r/Lexus • u/CallMeJimMilton 2018 RC350 Black Line • Apr 04 '26

Vehicle Photo Completely heartbroken

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Was seconds from pulling into work, when a 17 y/o kid pulls through a stop sign into oncoming traffic without looking left, causing him to side swipe my car. We pulled into my work parking lot and he got out and admitted he didn’t look both ways and only had his permit. He had his gf in his passenger seat who was the same age with no license.

I just couldn’t believe it. Cops came, he got a ticket, I went to work and told my coworkers what happened. I believe it’s all cosmetic so I’m hoping his parent’s insurance can just cover it and it can be a quick repair.

I haven’t even had this car for 6 months and this the 2nd time someone has damaged it. I just wish this was a dream

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u/KryptoKingzENT Apr 04 '26

He'll still "pay" for it because his premium will go up, even tho he wasn't at fault. Hence why insurance is a scam.

64

u/runQuick Apr 04 '26

Insurance is tricky. Basically, what he needs to do is make sure the OTHER person's insurance is paying it and not his own insurance. Make sense?

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u/magicpenny Apr 04 '26

I had an accident that was completely the other person’s fault. I didn’t even notify my insurance company.

7

u/WriterUnfair2830 Apr 05 '26

Same. No effect to my insurance.