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Started By
Message
re: Insurance claim
Posted on 12/4/25 at 9:50 pm to TorchtheFlyingTiger
Posted on 12/4/25 at 9:50 pm to TorchtheFlyingTiger
How does this work? I didn't realize this was a thing people did. Is he not insurable himself? And why would you potentially open yourself up to liability or rate hikes if he makes a claim on your policy? I guess I didn’t explain this well. He’s my wife’s cousin that is a dual citizen and taking college courses while living with us. The car is in his name but to keep his insurance reasonable we put him under ours.
As pointed out, you get what you pay for that doesn’t mean an innocent driver should get screwed.
2
Posted on 12/4/25 at 9:52 pm to Chad504boy
quote:
Why do people think that this is an excuse to not carry comp and collision.
Insurance only pays what is worth.
I have a 2012 Honda Van, the resale value of it is less than what my comp and collision premium is. Why should I insure it when the insurance is going to give me less than what the premiums I pay for it?
Posted on 12/4/25 at 9:54 pm to Chad504boy
quote:
Wanting to guess it’s titled to OP
You’re a fricktard.
Have always been a fricktard.
Will never be anything more than a fricktard.
Congrats.
Posted on 12/4/25 at 9:56 pm to HeyCap
quote:
You’re a fricktard. Have always been a fricktard. Will never be anything more than a fricktard. Congrats.
fricktard you’re the dumb frick in a dumb arse situation Insuring a vehicle you don’t own and asking 101 questions about trying to get the insurance company to accept liabiiity w no statement from insured.
Posted on 12/4/25 at 9:56 pm to HeyCap
quote:
Our roommate got hit
is this the knew first-person "they-them" pronouns?
Or are you a member of a polycule?
Posted on 12/4/25 at 10:07 pm to Tarps99
quote:
the resale value of it is less than what my comp and collision premium is.
Negative
Posted on 12/4/25 at 10:12 pm to HeyCap
quote:
He’s my wife’s cousin that is a dual citizen and taking college courses while living with us. The car is in his name but to keep his insurance reasonable we put him under ours.
Can you say “insurance fraud?”
Posted on 12/4/25 at 10:21 pm to Knucklehead
Is the cousin something like a 19 year old from Estonia? Or is the cousin like a 30 year old from Shreveport?
Posted on 12/4/25 at 10:32 pm to cgrand
quote:
what? you and someone else have a roommate and you are insuring a car that he/she owns?
It’s a gay thing bro. Just move on.
Posted on 12/4/25 at 10:43 pm to HeyCap
If you haven't already, send something in writing showing proof of loss. Photos. Repair estimates.
Not just the guys said its 3k
I
Not just the guys said its 3k
I
Posted on 12/4/25 at 10:53 pm to HeyCap
Hire a lawyer.
If you were hurt, go to the doctor.
I hope you weren’t hurt and if you weren’t, don’t say that you were. But if you don’t have an injury claim, you are going to get screwed on the property damage because even if you win you will have to pay the lawyer, and you may have trouble finding a lawyer to take a property damage only case.
The insurance companies know this and will take full advantage of it.
If you were hurt, go to the doctor.
I hope you weren’t hurt and if you weren’t, don’t say that you were. But if you don’t have an injury claim, you are going to get screwed on the property damage because even if you win you will have to pay the lawyer, and you may have trouble finding a lawyer to take a property damage only case.
The insurance companies know this and will take full advantage of it.
Posted on 12/4/25 at 11:34 pm to HeyCap
quote:
He owns the car but under our insurance
You don’t have an insurable interest so you may not even have a valid contract. It’s difficult to believe that an insurer would issue a policy if the application was completed truthfully.
Posted on 12/4/25 at 11:40 pm to HeyCap
Bro just pay your deductible, let your insurance fix it and they will recoup on the backside and refund your deductible.
This shite ain’t rocket science.
This shite ain’t rocket science.
Posted on 12/5/25 at 5:07 am to brass2mouth
quote:
Bro just pay your deductible, let your insurance fix it and they will recoup on the backside and refund your deductible.
Bro, that would be excellent advice except he doesn't have any collision coverage. He said:
quote:
No collision or comp as it's a 2016 Kia Soul.
So Kia owner has no choice but (1) try to recover from the POS who caused the accident and their liability insurer or (2) eat it.
Posted on 12/5/25 at 5:14 am to HeyCap
Why no citation issued?
And why does it matter if the roommate is a dual citizen?
And why are you and your wife so stupid?
And why does it matter if the roommate is a dual citizen?
And why are you and your wife so stupid?
Posted on 12/5/25 at 6:45 am to HeyCap
quote:
I hate to bring the ambulance chasers in this but I’ve been as patient as one can be expected.
frick you, handle it yourself.
Posted on 12/5/25 at 6:46 am to HeyCap
quote:
He’s my wife’s cousin that is a dual citizen and taking college courses while living with us. The car is in his name but to keep his insurance reasonable we put him under ours.
Good luck defeating the material misrep defense.
Posted on 12/5/25 at 6:57 am to Chad504boy
quote:
the resale value of it is less than what my comp and collision premium is.
Negative
You sure about that. My insurance for that vehicle was running about 1,200 for full coverage every 6 months. The sale value of the vehicle with 271k miles is about 1,000 dollars. I might be able to get 2k on a good day.
Unless State Farm was planning on cutting a check for 7,000 or 8,000 dollars why would I keep paying a thousand dollars more every 6 months for full coverage.
Posted on 12/5/25 at 6:59 am to Tarps99
quote:. I feel like you’re including liability in your premium numbers
My insurance for that vehicle was running about 1,200 for full coverage every 6 months.
Posted on 12/5/25 at 7:04 am to HeyCap
quote:
He owns the car but under our insurance
It's your wife's boyfriend isn't it?
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