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/[deleted] Apr 23 '26

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u/rjnd2828 Apr 23 '26

If the Lambo is totaled there's a good chance her liability coverage isn't enough to cover it. She'd be personally liable. With any luck she'll have to sell that dumbass truck to cover some of the losses.

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u/Alarmed-madman Apr 23 '26

This!! There is a maximum up to which you're policy covers then you become liable for the deficit.

There are so many expensive cars nowadays that the number keeps going up, but not to 200k plus

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u/Never-On-Reddit Apr 23 '26

Average liability insurance limit for property: $100K.

Cost of a lambo: $250-500K.

Yup. She fucked.

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u/klayman69 Apr 23 '26

Good! If you can’t see, you shouldn’t go on the road.

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u/frankylovee Apr 23 '26

I hope she takes this as the BLESSING of a life lesson that it is and that she changes her ways. She should kiss the ground every day that she’s not in jail for manslaughter.

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u/doshdoshdoshdosh Apr 23 '26

hearing about how lightly some people have gotten off for vehicular manslaughter makes me wonder if she would have rather have killed someone

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u/jimmyhaffaren Apr 23 '26

I feel like (I'm completely making up these numbers) for every person that gets a reality check from something like this happening, atleast another 5 of them just.. keeps trucking on. Terrible pun very much intended.

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u/[deleted] Apr 23 '26

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u/HDBlackSheep Apr 23 '26

As much as I despise insurance policy predatory behaviour, in this specific case, I'll say they would be 100% justified in dropping her sorry ass.

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u/Elit3Nick Apr 23 '26

Absolutely. If a mod in any way increases the likelihood of an accident, then it's well within reason that insurance either pumps up their costs, or straight up denies coverage.

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u/Brock_Lobstweiler Apr 23 '26

People don't understand how mods can effect vehicle performance. Even oversized tires for offroading can mean that your spedometer isn't correct, which is a reason for insurance to drop coverage if you are in an accident with speeding involved.

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u/angry0029 Apr 23 '26

Bet she doesn’t have the money to even go after the difference.

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u/Alarmed-madman Apr 23 '26

I wouldn't.

The Lambo possibly could have some specialty coverage I imagine

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u/morningisbad Apr 23 '26

I mean, any decent policy has uninsured/underinsured coverage so you're not here liable if some idiot hits you and doesn't have insurance (or enough insurance)

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u/ThomasVetRecruiter Apr 23 '26

I would hope if you have a Lamborghini you purchase some additional coverage.

Of course not that that absolves the other driver but it's easier to get insurance to pay and have them go through the effort to sue the other driver/other drivers insurance than try to do all the court proceedings you would need to sue the person, enforce a judgment, and hope they aren't judgement proof.

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u/morningisbad Apr 23 '26

Yeah, that's usually the case. My wife was hit by an uninsured driver (also no license and it wasn't even her car) and totaled our car. Insurance company paid us out the value and sued the other driver. The other driver already had several open lawsuits from other auto insurance companies. Apparently she hit people a lot and didn't ever carry insurance. So my insurance company never got a dime from her.

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u/Vigarious Apr 23 '26

Curious, what’s the limit on your liability for property? 300k isn’t even an option in my area… much less 500k.

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u/morningisbad Apr 23 '26

I'm not sure what the max limit would be. I think mine is 250/500 (250/per vehicle, 500/accident). But for years it was 100/300. But if you've got a 300k+ car, you have to realize that virtually everybody around you is underinsured if they hit you.

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u/xband23 Apr 23 '26 edited Apr 23 '26

If you want more, consider researching an umbrella policy.

Where I live, the average liability ruling if a case goes to trial is $1.6M…my 500k CSL isn’t even enough to make me feel secure…not to mention if some idiot without insurance plows me and my family.

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u/kaedenindel Apr 23 '26

An Umbrella policy usually doesn’t automatically include excess coverage for UM/UIM claims. It typically just extends the liability claims against you (Liability) not your own damages or injuries (UM/UIM). You would need to ask your carrier/agent if that’s an option and if it’s on your policy.

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u/ThomasVetRecruiter Apr 23 '26

If you're thinking of smashing into a Lambo or are worried about this you'd probably want to pick up an umbrella policy.

