Rivian AEB failure and crash

[SwampNut]

It is insane that insurance is mandated, regulated, enforced by the police, yet so absolutely terrible.

"We made it look like at least we're trying."

Long ago, my wife got a ticket for failure to display proof of insurance on demand. Not...failure to have insurance, but to show it when stopped. This means that although she was insured, the failure to have the card with her was its own violation, and the court still fined her.

But here we are with this bullshit, and there's no penalty for this. I mean, I could sue, or my insurance might, but she clearly has low income/assets so no use.

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[savethemanual]

It is insane that insurance is mandated, regulated, enforced by the police, yet so absolutely terrible.

I got rear-ended at a stop light by an uninsured lunatic in my Tundra years ago. After exploring all options, my best course of action was to take it in the teeth. I repaired the truck myself out-of-pocket.

It is a terrible, useless system.

I'm in MI, which is a no fault state. There are pro's and con's but if I'm at fault, the others insurance still has to cover their vehicle, they could get their deductible paid by my insurance but that's it.

 

[NY_Rob]

But here we are with this bullshit, and there's no penalty for this. I mean, I could sue, or my insurance might, but she clearly has low income/assets so no use.

IMO, Insurance companies are one step below car salesmen! They will lie and cheat as much as they can just to save paying out a few of the precious $$ they have no problem collecting from policy holders. You know when people say "it's like they have a license to steal"?... yeah, that's insurance companies for sure!

Back when I was a kid just learning to drive I was at a traffic light and got hit by a drunk driver who was literally coming out of a bar parking lot. He got arrested on the spot when the cops instantly noticed he couldn't even walk a straight line. With all that in mind.. his insurance co (Liberty Mutual) still tried to screw me out of proper reimbursement taking advantage that as a 19yo I had never had any opportunity to file an insurance claim before. To top that, the drunk even sued me months later (using a free public defender) for the damage done to his car when he hit me!

 

[Hereforthesnacks]

It is insane that insurance is mandated, regulated, enforced by the police, yet so absolutely terrible.

I got rear-ended at a stop light by an uninsured lunatic in my Tundra years ago. After exploring all options, my best course of action was to take it in the teeth. I repaired the truck myself out-of-pocket.

It is a terrible, useless system.

If you get rear ended by someone uninsured don’t you just pay the deductible and get it repaired. And the claim doesn’t affect your rates? At least that’s what happened to us. Same with hit and run.

 

[shandering]

I have ridden in 4 different 2026 MYs - two performance and two premium. With FSD. (I have ridden in probably 50 M3s and MY over the past couple of years. A lot through uber and, even though drivers are not really supposed to use FSD, some will just to test it out after telling me. It kills me that uber always gets me a Tesla because the ride is not good, though it’s better on the new models). I have never driven a H4 car though.

I can say the HW4 is not aware of those around it in such a situation: someone is signaling that they need get across lanes. Even though it’s not a hardship for the Tesla, it will not let them by. This frustrates the other diver and slows traffic as the other driver needs to maneuver around the Tesla. It’s just now how FSD is built. FSD is designed to drive the car around what’s in and around the road. It does not drive the car with what others may need - out of curtesy - in mind.

Bullcrap. Of course it does those things. It has been recognizing turn signals for years.

 

[SwampNut]

If you get rear ended by someone uninsured don’t you just pay the deductible and get it repaired. And the claim doesn’t affect your rates? At least that’s what happened to us. Same with hit and run.

It's not so simple. First off, while being rear-ended is GENERALLY a not-at-fault situation, it's not 100% so. Contributory negligence and gross negligence can apply. On top of that, a person with multiple rear-endings is still going to be rated a higher risk; the assumption being that they do something to put themselves there. There are also the specific no-claims discounts and benefits, such as the disappearing deductible. I will lose both of those statuses.

Bullcrap. Of course it does those things. It has been recognizing turn signals for years.

It's like these people insist on judging the five year old tech and pretend it still applies?

