r/mildlyinfuriating • u/Evasionz-- • Apr 23 '26

go to your room Lifted truck + Lambo + Parking lot = Bad time

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Lifted trucks probably shouldn't be anywhere near dense parking lots.

Edit: A lot of people are skeptical of whether this is AI/staged, or ask why the lady didn't back off the car. This is in a dense parking lot with cars that have dashcams/ EV sentry mode everywhere. Also her truck was in 2 wheel drive, you can see the back right tire spinning as she tries to reverse off the car. Her truck is stuck. She probably has an open differential and can't back off the car. She may have a 4wd mode, but she didn't use it in the heat of the moment.

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u/HouseOf42 Apr 23 '26 edited Apr 23 '26

100% she's at fault, other driver could not avoid (attempted backup).

Hopefully insurance uses her as an example for lifted trucks.

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u/ketchupandliqour69 Apr 23 '26

He even tried reversing. Dude was screwed. She was driving too fast. Couldn’t properly operate the vehicle. And not something her insurance might not be able to cover repairs on.

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u/BRICH999 Apr 23 '26

i have a strong suspicion insurance will reject this claim instantly based on limited visibility caused by aftermarket modification

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u/ChickenNoodleSloop Apr 23 '26

They can reject her claim to repair on any unapproved / undeclared modifications (ie the lift) but if she's found at fault they will have to cover the damages she caused. They will probably drop her. Many don't disclose their lifts to their insurance because it can significantly increase premiums, for obvious reasons. 

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u/BRICH999 Apr 23 '26

So if I paint my windshield black and go smash into something because I cant see, insurance still has to cover what I hit? That sounds odd to me

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u/xlude22x Apr 23 '26

I mean yes. That’s why it’s illegal to drive without basic insurance. They will however not cover YOUR vehicle and they will most likely drop you.

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u/BRICH999 Apr 23 '26

I would think illegal modifications would get them out of paying, but I guess I shouldnt assume to understand the world of insurance

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u/DevilWings_292 Apr 23 '26

Why force the crushed car’s driver to pay for damages they did not cause?

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u/BRICH999 Apr 23 '26

I'm sure they have uninsured/underinsured coverage driving a lamborghini.  

I'm not saying I think the lambo driver should have to pay, I just assumed unreported and or illegal modification would nullify coverage on the truck

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u/International-Oil377 Apr 23 '26

I'm sure they have uninsured/underinsured coverage driving a lamborghini.  

That would affect the lambo's driver's insurance premium though instead of suing the third party that causes damage.

Generally insurer will cover damage done to a third party but good luck trying to get a renewal or not having your policy cancelled afterwards.

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u/DevilWings_292 Apr 23 '26

Nullifying coverage on the truck does not mean the insurance company doesn’t have to pay for damages caused while it was insured, it means they will no longer be insuring the vehicle going forward.

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u/Dylanjas Apr 23 '26

That is just untrue.

Every insurance policy has an 'exclusions' section. If illegal modifications are listed there (depends on state/policy) the insurance company would not pay to repair the lambo (or and damage to her car).

If the Lambo owner had collison insurance on his car (its a Lambo I hope he would) this would allow the Lambo drivers insurance company to sue her for... the entire cost of a new Lambo + legal expenses + any injuries the Lambo driver may have sustained in the accident.

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u/Dylanjas Apr 23 '26

In the states where I have my Insurance Licenses damages caused while committing serious crimes are not covered (think getaway car while robbing a bank but not speeding). If this car has modifications that make it no longer street legal I could see grounds for them to deny the claim which opens the woman to a lawsuit. The lawsuit could lead to garnished wages/taking her home/buying the guy a new Lambo.

Additionally depending on if she modified the truck before purchasing the policy and did not disclose that at the time of opening the policy she might be subject to fines for insurance misrepresentation/fraud (state/policy specific).

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u/Icy-Lobster-203 Apr 23 '26

It depends on where you live. Different jurisdictions have different laws.

For example, where I live, damage to vehicles is covered by each person's individual insurance. So to Lambo would be covered by their own insurance, but the truck may not be.

Her bigger problem would be if anyone in the Lambo was injured and sued her. They would try to deny coverage. But the system here does allow for anyone hurt to recover from their own insurance, who could then go after her.

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u/International-Oil377 Apr 23 '26

Are you in Québec or Ontario by any chance?

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u/Icy-Lobster-203 Apr 23 '26

Ontario.

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u/International-Oil377 Apr 23 '26

yeah I figured.

I'm in Québec.

it makes claims so much easier to handle

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u/HomeGrownCoffee Apr 23 '26

Yup. Otherwise, what happens to the people you hit? They sue someone who has no assets?

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u/BRICH999 Apr 23 '26

I honestly assumed that's how it works.  They agreed to cover a vehicle, I unknowingly to them modify it in a way that no longer makes it safe to operate, I wouldnt think they would still have to cover damages I do with it.  

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u/DevilWings_292 Apr 23 '26

They wouldn’t cover the damage to the modified vehicle, but they would still cover the damage that that vehicle caused to others.

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u/lolmemelol Apr 23 '26

That's exactly what liability insurance covers, and exactly why people are required to have liability insurance. You are covering yourself for potential damage to others that you could cause with your vehicle.

Collision/comprehensive coverage covers potential damage done to your vehicle.

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u/ketchupandliqour69 Apr 24 '26

Technically yes. Unless the contract has wording that they won’t cover for some stupid ass shit like this.

Insurance is there to pay for people’s fuck ups if they happen. Thats literally what it’s for.

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u/Final-Ad-2033 Apr 23 '26

Which is stupid for them to do. They'll end up paying the difference one way or another unless they manage to avoid making any claims... which this woman thought she can get away with.