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Road rage viral video alarms insurers

By Doug Whiteman · Bankrate.com
Wednesday, April 2, 2014
Posted: 5 pm ET

Have you seen the YouTube road rage video that was recently all the rage on the Internet and TV news channels?

You may find it very entertaining. Your car insurance company, probably not so much.

Woman records tailgater

The Florida Highway Patrol says a motorist whipped out her cellphone and recorded the video over her shoulder while she was being tailgated in the left lane of a highway near Tampa, Fla.

The man in the pickup truck following behind the woman is eventually seen pulling up alongside, flashing an obscene gesture,  moving his truck in front -- and then losing control of his vehicle, spinning out and crashing off the left side of the road as hubcaps go flying.

"Ha, ha, ha! That's what you get!" the woman cackles as she drives by the wreckage, still recording with her phone.

Insurers wouldn't be amused

Funny? Not really, says Loretta Worters, a vice president with the New York-based trade group the Insurance Information Institute.

"Insurance companies would find this video very alarming, on so many fronts," she says.

The driver of the pickup truck may be penalized by his insurance company the next time his premium is due. A news release from the Highway Patrol says charges against the man include careless driving -- a violation which can raise the cost of your car insurance by an average 27 percent, according to a recent study by InsuranceQuotes.com, a Bankrate-owned website.

(Other moving violations can bring even stiffer increases, the study found. For example, one conviction for driving under the influence will boost your auto rate by 93 percent, on average.)

No good-driver awards

The pickup driver was driving erratically, endangering the lives of other drivers as well as any pedestrians who may have been walking in the area, says Worters.

Insurance companies wouldn't be impressed with the other motorist's behavior either, she says. For starters, the woman shouldn't have been recording video while she was driving.

"She was giving the guy incentive to be more aggressive," Worters says, adding that the woman was lucky to avoid charges which could drive up her own car insurance rate.

What do you think? Is this video cool -- or a cautionary tale?

Want to learn more about the connection between your driving record and your insurance? Read 5 traffic tickets costliest for car insurance.

Follow me on Twitter: @dougwhiteman.

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23 Comments
Keith
April 04, 2014 at 7:25 am

Problem is that the woman was just as much at fault. She was going too slow in the left lane. Road rage is generally a two way street. Someone isn't driving strong enough for someone else, then that driver gets mad and road rage occurs. As the slow driver, its not your job to arbitrarily enforce the speed limit. It is not your job to inconvenience other drivers for your self-righteoussness. It is your job to ensure the driving happiness of the ones behind you. The woman needed to pull into the right lane or speed up. This was just as much her fault as his

dave
April 04, 2014 at 7:12 am

that is what car camera black boxes are for. have one installed with forward and rear camera will help and save you some money. Or use go cameras and install them on the roof next to roof rack. this way you don't have to take your eyes off the road or deal with a cell phone.

BZ
April 04, 2014 at 3:34 am

Loretta Worters blames the victim of a bad driver who's trying to record the event? The pickup driver got his just reward. Looks like Loretta wants to reward the victim with higher premiums. This is why we all love insurance companies so much.

Steve
April 04, 2014 at 2:26 am

Soon all cars will be required to have rearview cameras. Too bad you won't be able to turn them on while moving forward! They should be and should be able to record. Perfect way to catch tailgaters, weavers, carpool cheaters, etc. Just like a dash cam, only pointing back. If all cars had them, this would not be nearly as common.

Pete
April 04, 2014 at 2:18 am

This video is private? It didn't become 'viral' by being private. I think any expectations of privacy were lost when it was posted for public consumption?

safe driver
April 04, 2014 at 2:13 am

I, also, see some dangerous drivers--I always think where are the police now....then i see they are being pulled over yahhhh. I am so glad they did not cause an accident.

Ed
April 04, 2014 at 1:16 am

Says "This video is private."

NJ
April 04, 2014 at 12:05 am

Ms. Loretta Worters, you have got to be kidding. The woman was taking a video of a scary driver, whose antics could well have led to a major accident. And what would he have said? "Wasn't me officer, she was dogging me." An all too common tale.

But with video evidence it's a different story all together. And yes, I can understand you'd want to drive up costs for both of them. You'd love to ignore the basic tenet of insurance: shared risk, not the one you seem to operate under: maximum profit.

Disgusting, and I'm not just addressing the idiot driver.

Dino
April 03, 2014 at 11:58 pm

Cool video!! I'm actually a Law Enforcement officer and I disagree with the insurance company. I think taking a video is capturing the facts in the incident. The woman was not distracted and if it's just like driving with her hand up ( she was not looking at the camera, just pointing it in a certain direction. Also disagree with insurance company as when someone knows you are video taping them, they tend try to NOT to do anything which can be used against them. It is NOT an incentive to be more aggressive, just the opposite. Insurance just want to find a reason to raise rates! that's all.

Brian
April 03, 2014 at 11:36 pm

Aww poor insurance companies...they would not be happy . You give them money for 25 years then have a claim and they drop you. Thats why you have to have insurance....not to just give them money. No sympathy...keep filming the idiots. Protect yourself

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