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02-16-2023, 01:13 PM
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#21
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Senior Member
Join Date: Dec 2019
Location: Oregon High Desert
Posts: 1,553
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Why anyone would purposely do this is beyond me.
Destroy the truck, 5er and damage the building.
I wonder if his insurance company would cover damages after seeing the videos of the mess.
__________________
Gary & Deb (44 years)
RV: Keystone 2013 Alpine 3495FL
TV: 2014 RAM 3500HD Laramie Long Box, 6.4 HEMI, 4x4, 4.10's, with Mopar Puck system, and a B&W Companion hitch.
Retired Firefighter/EMT.
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02-16-2023, 02:38 PM
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#22
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Senior Member
Join Date: Nov 2017
Location: Mico, TX
Posts: 7,461
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Quote:
Originally Posted by Gary R.
Why anyone would purposely do this is beyond me.
Destroy the truck, 5er and damage the building.
I wonder if his insurance company would cover damages after seeing the videos of the mess.
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Gary, If the unfortunate driver that pulled this driving stunt had Allstate insurance, I have it on good authority that they would pay...
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wiredgeorge Mico TX
2006 F350 CC 4WD 6.0L
2002 Keystone Cougar 278
2006 GL1800 Roadsmith Trike
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02-16-2023, 03:12 PM
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#23
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Senior Member
Join Date: Dec 2019
Location: Oregon High Desert
Posts: 1,553
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Hi George,
Hmm, you may have a good point there! LOL
__________________
Gary & Deb (44 years)
RV: Keystone 2013 Alpine 3495FL
TV: 2014 RAM 3500HD Laramie Long Box, 6.4 HEMI, 4x4, 4.10's, with Mopar Puck system, and a B&W Companion hitch.
Retired Firefighter/EMT.
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02-16-2023, 03:42 PM
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#24
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Senior Member
Join Date: Mar 2019
Location: Milwaukie, OR
Posts: 1,398
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They might be obligated to pay, but not to keep you as a client. Rates just go up for idiots...or irresponsible drivers just don't bother because insurance is too expensive so they have no insurance when they hit you.
__________________
Jeff & Sandi (and Teddy - 7lb Schnorkie)
2018 Montana High Country 305RL
2015 RAM 3500 Crew Cab 4x4 DRW
Demco Recon Hitch on RAM Puck Ball
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02-16-2023, 06:38 PM
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#25
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Senior Member
Join Date: May 2018
Location: Mechanicsville
Posts: 478
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Insurance company! You're kidding, We're talking police, courts, law suites! You can bet the cops were there soon after and the Dairy Queen business owners had him in court for damages to the building and loss of income.
This guys got bigger problems than his insurance company, which I'm sure wouldn't pay for intentional damage to his vehicle. He'll be paying for this stupidity for years to come.
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02-17-2023, 03:53 AM
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#26
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Senior Member
Join Date: Oct 2014
Location: Germantown, TN
Posts: 6,329
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"Intentionally bad acts are not covered by insurance. Most states have statutory or common law prohibitions against insuring acts undertaken intentionally, with the intent to cause harm. Society simply does not permit a gross wrongdoer to profit by shifting financial responsibility for inherently bad acts to an insurance company."
Reference: www.mondaq.com
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Jim in Memphis, Wife of 51 years is Brenda
2019 F450 6.7 Powerstroke
2018 Mobile Suites 40RSSA
2021 40' Jayco Eagle
2001 Road king w/matching Harley sidecar
2021 Yamaha X2 Wolverine 1000
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02-17-2023, 05:40 AM
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#27
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Senior Member
Join Date: Jun 2022
Location: West Coast Florida
Posts: 244
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Quote:
Originally Posted by notanlines
"Intentionally bad acts are not covered by insurance. Most states have statutory or common law prohibitions against insuring acts undertaken intentionally, with the intent to cause harm. Society simply does not permit a gross wrongdoer to profit by shifting financial responsibility for inherently bad acts to an insurance company."
Reference: www.mondaq.com
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I believe you're correct.
If this wasn't intentional, a normal sane person would probably stop what they're doing to assess the situation.
Unless he was a disgruntled transporter looking for his last day...
