Mustang heads for the open prairie

Seems he had a undiagnosed medical condition.

Quote from teh TubesOfYou:

"Previously unknown medical condition caused a crash on 4/2/2015. I have never passed out in 26 years, but suddenly passed out. I wasn't tired, sleepy or anything like that. State Farm decline to pay for the car's repair, as I was a few hour past the deadline for comprehensive coverage. They also raised my rates and removed my safe driver discount, even though I have never been in an accident that was my fault in 8 years of driving. So that seems a bit unfair. I just hope that I can pay my medical bills, pay the car off, then fix it/get it fixed."
MilkmanDansays...

That sucks and everything, but this seems a bit fishy...

* "State Farm decline to pay for the car's repair, as I was a few hour past the deadline for comprehensive coverage."
The way I read that suggests that it is either a brand new car that he hadn't yet purchased insurance for beyond mandated liability, or that his existing policy had just expired. Both would be kind of red-flag timings for an accident.

* "They also raised my rates and removed my safe driver discount, even though I have never been in an accident that was my fault in 8 years of driving. So that seems a bit unfair."
Getting into an accident raises your rates. Even if it wasn't your fault. This particular incident, giving him 100% of the benefit of the doubt and assuming that it was a medical condition that he had no control over, is still something that an insurer might (reasonably in my opinion) determine to be "his fault". At the very least, they would want assurances that the condition wouldn't happen again; but honestly it would probably be a safer bet (which is what insurance adjustors are all about) to drop his coverage entirely as soon as legally possible.

* And that last one doesn't just apply to the insurer... If that happened to me, even if I had never passed out before and had been driving for 8 years without issue, I'd want to be DAMN sure that it was 100% medically explained and 100% medically under control so that it wouldn't ever happen again before I got behind the wheel of ANY vehicle again.


So yeah, it seems ... fishy. On the other hand, It does seem like it would be hard to have no reflex-level reactions to plowing into fenceposts etc., as in the video. So it might be 100% legit -- but even then, all of the above still applies.

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