I have been in a couple fender benders in my day, however I was never at fault for these collisions. Not fully understanding auto insurance at the time because I was a youngster and my parents were paying the bills, I never really thought anything of it. One night I was having a conversation with my mom and she reminded me about a time when I was rear-ended in my older sisters Jeep. I was at a stop light, some oblivious driver behind me didn’t stop in time, and WHAM, police were called, insurance companies were notified, and due to someone else’s carelessness our insurance premiums went up.
After a little research I’ve found out that the main reason this happens is because some “uncouth” drivers use accidents as a way to make money, which leaves the honest drivers at a severe loss. Even when it has nothing to do with my driving skills, my awareness, or my honesty, we ended up paying more money because someone just wasn’t paying attention. If there was ever a topic that “grinds my gears” its auto insurance, and unfortunately (although with good reason), it is illegal to drive without it.
Don’t get me wrong, I think auto insurance is great, should anything terrible ever happen I would be covered. It just makes me a little angry that the poor guy getting slammed at a stop light not only has to deal with neck pain, but also the pain in the ass of higher premiums.