I work in Canada, in government similar to the state department of insurance, I work in provincial. I do solvency risk management for banks and insurance companies, and try my best to make sure that insurance companies can pay claims as they come.

Yes, accident fault determination is not my area or background. I have coworkers who were claim managers, insurance brokers and insurance professionals, and they are way more helpful opflatern, and it's clear opflatern gives misinformation time to time. It's messed up how his information he provides conflicts with some of the advice I get from my coworker. Yes, I understand different jurisdictions may operate differently, and opflatern may work in an area where our laws are totally different. But this guy, I've never met anyone like him before, even when talking with my insurance company's reps, they are way more helpful than opflatern, and told me to speak with my adjuster more on my concerns. Many times, I do not know what the exact decisions made by the adjusters, and sometimes I just need more answers and perspectives on why this was done this way or this wasn't considered, I know adjusters aren't perfect but man, opflatern, he remembers my post two months ago, and another post two weeks later, then a month later, and this guy can't adjust his thought process on the context of my question or updated information. I have never talked to someone so useless that waste people's time and can't give any relevant factual information that the other person can actually use, and yet he repost a on my posts every single time I post. It's exact characteristic of a troll.

Why would I subscribe to r/insurance? If I don't work in the industry in some aspect?