> This seems to be based on the "making all parties whole" interpretation of insurance, rather than "protect the policyholder". Are you ignoring my prior comment entirely?
No, you’re ignoring the three comments I’ve made now that clearly indicated I was talking about “the structuring of the insurance system” (rather than the OP’s liability policy), and continuing to argue against something you should be aware I’m not endorsing.
And yes, making victims whole is the purpose of mandating liability coverage for drivers.
Can I ask what you think your comment is adding to the discussion that it didn’t have before?
> And yes, making victims whole is the purpose of mandating liability coverage for drivers.
Yes, agreed, but you aren't a victim until a court issues a judgement that you are, hence the other parties insurance has no reason nor obligation to make you whole.
A dispute is just a dispute until a court rules on it. Statements made by LEOs and witnesses are only examined when it is presented before a court. If you don't present your argument before a court, you are not automatically in the right.
No, you’re ignoring the three comments I’ve made now that clearly indicated I was talking about “the structuring of the insurance system” (rather than the OP’s liability policy), and continuing to argue against something you should be aware I’m not endorsing.
And yes, making victims whole is the purpose of mandating liability coverage for drivers.
Can I ask what you think your comment is adding to the discussion that it didn’t have before?