Luckily, all that actually happened was that the car broke at least an axle, possibly totalling the car, minor damage to two wooden fences, and bruises and sore muscles for both of my parents. No actual treatable injuries, they're "fine". What luck! I shudder to think of what could have happened.
So now, their insurance company is proposing something which I totally don't understand. See, Dad, as the driver, is covered in his insurance policy for lawsuits for medical problems and "suffering" up to $10,000. They begin to explain this part to Mom. So you see, ma'am, that while you have up to three years to decide, it's something that's automatically covered, so shall I connect you to that department now?
Huh? Yes, without actually "recommending" it, the insurance company seems to actually be encouraging someone to sue her own husband for $10,000, just because it's "covered".... here, have some free money. Except that's not how it works, and we all know it, or should. How many people fall for this crap? And is it any wonder why I feel corporate thinking has gotten our instant gratification society into the mess it's in right now?
Or am I just completely misunderstanding what transpired?