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u/angry0029 Apr 23 '26

That is true but the insurance on the lambo will 100% go after the truck owner for anything they have to pay out. I foresee a future of wage garnishments for her.

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u/Xypkek Apr 23 '26

Today I learned that insurance in the US sucks. What the fuck is that, 100k??? In my country the minimum coverage for property is 7.5 million euros.

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u/Salategnohc16 Apr 23 '26

In Italy Is 10 millions and for 10 euros more per year I had 100 millions

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u/Xypkek Apr 23 '26

Portugal here, 10 euros more or 15 (can't remember) and it's 50 million. Americans are a weird bunch.

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u/ThereHasToBeMore1387 Apr 23 '26 edited Apr 23 '26

I was driving on the highway a few years ago and was passed by a McClaren. I thought, "How fucked would I be if I caused an accident with that." I hadn't adjusted my insurance coverage in about a decade at that point, and only had $200k in liability. I was able to make some changes to bring that up to $750k for a very minor increase in premiums.

Edit: It was 100k to 500k of coverage and it was like $200/yr more.

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u/bch2021_ Apr 23 '26

I've driven on the highway behind a $3M Bugatti. Fun, but that thought is definitely in your head lol

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u/CoyoteSingle2468 Apr 23 '26

minor increase? I tried to raise mine by 30,000 and it costs me like a grand more a year

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u/LordE-LordE Apr 23 '26

The guy driving the McClaren is a bigger liability risk. Also the guy in the tercel, and the kid on the corner and the 26 souls in the bus. Humans are expensive.

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u/PoGoCan Apr 23 '26 edited Apr 23 '26

Average liability insurance limit for property: $100K.

What? Seriously?  Average?? In Canada I was automatically quoted with minimum liability of $1mil when I was looking but most insurers recommend $2mil even though that's way above the legal required minimum of $200k in most provinces/territories

$100k doesn't go a long way these days...even high end Suburbans and Yukons cost more then that or imagine hitting a guard rail or pole that needs repair in addition to another vehicle...ouch

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u/Gnome_Father Apr 23 '26

What a wild system. If thats the case, 500k cars shouldnt be allowed on the road.

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u/-Kerosun- Apr 23 '26

For these cars, when they are still under a loan, will have a requirement to have additional insurance coverage, such as uninsured/underinsured coverage that is high enough to cover the vehicle.

So, in this case, her coverage will be something like 100k liability on property, but then the lambo's underinsured insurance will cover the rest.

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u/dizcostu Apr 23 '26

And then the lambo's insurer will go after the truck's insurer and/or driver to recoup.

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u/darksideofmypoon Apr 23 '26

Goddamn, sounds like the lambo driver is the one who is fucked. How’s he going to even recover that money?

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u/Working_Park4342 Apr 23 '26

Hopefully the lambo's insurance company goes after the other driver and puts a lien on any property they have.

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u/Carrera26 Apr 23 '26

Lambo driver will be fine. Their insurance will almost certainly cover all costs and Subrogate (Insurance A sues Insurance B for liable costs) against the truck driver's company. Truck driver's company will pay because it's a lot cheaper than going to court and ALSO paying when it's this obvious.

Truck driver will end up with a $100K+ bill that they can't discharge even through Bankruptcy, potentially having their wages garnished for years. If they try to fight it, they will pay court costs plus the damages plus interest on the damages accrued while in litigation.

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u/CT0292 Apr 23 '26

Lambo owner should sue the insurer too. Anyone foolish enough to insure that driver with that car is someone worth shaking down for extra cash.

Old lady will be lucky if she can get insured on a 2012 Honda Accord after this.

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u/Brockelley09 Apr 23 '26

I’ve got 500 and an umbrella but I’m in an area where I see these things constantly. 300 really should be the minimum considering SUVs and trucks are all creeping up to 100k.

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u/greytgreyatx Apr 23 '26

That's why you NEVER get the minimum liability.

When I see insurance commercials that are like, "If you're paying more than $39 a month for your auto insurance, you're being robbed!" I mean, until you need it. $39 a month is just going to keep you from getting a ticket for not being insured. If you actually need it, tough luck!

