A couple of weeks ago, I had a very minor collision in a supermarket parking lot. A guy backed into my car as I drove slowly down a lane in the lot. Both cars were perfectly drivable, but got dented up a bit. Nobody was injured in any way. Still, the local police showed up and wrote up the incident.
The other driver's insurance company paid for the damage to my vehicle within a week of the incident. Since the car is not worth very much, I'm just going to live with the dents and use the money more wisely. I thought that was it. Not a chance. As of yesterday, I've had four very official-looking letters from personal injury attorneys, and half a dozen impressive packages of literature from various chiropractic clinics in the area. One of them, as pictured below, even included a DVD of some kind (it'll make a great coaster), along with the universal offer of a free examination and massage to ease the pain of my accident...even if I don't have any pain. Nothing wrong with this, and I'm sure all of those attorneys and Chiropractors are quite legitimate.
What's remarkable to me is that there is an entire industry built around car accidents. Someone has to be visiting the police departments in the area and collecting the accident reports, then selling the lists of people involved in accidents to the personal injury lawyers and chiropractic clinics in the area. All of these then send out packages of literature to every accident victim, hoping to attract them to their businesses.
Given the cost of these direct mail campaigns, it's clear that there's money to be made in the car accident business. How much money? I don't know, but given the low return on direct-mail advertising, it has to be plenty. Again, there's nothing at all wrong with soliciting business from accident victims, and I'm sure that all of these companies and individuals who contacted me are legitimate, but you do have to wonder just how much impact this has on our car insurance rates.
I'm very glad nobody was injured in the minor collision I was involved in. I appreciate all the interest in my well-being shown by all of those who sent me expensive mailings. I won't be contacting any of you, even though those expensive massages sound great, but you did give me a topic for today's blog entry. Something good comes from everything, it seems.
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