Crashes and insurance in Uruguay

Posted: August 23, 2012 in Life, Stupidity
Tags: , , , , , , , , ,

The other day a lady shot out from the left side of an intersection, right in front of us. By the time we saw her coming it was already too late and we ran right into her. Fortunately nobody was injured. Her car was trashed but our truck, while the steering and front frame is bent, suffered little more than cosmetic damage. We drove home.

We did the standard insurance thing, two inspectors come out to survey the damage, information is exchanged, and then you wait to hear from your insurance company. Meanwhile you research the local laws and educate yourself on right-of-way and other sundry items.

…such as the following, which states clearly that when in an unmarked intersection, the right-of-way preference goes to the vehicle on the right, and/or the street with through-way preference.

I was both on the through-way street, *and* the vehicle on the right. So, clearly, I thought, I had the right-of-way and the other lady’s insurance will pay for the damage. Having learned the laws I felt confident when I went in to get the results from my insurance agent.

WRONG!

My insurance company is leaving me to hang. “This all depends on where you are from,” my insurance agent explains to me. Translation: because you are a gringo, you are instantly guilty. Nice. Forget the law, forget that it is much more expensive for them to pay to replace the entire front end of the car WHICH CAUSED THE ACCIDENT than it is to say, “this is the law, your client is clearly guilty, and you should pay for the damage to my client.” Forget that they will lose a customer. Forget that I am a legal resident, forget that I have a local drivers license and a locally registered vehicle and I know what I am doing and know the laws. Nah, that’s all unimportant.

The corporate office’s official excuse: Because the street I was on changes names on the other side of the intersection, I am therefore culpable. Not a note about the fact that it is the secondary throughway through town on which all the bus routes run to avoid traffic on the main road. Nor that there are no street signs to signify the change-of-name. Because the locals are too lazy to post them and also because if they did, someone would steal them (as in here and here). So I shall hang because of mismanaged data on a map.

Fortunately the agent is on my side despite the ruling from the corporate office, so he has arranged tomorrow afternoon to help me get this straightened out. He has written in to appeal the decision in corporate, and he is going with me to Crash Lady’s insurance office to see what we can wrangle out of them. We shall see what happens. I am not hopeful. If they fail to please me I shall put their name up here with a notice to boycott.

Added Aug 25, 2012:
The company in question is RSA. They are reputed to be a quality insurance company (we have multiple policies for vehicle and home coverage). However at this point, I will not renew my policy with them, and instead I shall transfer it to a different company upon its expiration.

Welcome home! I can’t wait to get the F back out of here and get back to Chile where laws are at least more respected than the Kangaroo Subjective Interpretation you get here in Uruguay backwardsland.

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