 

[Hereforthesnacks]

It's not so simple. First off, while being rear-ended is GENERALLY a not-at-fault situation, it's not 100% so. Contributory negligence and gross negligence can apply. On top of that, a person with multiple rear-endings is still going to be rated a higher risk; the assumption being that they do something to put themselves there. There are also the specific no-claims discounts and benefits, such as the disappearing deductible. I will lose both of those statuses.



It's like these people insist on judging the five year old tech and pretend it still applies?

For sure it’s not always simple. But in a one off, usually you are in a good spot from an insurance standpoint. I’m not talking about someone who gets rear ended serially.

 

[Hereforthesnacks]

Bullcrap. Of course it does those things. It has been recognizing turn signals for years.

Kewl. I guess those waiting for the Tesla to move are doing something wrong.

 

[CharonPDX]

Another realization, that I maybe knew but didn't really think about...in AZ, the un/under-insured coverage is only for personal injury, not property. So the excess is my collision coverage. I am very familiar on how this matters and changes everything, because long ago I had an injury claim from being hit by a drunk.

If anyone cares: UIM is an extension of the other person's liability insurance. This means you basically go after your own company as if they are the adversary. It means they are liable to the full extent of whatever a liable party would be. And it's not counted as a claim on your own insurance.

Under collision, I have all the limitations of whatever my policy is. Such as a basic rental for only a short time, lesser coverage for incidentals, etc. And a ding on my otherwise no claims history.

Run the claim through your own insurance. Assuming you have a competent insurance company, they will declare this "not your fault" and not ding you for it. They will pay everything but your deductible, then YOUR insurance company will be responsible for getting the money from the other party (their insurance company and/or them directly.)

My kid was hit, our insurance declared it the other party's fault, so no impact to our insurance bill or his "at fault" history. The other party's insurance claimed it was my kid's fault. The two insurance companies went to arbitration over it, about a year later, our insurance company sent us a check for our deductible.

They also paid us more than the vehicle's current value for it being totaled. (Not by a lot, but more than we were expecting.) Because they knew it would come out of the other company.

 

[NY_Rob]

Run the claim through your own insurance. Assuming you have a competent insurance company, they will declare this "not your fault" and not ding you for it. They will pay everything but your deductible, then YOUR insurance company will be responsible for getting the money from the other party (their insurance company and/or them directly.)

Insurance co's don't generally like to subrogate unless they have to because there's always the chance the other driver's Ins co will refuse responsibility. Then it goes to arbitration and your ins may lose or they'll reach a settlement in which case it ended up costing them. We had that happen when our i3 was rear ended three years ago. Allstate (my Ins) paid us because generally in a rear end collision the lead car is typically not at fault. Geico (the at fault driver's ins) refused to reimburse Allstate, it went to arbitration and they ended up splitting the bill ($17K damage) between them even though Allstate (my ins) shouldn't have had to pay out anything.

 

[SwampNut]

Maybe I forgot to mention, we have the same insurance company. Even not-at-fault claims impact your no-claims status.

 

[Hereforthesnacks]

Maybe I forgot to mention, we have the same insurance company. Even not-at-fault claims impact your no-claims status.

That must be company dependent. That is not the case for SF.

 

[Dave Cundiff]

That must be company dependent. That is not the case for SF.

In 2008, my ex and I had two at-fault crashes. One was below the state's reporting threshold. State Farm declared our ten-year-old sedan totaled, and paid for the other driver's injuries, on the other one. Then we had a new car stolen from our driveway. All three incidents happened between January and May 2008.

How much did State Farm raise our premiums? We were very surprised when they didn't raise our rates at all. We had been with State Farm for decades, they explained, so they had enough data on us to see we were just having a bad year.

Sure enough, we have been claim-free since 2008, justifying State Farm's decision to trust our future even during a bad year.

That makes us pretty loyal State Farm customers. Your mileage may vary, but it would take a lot to separate us from State Farm.

Best to all!

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