I'd be super [censored] if the person I lent my car to was so careless and it was stolen and damaged.
Your friend should pay your deductible since it was their fault.
Your friend should pay your deductible since it was their fault.
Our minivan was stolen over the weekend
- Thread starter KrisZ
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Originally Posted By: Wolf359
Yeah, only advice would be to make whoever left it running pay the deductible.
Yep! Mostly their fault. And if the insurance company doesn't pay, then they're on the hook for it legally.
Yeah, only advice would be to make whoever left it running pay the deductible.
Yep! Mostly their fault. And if the insurance company doesn't pay, then they're on the hook for it legally.
Originally Posted By: The_Nuke
Sorry to hear the bad news. I don’t know what the local laws are like there concerning this sort of thing, but they put a law on the books in Texas some time back to shield insurance companies from having to pay out for claims where the vehicle was stolen while the engine was running or even if just the keys were inside it. It is called Driver-Assisted Theft in their jargon, and basically means they are off the hook when the thief didn’t have to hot-wire it.
Hope your situation had a happy ending!
In the UK insurance companies have the same negligence get-out. In fact it is an offence to leave a vehicle unattended with the engine running.
Sorry to hear the bad news. I don’t know what the local laws are like there concerning this sort of thing, but they put a law on the books in Texas some time back to shield insurance companies from having to pay out for claims where the vehicle was stolen while the engine was running or even if just the keys were inside it. It is called Driver-Assisted Theft in their jargon, and basically means they are off the hook when the thief didn’t have to hot-wire it.
Hope your situation had a happy ending!
In the UK insurance companies have the same negligence get-out. In fact it is an offence to leave a vehicle unattended with the engine running.
Sorry to hear about that but whats done is done, with a family member involved its a no win battle. Consider selling it once its fixed as it will never be the same in your mind.
Originally Posted By: PimTac
If the insurance finds out it was left running, well, I will leave it at that.
X2
I would also ask the mods to delete this thread so the insurance company doesn’t find out thus leaving you poop outa luck.
If the insurance finds out it was left running, well, I will leave it at that.
X2
I would also ask the mods to delete this thread so the insurance company doesn’t find out thus leaving you poop outa luck.
I have not mentioned anything about leaving the vehicle running unattended to the insurance company, since nobody asked, but the police report already has that info because the bright individual that left it running also reported it stolen and talked to the police. My wife and I were out of the country when all of this happened.
That cat is out of the bag already.
Now the fixing part has me a little worried because I know the vehicle never feels the same afterwards. Selling it might be an option, but the market is not exactly minivan friendly at the moment. I may have to suck it up.
That cat is out of the bag already.
Now the fixing part has me a little worried because I know the vehicle never feels the same afterwards. Selling it might be an option, but the market is not exactly minivan friendly at the moment. I may have to suck it up.
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Originally Posted By: dlundblad
Originally Posted By: PimTac
If the insurance finds out it was left running, well, I will leave it at that.
X2
I would also ask the mods to delete this thread so the insurance company doesn’t find out thus leaving you poop outa luck.
He'd probably have to read the policy, but there probably isn't an easy out like that for the insurance company. My guess is that it's still covered even though it was a stupid thing to do. Lots of times cars get damaged due to stupid reasons and it's still covered. That's somewhat the point of insurance. The deductible is supposed to make it a little painful so you don't do it again.
Originally Posted By: PimTac
If the insurance finds out it was left running, well, I will leave it at that.
X2
I would also ask the mods to delete this thread so the insurance company doesn’t find out thus leaving you poop outa luck.
He'd probably have to read the policy, but there probably isn't an easy out like that for the insurance company. My guess is that it's still covered even though it was a stupid thing to do. Lots of times cars get damaged due to stupid reasons and it's still covered. That's somewhat the point of insurance. The deductible is supposed to make it a little painful so you don't do it again.
Originally Posted By: KrisZ
Not looking for a replacement, but I will see how it is fixed. Selling it might be on the table.
I will also be asking back for my deductible from the individual that carelessly left it running, but I have a feeling it will turn into sour grapes mighty quick.
Read your insurance policy, and find out exactly what your insurer is contractually obligated to do in this situation.