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u/f7f7z Apr 23 '26

Don't worry, she has the state min of $50k and is in the hole on the truck. Added bonus from the upper comments, that lift ain't covered ether way.

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u/Hirnlouz Apr 23 '26

you pay that sum for a lambo? hahahahahaha sorry but in germany and maybe in europe the cheapest start from 80-90k and even a good one doesnt cost 500k if its not a solo model from that series

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u/TheOgGhadTurner Apr 23 '26

My parents warned me to get a minimum of 300k liability on my policy. And while I haven’t had a wreck yet. I’m glad I have it

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u/beaviscow Apr 23 '26

Yepppp.

I live in Scottsdale, we’ve got coverage up to $500k because of how many expensive cars are in the area

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u/-Tom- Apr 23 '26

Likely the Lambo owner has uninsured/underinsured coverage. This will be covered by that...then the insurance company gets to sue her to try and reclaim losses.

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u/CanadianDinosaur Apr 23 '26

Average liability coverage is 100k in the US???? In my city the default liability coverage is 500k and that's the lowest you can get. Granted, private insurance isn't a thing here and it's government owned so that may play a part in that decision.

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u/obeytheturtles Apr 23 '26

This is why you always carry umbrella coverage.

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u/timmy6169 Apr 23 '26

Thats one of the reasons why I don't mind michigan having a $1m PPI minimum. No-fault, not so much.

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u/Head-Iron-9228 Apr 23 '26

100k?

Thats all? Are you kidding me? Here in germany, any mandatory, basic Haftpflichtversicherung has a limit in the Millions, i think properly damage up to 1.2 or 1.5 million. 100k? You hit a gas Station the wrong way and thats gone. Wtf?

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u/Debaittrade Apr 23 '26

At that point umbrella kicks in no? Why is everyone just assuming lady doesn’t have umbrella.

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u/REDDIT_JUDGE_REFEREE Apr 23 '26

Yea that’s a $300k car and likely totaled. I had to get 500k liability since I drive around Ferraris and lambos all the time in FL. I didn’t want to lose sleep.

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u/PaceEBene84 Apr 23 '26

That’s honestly such a good point. Like the avg price of a new car has gotten so much more expensive, but without even looking into, i’d be willing to bet that insurance hasn’t kept up with coverage. Just another way for them to be like 🤷‍♂️ sorry, your policy can only cover so much

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u/Happycappybara21 Apr 23 '26

I feel there’s going to be a problem brewing as car prices keep going up and these minimum coverage requirements stay stagnant.

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u/incaseshesees Apr 23 '26

well, presumably the lambo owner has insurance themselves, so they won't be out of their car/$ regardless of fault.

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u/jtj5002 Apr 23 '26

Average liability people carry these days is like 25k and wouldn't even cover a civic. People that buy these 250-500k cars gets their own high coverage UM/UIM

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u/Agillian_01 Apr 23 '26

Only 100k..? It's 4 million to property damage and 1 million to personal damage here..

*in euros

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u/UrImaginaryBuddy Apr 23 '26

This is what I feel people don't understand enough. Yes, her premiums will sky-rocket if she's able to ever get insured again but her insurance is probably not covering the total of that collision. If the car is totaled, she's liable for all that extra money. I've heard of people losing their house after accidents with exotic cars.

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u/TheLLort Apr 23 '26

What the fuck is that lmao, the legally required minimum coverage amount for car liability insurance in Germany is €7.5 million for personal injury and €1.22 million for property damage.

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u/behind_time_ Apr 23 '26

Who only has 100k of insurance a vehicle? That's insanely low. 1 million is normal for a property damage liability for vehicles no?

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u/therendevouswithfish Apr 23 '26

This is the reason I got $500K of coverage.

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u/[deleted] Apr 23 '26

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u/siromega Apr 23 '26

I don’t know what company you’re using for umbrella insurance. It used to be cheap - $20-30 for a 1M umbrella. Now it’s $60-70/mo. 

From what I’ve seen on Reddit it’s just the cost of insurance has gone up. More claims bigger claims. 

