jedimaster Posted August 16, 2010 Report Posted August 16, 2010 Well so a lady(recently divorced) at work, was talking to me and she tells me about how her van got stolen and she didn't have theft coverage. I was talking to her about how to make a claim with her home insurance for the items in the car as I had mine stolen before as well. Anyway she gets a call from the cops on the weekend... Maam we found your car at such and such. She goes down and its upside down in a ditch completly totalled. Well it turns out four 14 year old kids stole two cars, went joy riding(off road) and totalled both cars. Now of course she gonna get nothing for the car, and nothing from the insurance, now she has to pay ot the loan, get new car seats, pay for a rental to commute to work til she buys another car, and to boot she is paying for the tow truck removal of the car from the location, and storage until it gets sent to the wreckers. Seriously what the hell? I mean someones gotta go bang 4 doors down and hold these kids upside down until they our there parents pay for the damages. What kind of an screwed up world do we live in? She feels bad and doesn't want to sue the kids parents but seriously. DOes anyone know a pro bono lawyer that needs some hours that could help this lady out?
smally21 Posted August 16, 2010 Report Posted August 16, 2010 and they say auto theft is victimless. the kids will get nothing and if somebody gives them a beat down they'll go to jail. go figure. do we ever feel like giving punks a beat down? we always feel like giving punks a beat down.
splashhopper Posted August 16, 2010 Report Posted August 16, 2010 "she feels bad".... Why? Because some unruly belligerent little JERKS stole her vehicle and it's gonna cost her BIG time. Go after the parents in civil court and GO BIG. Chances are the parents will settle out of court first and the kids may learn a lesson about ACCOUNTABILITY ! Or not
SudburyAngler Posted August 16, 2010 Report Posted August 16, 2010 They are my age and shenanigans like that never crosses my mind, stuff like that is an absolute outrage that they get away with it, my neighbors van was graffited also buy teenagers, someone should take em' fishing
John Posted August 16, 2010 Report Posted August 16, 2010 Forgive me, but I'm confused. She is driving a van, on the road, with a lien, without insurance?
jedimaster Posted August 16, 2010 Author Report Posted August 16, 2010 Has insurance but didn't have theft coverage.
John Posted August 16, 2010 Report Posted August 16, 2010 Still confused. I was under the impression that theft coverage was part of basic insurance even without collision and comprehensive. I she has a home owners policy that covers contents but no theft on the vehicle, doesn't make sense.
Guest gbfisher Posted August 16, 2010 Report Posted August 16, 2010 Has insurance but didn't have theft coverage. Wonder how much she saved by not having theft? That alone doesnt seen right. Sounds like she didnt have INS at all, like many people on the roads today...
smally21 Posted August 16, 2010 Report Posted August 16, 2010 i had a feeling this post would suddenly switch to picking holes in the story and going after the victim. nice.
John Posted August 16, 2010 Report Posted August 16, 2010 I am in agreement with smally Tommy, I'm just asking a simple question to something that makes no sense.
TC1OZ Posted August 16, 2010 Report Posted August 16, 2010 (edited) She lied to someone about the lien on the car... Either you or the insurance company. I have a feeling its you as you can't get liability only insurance with a lien on the car. Or like everyone else says, she didn't actually have insurance. Edited August 16, 2010 by TC1OZ
SudburyAngler Posted August 16, 2010 Report Posted August 16, 2010 you are right in asking, it just seems apparent that most internet posts with a victim usaully result in scrutiny towards said victim, but people having no theft insurance is more common than one would think, especially with sleds.
Lunatic Posted August 16, 2010 Report Posted August 16, 2010 i dont care about laws,or ages,if someone does any damage to my family or property i dont call cops. my buddy was driving up the sherman cut and two 13-14 yr old kids were throwing rocks off the bridge onto cars,striking his 3 day old freshly painted car. he parked the car further up the hill,ran around thru the bush up onto the train bridge where they were,they ran,one got away, the other was grabbed and while he begged for mercy and pleaded that it wasnt him (of course) my friend punched his face several times knocking the kid out cold. i bet he threw his last rocks. i dont care who agree with this or not. id have done the same.
