POS fails to pull off car accident scam, insurance pays anyway and doubles customer's payments

341

•

https://x.com/Marsupial_Gamer/status/2039960542102856171

I can’t believe this. This dude completely scammed my insurance company. His friend dumped him out of his wheelchair right in front of my truck while I was stopped at a light, not moving. The cops came, saw that there was no damage to his chair or my car and he was totally fine according to the paramedics who arrived. I told the cops it was a scam, that my car never touched him or his chair. His friend ran, he refused to go to the hospital, the cops took my info & insurance and the police report said there was no evidence of any accident or injury. I spoke with the insurance and told them it was a scam and to not pay anything.

~6 months later, my insurance payments more than doubled. I went into their app and found out Progressive paid this con artist $41,426 for an imaginary injury and the most expensive wheelchair in frickin’ existence! And now I’m paying for their stupidity. I’m done with these bozos.

Payout summary

Best reply: https://x.com/iOccupyNigeria/status/2040052389181366353

I think you need to understand what actually happened here, because your frustration is valid, but the conclusion you’re drawing is slightly off.

I am not disputing your version of events at all. Based on what you said, the “victim” had no case. No contact, no damage, police report backs it up, paramedics cleared him. From a liability standpoint, that should be dead on arrival.

However, that is not how these situations get resolved in the real world.

What likely happened is simple business math. The claimant made a demand. The insurance company pushed back. The claimant then signals litigation. At that point, everything changes. Now the company has to weigh the cost of being right versus the cost of proving they are right.

Once you enter litigation, you are dealing with attorneys billing hundreds, sometimes up to a thousand dollars per hour. You have depositions, discovery, expert witnesses, internal time, and trial preparation. Even if the insurance company wins, they can easily spend fifty thousand to one hundred thousand dollars or more just defending the case.

So what do they do? They make a business decision. Not a moral one.

They say, “What will it take to make this go away?” The claimant throws out a number. They negotiate, settle, sign an agreement, often with confidentiality language, and move on.

That payment is not an admission that he was right. It is an admission that litigation is expensive. (continues)

https://x.com/Marsupial_Gamer/status/2039960542102856171 >I can’t believe this. This dude completely scammed my insurance company. His friend dumped him out of his wheelchair right in front of my truck while I was stopped at a light, not moving. The cops came, saw that there was no damage to his chair or my car and he was totally fine according to the paramedics who arrived. I told the cops it was a scam, that my car never touched him or his chair. His friend ran, he refused to go to the hospital, the cops took my info & insurance and the police report said there was no evidence of any accident or injury. I spoke with the insurance and told them it was a scam and to not pay anything. > ~6 months later, my insurance payments more than doubled. I went into their app and found out Progressive paid this con artist $41,426 for an imaginary injury and the most expensive wheelchair in frickin’ existence! And now I’m paying for their stupidity. I’m done with these bozos. [Payout summary](https://poal.co/static/images/45a59e7961797979.png) Best reply: https://x.com/iOccupyNigeria/status/2040052389181366353 >I think you need to understand what actually happened here, because your frustration is valid, but the conclusion you’re drawing is slightly off. > I am not disputing your version of events at all. Based on what you said, the “victim” had no case. No contact, no damage, police report backs it up, paramedics cleared him. From a liability standpoint, that should be dead on arrival. > However, that is not how these situations get resolved in the real world. > What likely happened is simple business math. The claimant made a demand. The insurance company pushed back. The claimant then signals litigation. At that point, everything changes. Now the company has to weigh the cost of being right versus the cost of proving they are right. > Once you enter litigation, you are dealing with attorneys billing hundreds, sometimes up to a thousand dollars per hour. You have depositions, discovery, expert witnesses, internal time, and trial preparation. Even if the insurance company wins, they can easily spend fifty thousand to one hundred thousand dollars or more just defending the case. > So what do they do? They make a business decision. Not a moral one. > They say, “What will it take to make this go away?” The claimant throws out a number. They negotiate, settle, sign an agreement, often with confidentiality language, and move on. > That payment is not an admission that he was right. It is an admission that litigation is expensive. (continues)