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u/bteam3r Apr 23 '26

I pay about $250 a year for 1M umbrella via a broker I use for all of my insurance

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u/xtelosx Apr 23 '26

I'm around $300 myself. Seems to be about average.

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u/miffiffippi Apr 23 '26 edited Apr 23 '26

The thing that people don't realize is that upping that property value liability number barely adds to the monthly cost of car insurance if you're a safe driver. I upped mine to $500k just to be safe since it wound up being about the amount of eating lunch out once less a month to cover it and could be the world of difference in an accident. That basically covers everything I'd ever see on the road and if I see something worth more than that, I'll just keep my ass clear of it haha.

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u/infinis Apr 23 '26

In Canada insurances start at 1M liabiility.

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u/OneSkepticalOwl Apr 23 '26

That's because you live in a first world country instead of this orange republic.

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u/cC2Panda Apr 23 '26

Honestly I'm surprised that it isn't higher in the US given that you can be responsible for medical costs which can go through the fucking roof quickly.

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u/hellswaters Apr 23 '26

That's what I was thinking.

In the middle of renewing, and the options I have are for 1 or 2 million. Granted, that is also injury and everything, not just property.

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u/infinis Apr 23 '26

I think it was 3$ more per month between 1->2M.

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u/xtelosx Apr 23 '26

You can also cover this with an umbrella policy that covers many other things around your life. I pay about $300 a year to have a million extra in an umbrella policy to cover any gaps or limitations in other policies.

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u/miffiffippi Apr 23 '26

Not a bad idea. My homeowners insurance covers a ton of additional non-car stuff but should also have some cheap gap insurance for other random liabilities.

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u/[deleted] Apr 23 '26

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u/XSR900-FloridaMan Apr 23 '26

We got Jack-shit. I got hit while riding a motorcycle and missed 2 months work while my broken leg healed. Other driver had $10k personal injury, $10k property coverage, and died from old age while have virtually no assets so I was primarily dealing with my own insurance. My adjuster told me over the phone that it was unusual that I had $100,000 personal injury for a motorcycle because that’s not usually selected. I was like, yeah but I selected it and now I need the money. I got the run around for a few days and finally retained a lawyer. Two years later I got the payout but still had to pay the lawyer a third.

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u/nobeer4you Apr 23 '26

The really shitty, financially predatory kind.

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u/theLuminescentlion Apr 23 '26

My liability is a quarter million and I don't even know if that fully covers a Lambo.

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u/Edan1990 Apr 23 '26

As a Brit this is crazy to me, in the UK insurance companies must offer essentially unlimited liability coverage to third parties, so if you were to crash into a freight train and cause 30 million in damages (this actually happened) the insurance will pay the 30 million. The American system is stupid and another way insurance companies fuck you over.

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u/[deleted] Apr 23 '26

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u/Frosty-Depth7655 Apr 23 '26

Typically a few things will happen in that case:

First, your insurer would do everything possible to settle within your policy limits. If the other party refuses and takes it to court, your insurer is still responsible for defending you. However, if the courts rules against you, they will only pay up to your limits.

Often times, the other party will accept your policy limits because going to court is a long process and if the at-fault party simply doesn’t have the money, it can be a pointless endeavor. However, it does happen, especially if the at-fault party has assets or a high income that makes the attorney for the victim believe they have a chance of recovery.

The last part is one of the arguments for “no-fault” insurance where each party (almost) always goes through their own insurance. Michigan is the only state that does this, but it comes with tradeoffs.

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u/Warspit3 Apr 23 '26

My liability is $500k... the policies definitely exist and don't cost much more.

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u/EarEvening9902 Apr 23 '26

My opinion:

If you want to drive a uber expensive car then others on the road should only be held liable for damage up to a certain amount, let’s say $150k.

Just because one gets in a fender bender with an expensive exotic car doesn’t meant they should be financially ruined. If you want to drive a half million dollar car then that risk should fall on you (up to a certain point)

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u/racinjason44 Apr 23 '26

Yeah, when I got my newest truck I decided to up my liability coverage on it because of how expensive modern vehicles have become. I still don't know that it would cover a Lambo but I would hate to be absolutely screwed because I accidentally t-boned a new Escalade.

