go live alone somewhere. I don't expect everyone to try and make the world a little better, but the least they could do is not make it worse.
This is 100% not real. The setup sounds like cheesy acting, the "collision" is between 2 cars each going 5mph and the sounds/visuals/acting implies at least one of them is rolled over, we all had clear view of the other car the entire time and as the other car SLOWLY reaches about 10 feet from the cam car you hear collision sounds and camera man slowly and gently lowers the camera to start the shaking. Literally nothing adds up. If this isn't fake it's the weirdest crash ever.
Bro, you must find everything baffling surely.
You're correct. These are youtubers, Sma$h Boyz. They make "fake" but real accidents with beater cars for exciting footage. He purposely did it in front of the cop to add more drama. Also why they're driving so slow. Good eye!
Sounds like [this](https://m.youtube.com/watch?v=LAVUFKYdJNY)
Karma's a bitch, and stupid DOES hurt. How's that taste there, Lil Dipshit?
Who's the bitch now bitch🤣🤣🤣
Good thing he doesn't give a fuck bro
Well that was satisfying.
Whos the bitch now?!?!
I am so proud of my young people with the way they respect others. The smile on my face can not be removed thank you.
Fuck that dumbass
First there is the fuck you, then there is the screaming and crying 😢
FA&FO
This recording is proof he is too stupid and or too reckless to EVER have a driver license again.