Second EDIT: Not sure how things work in Canada, but in this country, state insurance commissions promulgate regulations that are deemed to be included in insurance policies, whether or not they are actually written into the policy. You should check and see if anything like that could favor you.
Your van is worth a lot less because it has been a) stolen, and b) wrecked while stolen.
The nimrod who left it running to be stolen MIGHT be negligent depending on the facts, and might have insurance to cover this loss. Shake him down.
EDIT: Whoops, family member? As in one of your kids? Or someone who might have their own homeowners or umbrella policy?
If the punks are caught and prosecuted, they will be made to pay restitution, provided you stay on top of the case. Caveat: this can take an eternity. Once in a while I still get a restitution check from property crimes I don't even remember.
I've had vehicles stolen, it's not much fun; be glad you had full coverage on it as it could be even worse than it already is.
Not looking for a replacement, but I will see how it is fixed. Selling it might be on the table.
I will also be asking back for my deductible from the individual that carelessly left it running, but I have a feeling it will turn into sour grapes mighty quick.
Read your insurance policy, and find out exactly what your insurer is contractually obligated to do in this situation.
Second EDIT: Not sure how things work in Canada, but in this country, state insurance commissions promulgate regulations that are deemed to be included in insurance policies, whether or not they are actually written into the policy. You should check and see if anything like that could favor you.
Your van is worth a lot less because it has been a) stolen, and b) wrecked while stolen.
The nimrod who left it running to be stolen MIGHT be negligent depending on the facts, and might have insurance to cover this loss. Shake him down.
EDIT: Whoops, family member? As in one of your kids? Or someone who might have their own homeowners or umbrella policy?
If the punks are caught and prosecuted, they will be made to pay restitution, provided you stay on top of the case. Caveat: this can take an eternity. Once in a while I still get a restitution check from property crimes I don't even remember.
I've had vehicles stolen, it's not much fun; be glad you had full coverage on it as it could be even worse than it already is.
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Originally Posted By: Win
Originally Posted By: KrisZ
Not looking for a replacement, but I will see how it is fixed. Selling it might be on the table.
I will also be asking back for my deductible from the individual that carelessly left it running, but I have a feeling it will turn into sour grapes mighty quick.
Read your insurance policy, and find out exactly what your insurer is contractually obligated to do in this situation.
Your van is worth a lot less because it has been a) stolen, and b) wrecked while stolen.
The nimrod who left it running to be stolen MIGHT be negligent depending on the facts, and might have insurance to cover this loss. Shake him down.
EDIT: Whoops, family member? As in one of your kids? Or someone who might have their own homeowners or umbrella policy?
If the punks are caught and prosecuted, they will be made to pay restitution, provided you stay on top of the case. Caveat: this can take an eternity. Once in a while I still get a restitution check from property crimes I don't even remember.
I've had vehicles stolen, it's not much fun; be glad you had full coverage on it as it could be even worse than it already is.
Nope-not really. If it's just body work-and even if the Carfax shows it-that doesn't make it "substantially less" than it was before.
Go on CarMax. You be surprised how many vehicles show an accident on the Carfax and they are not worth that much less than one that wasn't in an accident. Of course-it all depends on the damage. If there isn't suspension/mechanical damage-the OP will be fine.
Originally Posted By: KrisZ
Not looking for a replacement, but I will see how it is fixed. Selling it might be on the table.
I will also be asking back for my deductible from the individual that carelessly left it running, but I have a feeling it will turn into sour grapes mighty quick.
Read your insurance policy, and find out exactly what your insurer is contractually obligated to do in this situation.
Your van is worth a lot less because it has been a) stolen, and b) wrecked while stolen.
The nimrod who left it running to be stolen MIGHT be negligent depending on the facts, and might have insurance to cover this loss. Shake him down.
EDIT: Whoops, family member? As in one of your kids? Or someone who might have their own homeowners or umbrella policy?
If the punks are caught and prosecuted, they will be made to pay restitution, provided you stay on top of the case. Caveat: this can take an eternity. Once in a while I still get a restitution check from property crimes I don't even remember.
I've had vehicles stolen, it's not much fun; be glad you had full coverage on it as it could be even worse than it already is.