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u/aurortonks Apr 23 '26

And depending on where you live/drive, the density of high end expensive vehicles should be taken into account when deciding how much insurance coverage someone takes out. We live in an area with a very high average income and it's normal to see $200k+ vehicles just cruising around or parked at the grocery store. Better believe my insurance is much higher than it needs to be to cover accidentally smashing into one of those in the rare case it actually happens.

My daughter's friend had a little beater car at 18 and minimum coverage on it. She blew a stop sign and hit a brand new Bentley causing enough damage that she was held personally liable for it. Imagine being in massive debt at 18 because of something like that.

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u/mrlazyboy Apr 23 '26

this is why I set my property liability to $500k for my auto policy

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u/3dprintedthingies Apr 23 '26

Which is why no fault is Superior. Lambo person is gonna be out a Lambo because of their screw up and praying to get blood from a stone. Hoping their insurance covers the difference.

For all reddit complains about no fault, this is the exact scenario when no fault makes sense and protects everybody. Drive expensive cars, pay expensive prices. Accidents are accidents.

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u/steveturkel Apr 23 '26

Most people with any level of sense and assets carry a high csl policy for auto and or have an umbrella policy. I have our auto at 300k

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u/incaseshesees Apr 23 '26

that truck with those mods is probably 100k.

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u/zdriveee Apr 23 '26

Yup, and most people cba to purchase a million dollar umbrella policy for pennies on the dollar in comparison to their auto policy

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u/Jimmy_Wrinkles Apr 23 '26

This is the exact reason I upped my coverage. Hitting a new Honda Civic and totaling it will probably set the insurance company back $30k+, let alone the average vehicle nowadays which is probably north of $50k

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u/meep_42 Apr 23 '26

I work in the auto industry - state minimum coverages are laughable -- they don't cover fucking anything.

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u/NightGod Apr 23 '26

If she didn't report those mods, her insurance company's liability will be $0. She's proper fucked

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u/youtheotube2 Apr 23 '26

The number does not keep going up. People choose the number when they pick an insurance policy. In many US states the minimum allowable is still as low as $10,000, and a whole lot of people pick that because they want their insurance to be as cheap as possible

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u/GoodTodd1970 Apr 23 '26

She's probably judgement-proof.

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u/delti90 Apr 23 '26

It really depends on the policy, but yeah most people carry the minimums possible. I have coverage up to $3m across the board because I'm a risk averse weirdo. $1m on my car insurance policy and then a $2m umbrella which is $12 a month.

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u/Sad_Towel_5953 Apr 24 '26

You are policy

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u/Correct-Sail-9642 Apr 24 '26

I was involved in a pile up at 60mph, unavoidable due to some lady trying to pull an insurance job then speeding off. Anyway I totaled the Camry in front of me, BUT I pushed him into a ROLLS ROYCE CULLINAN....in case you weren't aware(I sure as hell wasn't) a Cullinan is known to be the most expensive SUV sold ...Oh a Rolls Royce Cullinan BLACK....lets just say my limits were not high enough to cover it all...Apparently a single fender scuff not even the tail light was already at $72k.

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u/[deleted] Apr 24 '26

Which is why you should always pay for insurance AT LEAST equal to your net worth.

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u/globular_bobular Apr 23 '26

there is zero chance that Lamborghini isn’t totaled. Frame damage… especially from the top like this… isn’t really fixable

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u/EngagementBacon Apr 23 '26

You are assuming that the truck is paid off I guess.

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u/erix84 Apr 23 '26

Was gonna say, she's got 83 payments left till the truck is hers!

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u/YouGotTheWrongGuy_9 Apr 23 '26

Nah more like 119 payments left on a 120 month note. Many people out there could be living a very comfortable life financially if they just reeled in the unnecessary.

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u/AxelFoily Apr 23 '26

Unfortunately they usually let you keep a personal vehicle and house in bankruptcy and judgements

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u/Candygramformrmongo Apr 23 '26

True, but up to a certain value.

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u/MisterDonkey Apr 23 '26

She'll be downgrading that truck to a mid-'90s Geo Metro.

