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108
• (edited )
You Don't Own Your Car

You may think "but yes I do, I have a title and don't owe anything on it." Well, you have insured yourself and the car, right? So you go for a drive and get into an accident where you cannot drive the car away. At that point, the car becomes property of the insurance agency that insures it since they have to then determine liability and subsequent costs of repair or write off. You can REQUEST to have the car "released" back to you in which then your write off amount will be the value of the car at the time of accident minus whatever they calculate the junk is now worth.

But technically, you don't actually own it. If you declined towing and removed it from the scene on your own, taking it home or to another service station not authorized, your insurance coverage could be affected negatively.

It's another usury game by the usual suspects.

Note: I live in Texas and so this may all be regional, could even be part of the coverage paid for. Either way, still seems dodgy to me.

EDIT again: This is all due to the fact the car in question is actually my dads, so the 'ownership' isn't mine, which all makes sense. I guess I need to read up more on kike insurance regulations.

You may think "but yes I do, I have a title and don't owe anything on it." Well, you have insured yourself and the car, right? So you go for a drive and get into an accident where you cannot drive the car away. At that point, the car becomes property of the insurance agency that insures it since they have to then determine liability and subsequent costs of repair or write off. You can REQUEST to have the car "released" back to you in which then your write off amount will be the value of the car at the time of accident minus whatever they calculate the junk is now worth. But technically, you don't actually own it. If you declined towing and removed it from the scene on your own, taking it home or to another service station not authorized, your insurance coverage could be affected negatively. It's another usury game by the usual suspects. Note: I live in Texas and so this may all be regional, could even be part of the coverage paid for. Either way, still seems dodgy to me. EDIT again: This is all due to the fact the car in question is actually my dads, so the 'ownership' isn't mine, which all makes sense. I guess I need to read up more on kike insurance regulations.

(post is archived)

[–] • 2 pts

I can have it towed anywhere I like after an accident and I can purchase the vehicle back from insurance as salvage after they pay me the full value of it. I dont want to keep a wrecked car, that's why you have insurance. The only time you are not legally allowed to drive it off is if your airbags deploy or other safety hazard. I had no visible damage to my car but airbags went off, I couldn't drive it home. Had it towed home and ordered new airbags. I rolled a truck, airbags never went off, and no leaking fluids. Drove it home. What are you smoking?

[–] • 0 pt

Must be the context then - the insurance (State Farm) is being shitty. It is also my fathers truck, so not technically mine, though we are all covered and share the same name.

Must be on us then...

[–] • 0 pt

Seems like you answered your own question.

State farm dropped me like a bad habit.

[–] • 0 pt

Yeah, I have been wanting to drop SF for a while, but especially since they released their DEI antiWhite memos.

[–] • 2 pts

You still own your car, dipshit. The issue is that insurance is required by law, even if you have enough money to pay for any damages the car might cause. That's the grift.

[–] • 1 pt

This time, I am the dipshit. Sounds like the confusion from me is because its my dads truck, so they're basically telling me to fuck off.

I guess that makes sense.

[–] • 0 pt

Insurance is only a grift if you never use it...

[–] • 1 pt

The insurance company doesn't own the car unless they buy it off you. The scam part is probably the outrageous fees from a tow shop that won't release a car unless paid by you the owner or by you via your insurance coverage.

[–] • 1 pt

Some states charge property taxes on cars, and those are the places where you truly do not own your car.

[–] • 1 pt

the car becomes property of the insurance agency that insures it

Assuming you have a car that's worth insuring for collision. When it's just liability they don't care.

[–] • 0 pt

I had some idiot drive out in front of me like I wasn't there. It was late, so we were the only 2 drivers in the vicinity. I tried to dodge and go around, but it was futile. This actually made the corner of my car smash into the front of his. They initially said they were going to repair my car (14 years old Toyota Corolla), but when the body shop started getting into it, a lot of things involved with attaching parts were twisted and mangled. This raised the repair costs to where it was declared a total loss.

Anyway, they gave me $4000 for a car that had a Blue Book value of $2500. That means if I sold it to a dealership, I probably would've got $1500 if that much, and I could have pushed for a good sale and got up to $2500 from a person or accepted a quick sale of $2000. I found out there were laws governing how much they had to pay me. It was supposed to be enough that I could get a car of similar value. I ended up buying a new car with that and some other money I had. As a privileged white person with 2 successful and responsible parents, they loaned me $4000 to cover the rest of the cost.