I was in Florida on vacation. After a night of really great sex, I went back to my friend’s house. I was in the shower, my mom called, and told amanda to get me out. my little sister was in a car accident. Both her and the driver were safe, but the car was totalled. Then she told me it was my car. I’d left it parked in my parking lot while I was gone, she stole the keys from my mom, drove 45 minutes away to get her friend, let her friend drive, and he then proceeded to crash my car. I loved my car. It was my baby. Even better, neither of them had licenses other than a permit, and neither were on my insurance. So my insurance may not pay now. It’ll be $600 for a rental car for a month, and if insurance does pay, it’s a $500 deductible. My sister has no paychecks for like, the rest of her life. And I’m struggling to find a rental car because I’m only 18, and most places don’t rent to under 21. Grr. So my life’s totally fucked up at the moment, because without my car, I can’t work, and I have to get rides from my mom. Oy. Anyone have a car they wanna give me?
Ouch!
- Luckily, the little twit is OK. She’s your sis, after all.
- I guess you’ll have to sue her. You’ll win, but as you said already, there’s no money.
I’ll just wait for the US law experts to come in here.
Good news: The destructive acts of an underage minor can be billed to their parents.
Bad news: That’s your Mom.
If the boyfriend who was driving was underage as well, you may wish to institute proceedings against his parents. If he is no longer a minor, proceed against him in court. His future earnings can be garnished to compensate you. Regardless of the fact that your sister provided an attractive nusiance, he was under no duress or obligation to take control of the vehicle. The wreck is entirely his responsibility. Find out the insurance carrier for his parents and contact them immediately.
Make sure to rent a car from a pool approved by their insurance carrier. That way you will not have to pay money if the rates are different from what they allow.
The first time I spent the night with my now-hubby at his house, he remembered that he had left HIS car at my house, and now had no way to get to work. I loaned him mine, and less than a half an hour later, he called me and sheepishly informed me that he had crashed it. I asked if he were all right, and when he said he was, I shrugged it off. I have insurance, I said, don’t worry about it. He couldn’t believe I was so calm and casual about it. When I went to see the car, I saw that my South Park bumper sticker had been torn up, and THAT, I told him, I was angry about. He laughed and replaced it.
You have full coverage insurance on your car, I assume?
Well, when this accident occurred, my insurance covered the entire thing, even though my guy wasn’t covered explicitly by the policy. Some policies cover anyone who’s driving the car . . . you may want to read yours to see what all is covered. If not, they should cover because your car was, in fact, stolen, even if it was by your baby sister, and I believe that your policy should cover any damage done by a “thief.”
I think, however, that either she or your mother should pay the deductible.
I am sorry about the loss of your car. Good luck! If the insurance company gives you much grief, you might want to contact an attorney so he/she can advise you on what your rights are.
don’t know if you want to go this route, but…
Technically, she stole the car. (well, not just technically). One of the major problems for your insurance to pay is that there was no valid DL - if you hand over the keys to a known unlicensed driver, you’re SOL re insurance. However, if she stole it w/o your knowledge etc., then that’s the same as if some punk down the street did.
Good news is that your insurance would probably cover.
Bad news is your sister would have a felony.
Like I said, don’t know that you want to go that route, it can have some pretty serious ramifications for the family reunions.
(I have seen it done).
Better news. Her mother’s homeowner insurance should cover it, if she has it.
How so? Don’t think that homeowners insurance routinely covers illegal acts by members of the household. -or are you thinking of something else?
Sometimes it does. I’m not sure if this is true for all states, though. I’m im Michigan, and the following event occurred here:
My former boyfriend (henceforth referred to as FB) has a crack-addicted brother. FB is a licensed auto mechanic, and kept a lot of tools in his truck. One night, FB & a friend of his were working on a vehicle, and FB’s friend left a bunch of his tools in FB’s truck. That night, crack-addict brother stole all the tools from the truck, to sell for crack money. At the time, FB lived with his mom, and so did Crackhead. Crackhead fessed up the next day, but it was too late–the tools were gone. Their mother’s homeowner’s covered all the tools, though, including FB’s friend’s tools, because the truck was parked on their property when the break-in occurred (yes, Crackhead actually DID break in to the vehicle).
i feel your pain.
i had been married about a month when my sister totalled my truck i loaned her. oh wait
did i say total?
i meant burnt to a freakin crisp.
to the ground
black,charcoal,etc…
she is 4 years older than me by the way
never got sorry about your truck or wow that was some fire or anything.
that was 10 years ago
If you report it stolen would your insurance cover it?
I mean - it was stolen, right?
Geez! night of the CF double posts! I didn’t see wring’s post above. Sorry.
Glad your little sis is OK, too.
“Don’t think that homeowners insurance routinely covers illegal acts by members of
the household.”
You would be surprised what it covers.
One time someone’s canine took a nasty bite on my leg & I called their homeowners insurance agent & he said to just let him know what I want & I did & he paid, not a question at all.