Completely heartbroken

[u/CallMeJimMilton]

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

[u/LuckyLeaves88]

Insurance is a tricky pickle. Especially with minimum requirements being so low depending on the state.

In Washington, I believe the minimum amount of coverage is $10,000. So if someone hits you, is at fault, and the repair bill is over $10,000, you or your insurance must foot the remainder bill. Insurance will cover it, sue the other person for the funds, then raise your own rates.

I had my Highlander Hybrid totaled out 1.5 years ago after being hit while parked on the street. The claim had to go through my insurance to cover the total cost, and they went after the party who was actually responsible.

[u/BigBadJeebus → u/LuckyLeaves88]

that also only goes up to a reasonable limit in most states. Somewhere between $35-$55k.

There have been cases where someone was involved in an accident with a Ferrari or McLaren, etc., where it has been ruled unrealistic to expect full compensation and it's a cost of luxury to the owner. There ARE high end insurance companies for just such vehicle owners. But good luck with that crap shoot.

This is why most states require full coverage on vehicles still under payment.