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2018 Outback 299URL
2020 F250 FX4 6.2L 4.30 AR
Equal-i-zer 10K WDH
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02-17-2023, 06:27 AM
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#28
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Senior Member
Join Date: Oct 2022
Location: Middle of nowhere
Posts: 577
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Quote:
Originally Posted by notanlines
"Intentionally bad acts are not covered by insurance. Most states have statutory or common law prohibitions against insuring acts undertaken intentionally, with the intent to cause harm. Society simply does not permit a gross wrongdoer to profit by shifting financial responsibility for inherently bad acts to an insurance company."
Reference: www.mondaq.com
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This would be just like owning a business that is failing and you burn it down to collect insurance to get out of it. It's called "insurance fraud". I can't believe it would be covered. I could be wrong, but....................
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2023 Passport SL 229RK
2023 Ram 2500 6.4L Hemi.
Nebraska
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02-17-2023, 07:32 AM
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#29
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Senior Member
Join Date: Aug 2020
Location: Upper Chesapeake Bay
Posts: 4,833
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would insurance cover it if you were under the influence of drugs or alcohol? or having a mental breakdown? …yeah it looks intentional but nobody in their right mind would do that…it’s been a crazy couple of years and some people just snapped…for a lot of people the world changed so fast and so differently then they ever expected, and they weren’t equipped to handle it.
Who knows what this guy went thru
https://kyma.com/news/local-news/202...ls-speaks-out/
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2020 Cougar 315 RLS
2020 Ram 3500 6.7HO 4.10 Dually Aisin
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02-17-2023, 09:26 AM
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#30
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Senior Member
Join Date: Jun 2022
Location: West Coast Florida
Posts: 244
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Who knows what this guy went thru.
Well it definitely wasn't the drive thru... But at least he gave it the old college try.
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2018 Outback 299URL
2020 F250 FX4 6.2L 4.30 AR
Equal-i-zer 10K WDH
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02-17-2023, 01:17 PM
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#31
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Senior Member
Join Date: Oct 2022
Location: Middle of nowhere
Posts: 577
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Quote:
Originally Posted by jasin1
would insurance cover it if you were under the influence of drugs or alcohol?
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They shouldn't. Would save the rest of us tons on our premiums. Maybe, just maybe would help people think twice before driving that way to. Doubt it, but hay, I can dream.
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2023 Passport SL 229RK
2023 Ram 2500 6.4L Hemi.
Nebraska
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02-17-2023, 04:05 PM
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#32
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Senior Member
Join Date: Aug 2020
Location: Upper Chesapeake Bay
Posts: 4,833
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Quote:
Originally Posted by Kirk's Keystone Outback.
Who knows what this guy went thru.
Well it definitely wasn't the drive thru... But at least he gave it the old college try.
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lol yeah i guess i thru you a softball with that one
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2020 Cougar 315 RLS
2020 Ram 3500 6.7HO 4.10 Dually Aisin
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02-17-2023, 04:09 PM
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#33
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Senior Member
Join Date: Aug 2020
Location: Upper Chesapeake Bay
Posts: 4,833
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Quote:
Originally Posted by Kirk's Keystone Outback.
Who knows what this guy went thru.
Well it definitely wasn't the drive thru... But at least he gave it the old college try.
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Quote:
Originally Posted by Max23
They shouldn't. Would save the rest of us tons on our premiums. Maybe, just maybe would help people think twice before driving that way to. Doubt it, but hay, I can dream.
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i’m not trying to defend anyone that’s drunk or on drugs ..i do have some compassion for the person dealing with mental health issues.. it may have been his breaking point…the video i linked has an eyewitness that says the guy had a blank look on his face and didn’t seem to comprehend what was happening…stroke?
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2020 Cougar 315 RLS
2020 Ram 3500 6.7HO 4.10 Dually Aisin
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02-20-2023, 08:03 AM
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#34
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Senior Member
Join Date: Jun 2022
Location: West Coast Florida
Posts: 244
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I think I know what happened, because it's happening to me right now. I'm damn hungry, and I can't my break yet, so that makes me "hangry", just like this guy. He just wanted a chicken sandwich and some ice cream, and the damn building got in the way. It could happen to anyone of us...
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2018 Outback 299URL
2020 F250 FX4 6.2L 4.30 AR
Equal-i-zer 10K WDH
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