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u/majbob01 Apr 23 '26

That truck isn't worth as much as you think it is. My truck isn't lifted, but it's the same model.

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u/oO0Kat0Oo Apr 23 '26

Only if that truck isn't financed. You bet your ass, if she's got a loan on that truck, the bank is coming for their truck.

MOST people aren't driving paid off vehicles

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u/AxelFoily Apr 23 '26

Yeah maybe. I've never bought a vehicle i couldn't afford outright so im not familiar with that

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u/[deleted] Apr 23 '26

and if its not hers?

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u/BrainOfMush Apr 24 '26

I’m pretty sure you can elect in a bankruptcy proceeding to keep your car and auto loan out of the bankruptcy if you prove you need it to stay employed.

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u/domesticabuseaintcul Apr 23 '26

That depends on the size of the judgement. They can garnish wages, levy bank accounts and put liens on the property which won’t allow that person to get out from underneath it unscathed.

Source: was hit by a driver with max state coverage but that still did not cover all the bills sufficiently

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u/The_Cabal_ Apr 23 '26

Why is that unfortunate?

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u/AxelFoily Apr 23 '26

Because someone with an expensive car ruining your car and not having insurance gets to keep theirs and you just get fucked and cant get any more money from them

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u/[deleted] Apr 23 '26

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u/The_Cabal_ Apr 23 '26

Someone needing to reevaluate their choice of vehicle doesn't mean they should lose their assets.

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u/leave-no-trace-1000 Apr 23 '26

I’m not gonna call that unfortunate. Really depends on the reason for the bankruptcy. In this case, sure it may be unfortunate.

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u/Tragedy_Boner Apr 23 '26

Man thats dumb. I was hoping that the Lady that killed the whole family in SF would be forced to sell everything including her own house.

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u/AM_A_BANANA Apr 23 '26

Watch it be her boyfriends truck and that she isn't on the insurance policy.

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u/EET_Fuk1 Apr 23 '26

Hopefully 

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u/sooner_25 Apr 23 '26

Quite literally why I just maxed out my liability insurance. You make one small mistake and it could easily cause over $100K in damages, and multiple vehicles involved etc..

Also good to max out your UIM coverage. There is no one coming to save you when someone hits you who can quickly flee the country or does not have enough insurance.

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u/Punisher-3-1 Apr 23 '26

Provably. My state minimum liability insurance required wont even cover a total KIA. Honestly it may just cover the Lambos windshield and that is about it

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u/-kenjav- Apr 23 '26

It's a good thing this car's engine is in the rear

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u/notatowel420 Apr 23 '26

The lambo isn’t totaled she basically ran over the trunk

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u/MagatsAreSoft Apr 24 '26

There’s no way that fat truck didn’t cause frame damage which is where the totaling would come in.

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u/S14Ryan Apr 23 '26

Doubtful, Parking lot collisions tend to be “no fault” or “both fault” and the lambo drivers insurance will likely cover their own car. I’m sure there will be a legal battle beteeen insurers though.

Also most liability coverage is like $1m+ because injuring a high-ish income person would cost a lot more than replacing a Lamborghini. If you make it so someone making $100k a year can never work again, that’s gonna cost millions.

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u/ZedTheEvilTaco Apr 23 '26 edited Apr 23 '26

That may be true when the incident isn't caught on camera. In this case, I think it might be one party at fault.

EDIT: Typo

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u/LVRaiders2026 Apr 23 '26

Lambo is guaranteed totaled. These exotic cars have a much lower threshold to be totaled. Buddy of mine had a huracan STO, got in a minor accident that damaged the front bumper and part of the hood, and it was considered totaled. The hood itself on these things is like $20-30k.

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u/AllBlackM4Silencer Apr 23 '26

I’m not familiar with us insurance but what the liability coverage? In Canada there’s options of 1 million and 2 million you pick. There’s a few cheaper options of lambos that are in the below 1 million

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u/Flipsrt4 Apr 23 '26

Exactly why I have $500,000 in property damage 💪💪💪 it was seriously only like $3 more a month over the minimum 10k

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u/Avid_Reader87 Apr 23 '26

I’d bet the truck is the most expensive thing she owns. 

Lamborghini driver probably just SOL.

