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Thieves wrecked & put 5,000 miles on car, how does insurance cover the mileage?

Posted on 8/1/23 at 7:06 pm
Posted by berrycajun
Baton Rouge
Member since May 2016
7145 posts
Posted on 8/1/23 at 7:06 pm
EDITING to clarify the timeline

It disappeared late night/early morning July 2nd/3rd and was in the high speed chase around 10pm on July 8th, so where you see 4 days it’s really 5 days. My bad

My daughter’s car was stolen from her apartment. Keep in mind it was 3 good tires and one spare when stolen. 4 days later it was involved in a drive by shooting which lead to a high speed chase with police that ended in the thieves crashing it into a house on a dead end street north of BRCC. They left one of their guns in the back seat as they escaped on foot.

During the 4 days they had it, they stole a new tire that was on the rim but in the trunk because air was leaking from the tire. (We were in the process of trying to find a new rim because it was bent from hitting a pothole.) They also stole a watermelon but NOT a bag of rice. guess they weren’t Cajuns.

They put 5,000 miles on her car in the 4 days they had it. We have proof of this because she purchased the new tire from Goodyear after hitting the pothole around the Burbank Rouse’s shopping center and the mileage is on the Goodyear receipt. The thieves did all of this driving on the donut/spare— including the high speed chase.

The car had 95,568 miles when they stole it, and it now has 100,500 something. So it’s not like it went from 20K to 25K. it’s at 100K now which is when a car really depreciates in value, right?

It’s a 2016 Honda civic touring. The repairs are estimated to be 10,465 dollars. So now she’ll be driving around in a crickety car that will never be the same that is significantly depreciated that is likely affiliated with Baton Rouge gangs (the drive by shooting) and I’m guessing Mexico border drug running (the 5,000 miles) and the shooters/thieves/drug runners are still on the loose and are affiliated with my daughter’s car.

any advice? Or does anyone know how to deal with the mileage part? The insurance adjuster is a complete IDIOT who NEVER returns phone calls, messages, or texts. Seriously, 10 days went by with me calling and messaging daily and this rep didn’t call me back! She finally called back and told me there was a glitch in the system!!! Do NOT do business with SAFECO. Now we MAY have to deal with them about our roof after the twister or whatever it was that hit oak hills last night…
Lost a few shingles and water dripping from attic into laundry room.

Sorry to rant. I’m at my wits end with crappy humanity right now.
This post was edited on 8/1/23 at 7:20 pm
Posted by fightin tigers
Downtown Prairieville
Member since Mar 2008
76173 posts
Posted on 8/1/23 at 7:07 pm to
Diminished value

Probably won't be worth your time to argue for it.
This post was edited on 8/1/23 at 7:08 pm
Posted by danilo
Member since Nov 2008
24746 posts
Posted on 8/1/23 at 7:09 pm to
How did they start the car?
Posted by HoustonGumbeauxGuy
Member since Jul 2011
32670 posts
Posted on 8/1/23 at 7:10 pm to
This may be the one in a million scenario that gap insurance would’ve been useful
Posted by BigBinBR
Baton Rouge
Member since Mar 2023
9218 posts
Posted on 8/1/23 at 7:10 pm to
quote:

They put 5,000 miles on her car in the 4 days they had it.


That’s impossible. That’s almost 18 hours of driving every day at 70 mph.

Edit: And that’s straight driving time. That doesn’t taking into account the 12+ times they has to stop for gas, any traffic, stopping where there were driving to, etc.
This post was edited on 8/1/23 at 7:16 pm
Posted by Kafka
I am the moral conscience of TD
Member since Jul 2007
153993 posts
Posted on 8/1/23 at 7:11 pm to
quote:

They put 5,000 miles on her car in the 4 days they had it.
did they at least fill it up?
quote:

The insurance adjuster is a complete IDIOT who NEVER returns phone calls, messages, or texts.
Idiot?

Sounds like the smart move
Posted by berrycajun
Baton Rouge
Member since May 2016
7145 posts
Posted on 8/1/23 at 7:11 pm to
We have comprehensive
Posted by udtiger
Over your left shoulder
Member since Nov 2006
112382 posts
Posted on 8/1/23 at 7:11 pm to
quote:

Diminished value

Probably won't be worth your time to argue for it


Likely not covered under the 1st party coverage (most insurers exclude it from collision/comprehensive coverage).
Posted by ct4lsu
BR
Member since Jan 2008
1208 posts
Posted on 8/1/23 at 7:11 pm to
quote:

Diminished value Probably won't be worth your time to argue for it.

Usually isn’t covered on first party coverage
This post was edited on 8/1/23 at 7:12 pm
Posted by Cosmo
glassman's guest house
Member since Oct 2003
129173 posts
Posted on 8/1/23 at 7:12 pm to
Its the car company’s fault for making the cars too easy to steal

-Progressives
Posted by White Roach
Member since Apr 2009
9666 posts
Posted on 8/1/23 at 7:12 pm to
How the frick did they put 5,000 miles on the car and end up where they started only four days later?
Posted by Hogwall Jackson
Member since Feb 2013
5272 posts
Posted on 8/1/23 at 7:12 pm to
It’s a 2016 with 10K in repairs? How is it not totaled out?
Posted by Tigers0891
Baton Rouge
Member since Aug 2017
7074 posts
Posted on 8/1/23 at 7:12 pm to
It lost more value from the extra mile gained driving away from the dealer than it did in the 5,000 they had it.
Posted by beerJeep
Louisiana
Member since Nov 2016
37689 posts
Posted on 8/1/23 at 7:14 pm to
quote:

They put 5,000 miles on her car in the 4 days they had it.


Jesus frick shite. They were averaging over 60mph for over 3.5/4 days
Posted by berrycajun
Baton Rouge
Member since May 2016
7145 posts
Posted on 8/1/23 at 7:15 pm to
I’m guessing they had points all along the way. That’s why i think it’s a big operation. The cops haven’t told us ANYTHING. Everyone has been complete a holes.

Today she tells me oh they stole my speeding ticket, how do I go about finding out who to call about that?

I’m like wtf
Posted by berrycajun
Baton Rouge
Member since May 2016
7145 posts
Posted on 8/1/23 at 7:15 pm to
They had it 5 days actually now that i think about it
Posted by berrycajun
Baton Rouge
Member since May 2016
7145 posts
Posted on 8/1/23 at 7:18 pm to
It disappeared late night/early morning July 2nd/3rd and was in the high speed chase around 10pm on July 8th
Posted by killedbyindians
Earth
Member since Jun 2022
1420 posts
Posted on 8/1/23 at 7:18 pm to
quote:

How the frick did they put 5,000 miles on the car and end up where they started only four days later?


They took that bum with the wagon train of junk to Alaska.
Posted by Tyga Woods
South Central Jupiter Island, FL
Member since Sep 2016
41383 posts
Posted on 8/1/23 at 7:20 pm to
quote:

They also stole a watermelon but NOT a bag of rice

Posted by BigBinBR
Baton Rouge
Member since Mar 2023
9218 posts
Posted on 8/1/23 at 7:20 pm to
Tell Safeco you want a narcotics contamination test (Meth test). In a contaminated vehicle they will have to replace the interior. Pretty much every carrier just totals the vehicle in that situation as a biohazard.
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