Nope-not really. If it's just body work-and even if the Carfax shows it-that doesn't make it "substantially less" than it was before.
Go on CarMax. You be surprised how many vehicles show an accident on the Carfax and they are not worth that much less than one that wasn't in an accident. Of course-it all depends on the damage. If there isn't suspension/mechanical damage-the OP will be fine.
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This is why I don't lend vehicles, or generally anything, to people who ask. The type of person that would actually ask to borrow something, usually have no respect for their own property, let alone the property of others.
Too many examples I could share, but have no interest in typing them out.
Good luck, OP.
Too many examples I could share, but have no interest in typing them out.
Good luck, OP.
Keep us posted on how badly the insurance institution and the cops screw you guys
Originally Posted By: KrisZ
Not looking for a replacement, but I will see how it is fixed. Selling it might be on the table.
I will also be asking back for my deductible from the individual that carelessly left it running, but I have a feeling it will turn into sour grapes mighty quick.
How much is the deductible?
Not looking for a replacement, but I will see how it is fixed. Selling it might be on the table.
I will also be asking back for my deductible from the individual that carelessly left it running, but I have a feeling it will turn into sour grapes mighty quick.
How much is the deductible?
I wilk definitely keep this thread updated.
We need to get a child seat because it is missing (no clue why anyone would take it) and the insurance adjuster said to buy it and send them the receipt.
The deductible is $500.
We need to get a child seat because it is missing (no clue why anyone would take it) and the insurance adjuster said to buy it and send them the receipt.
The deductible is $500.
Originally Posted By: KrisZ
I wilk definitely keep this thread updated.
We need to get a child seat because it is missing (no clue why anyone would take it) and the insurance adjuster said to buy it and send them the receipt.
The deductible is $500.
seat: to sell for cash?
Sorry it happen to you.
May I suggest for cleaning to retain the services of the professional house cleaning vans? I hear they could suck-a-bowling-bowl.
My SIL manual/stickshift 2-owners mint Acura hatchback ended up in the compound with battery/console/board/driving wheel missing after a steal-and-joyride.
I wilk definitely keep this thread updated.
We need to get a child seat because it is missing (no clue why anyone would take it) and the insurance adjuster said to buy it and send them the receipt.
The deductible is $500.
seat: to sell for cash?
Sorry it happen to you.
May I suggest for cleaning to retain the services of the professional house cleaning vans? I hear they could suck-a-bowling-bowl.
My SIL manual/stickshift 2-owners mint Acura hatchback ended up in the compound with battery/console/board/driving wheel missing after a steal-and-joyride.
Luckily they didn't get into a serious wreck and the families sue you're since your the owner.
One reason of several why I flat out refuse to loan out a car to anyone, especially family.
Update.
The van is being repaired by my dealership. So far all the work was authorized by the insurance adjuster. I'm quite relieved as the damages are over $6k. I could not believe the amount when they told me. The damage is mostly cosmetic with only the front wheel being sent to a specialist for fixing the small damage and checking the balance. The rest is done in the body shop. No radiator or other internal damage was done. I guess we'll see once I pick it up and start driving if that's true.
It should be ready sometime next week.
The van is being repaired by my dealership. So far all the work was authorized by the insurance adjuster. I'm quite relieved as the damages are over $6k. I could not believe the amount when they told me. The damage is mostly cosmetic with only the front wheel being sent to a specialist for fixing the small damage and checking the balance. The rest is done in the body shop. No radiator or other internal damage was done. I guess we'll see once I pick it up and start driving if that's true.
It should be ready sometime next week.
Sorry to hear about your troubles, hopefully it gets sorted out.
Out here, leaving a vehicle unattended while running is called "puffing" and laws were passed to make it illegal. There were and still are unfortunatley, many instances of people starting their vehicle to warm up in the winter and going back in their home. This attracts teams of thieves driving through neighborhoods looking for these "puffers".
Out here, leaving a vehicle unattended while running is called "puffing" and laws were passed to make it illegal. There were and still are unfortunatley, many instances of people starting their vehicle to warm up in the winter and going back in their home. This attracts teams of thieves driving through neighborhoods looking for these "puffers".
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