John Posted August 16, 2010 Report Posted August 16, 2010 i dont care about laws,or ages,if someone does any damage to my family or property i dont call cops. my buddy was driving up the sherman cut and two 13-14 yr old kids were throwing rocks off the bridge onto cars,striking his 3 day old freshly painted car. he parked the car further up the hill,ran around thru the bush up onto the train bridge where they were,they ran,one got away, the other was grabbed and while he begged for mercy and pleaded that it wasnt him (of course) my friend punched his face several times knocking the kid out cold. i bet he threw his last rocks. i dont care who agree with this or not. id have done the same. And you win the prize for the most intelligent post of the day, well done!
TC1OZ Posted August 16, 2010 Report Posted August 16, 2010 i dont care about laws,or ages,if someone does any damage to my family or property i dont call cops. my buddy was driving up the sherman cut and two 13-14 yr old kids were throwing rocks off the bridge onto cars,striking his 3 day old freshly painted car. he parked the car further up the hill,ran around thru the bush up onto the train bridge where they were,they ran,one got away, the other was grabbed and while he begged for mercy and pleaded that it wasnt him (of course) my friend punched his face several times knocking the kid out cold. i bet he threw his last rocks. i dont care who agree with this or not. id have done the same. Because the cops get called after you try to resolve the situation is my guess on why you never call the cops.....
Guest gbfisher Posted August 16, 2010 Report Posted August 16, 2010 Tommy, I'm just asking a simple question to something that makes no sense. Yup ....Lots on none sense...
Lunatic Posted August 16, 2010 Report Posted August 16, 2010 And you win the prize for the most intelligent post of the day, well done! thats right make all the hippy comments you want. we'll wait for people to be killed by rocks coming thru their windsheilds. then we will see how you feel about punks getting 'a talking to' for pulling stunts like this.
jedimaster Posted August 16, 2010 Author Report Posted August 16, 2010 She bought the van with her line of credit and as such no insurance coverage minimums apply. Funny to imply her to be a liar. The reason she didn't have theft is when she was married they had theft on one of the cars but not the other as they didn't worry about it if the van got stolen, when she got divorced she just had them seperate the policies, she got the van he got the car. She thought they would have put the same full coverage on both but the only split the policy and didn't re write it. So is it her fault she didn't check, umm yah, no one is arguing she shouldn't carry theft, but what can you do? go back in time and get coverge on something that gets stolen? In cases like this weather or not there is coverage, when the person is found they should be held liable.
danbouck Posted August 16, 2010 Report Posted August 16, 2010 You have to have full coverage when financing a car but if you get a personal loan or add it to your mortgage you can have liability only. Basic insurance is liability only, then you can add fire/theft, comprehensive etc. We didn't have theft coverage for a while because it added on about $1000/yr I've been down the insurance road before
TC1OZ Posted August 16, 2010 Report Posted August 16, 2010 Well... This is the reason why a finance company won't let you have liability only.... I guess she learned her lesson, since she self financed.
John Posted August 16, 2010 Report Posted August 16, 2010 thats right make all the hippy comments you want. we'll wait for people to be killed by rocks coming thru their windsheilds. then we will see how you feel about punks getting 'a talking to' for pulling stunts like this. Oh I agree 100% that these kids needs a rude awakening, BUT, thumping a 13 or 14 year old unconscious doesn't solve the problem, just someone's anger or ego at the time. If that floats your boat and satisfies your manhood then what can I say..
TC1OZ Posted August 16, 2010 Report Posted August 16, 2010 Oh I agree 100% that these kids needs a rude awakening, BUT, thumping a 13 or 14 year old unconscious doesn't solve the problem, just someone's anger or ego at the time. If that floats your boat and satisfies your manhood then what can I say.. Well not to push any stereo types... but his name is Lunatic and he has a Harley symbol for his picture.... enough said.
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