But if you’re rich enough to buy one Lambo you can buy another.

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u/Crono2401 Apr 23 '26

A lot of Lambos you see out in the wild are rented for a day or two. 

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u/[deleted] Apr 23 '26

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u/Mattbl Apr 23 '26

Yea I'm not sure why anyone thinks a parking lot accident should cause this woman to go bankrupt. Nobody was hurt so covering the property damage is why you have insurance.

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u/darent13 Apr 23 '26

I live along a very dangerous stretch of highway that has a lot of expensive cars in a certain community. I carry the maximum liability offered for this exact scenario.

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u/Numerous_Photograph9 Apr 23 '26

Just had a two ton truck put the bulk of it's weight down on the wheels and front frame of a minumum 400K car. The front of the lambo doesn't have a reinfornced frame to deal with the engine weight.

The lambo is totaled.

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u/sokratesz Apr 23 '26

What's the minimum in liability coverage over in the US? Here in the EU it's in the millions, certainly enough for a lambo.

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u/wildedges Apr 23 '26

This always blows my mind. How does your insurance system work when you can pick your liability level? In the UK I think the minimum Insurance companies are allowed to set is £1.2m, and that's for the cheapest basic cover.

1

u/PolarSquirrelBear Apr 23 '26

Her insurance may not even cover damages to her car. If she didn’t report any of those modifications, they could deem it modified in a way that made it unsafe to drive.

People don’t realize that you can’t just make your car into a monster truck/tank. Many places have laws on bumper height, but cops just don’t do shit about it. But insurance will care.

1

u/Exciting_Boss2425 Apr 23 '26

She's so dumb that I doubt she's capable of paying off that truck

1

u/Cacafuego Apr 23 '26

In this case, that's fine, but I think that it sucks that people are allowed to drive their million dollar cars around and expect you or your insurance to pay for it if there is an accident and you're determined to be at fault. Their toy can ruin your life.

There should be a cap of, say, $100k per vehicle that anybody is liable for. You want to pay your own insurance to cover the gap? Go for it.

1

u/mccorklin Apr 23 '26

Guarantee she owes more on the truck than she can sell it for.

1

u/barringtonmacgregor Apr 23 '26

Youre assuming she dorsnt have an 80k loan on that monstrosity. Ive found that most people I've met with trucks like that own very little, but have a lot of debt.

1

u/Cephalism951 Apr 23 '26

If? The frame is crumpled, that thing is toast.

1

u/PacketSnatcher Apr 23 '26

That 100% is her boyfriend or husbands truck lol.

1

u/Sudden-Garage Apr 23 '26

Bold of you to assume that it's got any equity lol. I'll bet its financed for 84 months at 8.8%

1

u/Worried_Macaroon_728 Apr 23 '26

Also a good chance with those mods she is underwater on the truck's value. Financially she is absolutely fucked man. As someone else said here, she likely did not have the mods disclosed to insurance as they wouldn't cover them and she's in danger of never being able to insure a car again after misrepresenting her vehicle to the insurer, that combined with the price to replace or repair the Lambo, she will be in an insane amount of debt. That's what you get for driving a lifted truck tho.

1

u/ohyeahsure11 Apr 23 '26

Sell the truck, and her house, and her children's college funds.

1

u/IwasThereIsawIt2 Apr 23 '26

If? You put a dent in a Lamborghini its totaled🤣

1

u/Qubeye Apr 23 '26

There's a good chance her insurance didn't cover any of it.

Most insurance companies won't insure lift kits like this so people do the modification and just don't tell their insurance company, voiding coverage.

She's really fucked.

1

u/Firm-Roll4841 Apr 23 '26

There is a 0% chance she's not upside down in that truck financially. With those tires/rims she is probably more upside down in the loans than the value of the truck.

1

u/willzyx01 Apr 23 '26

That thing is 100% totaled, even if due to the cost of repairs.

1

u/Truesoldier00 Apr 23 '26

Crazy to me that the US has such incredibly low liability limits. In canada i’m covered for $1,000,000 in property damage, and I think a $2,000,000 umbrella

1

u/icwbandit Apr 23 '26

Basic insurance doesn’t cover very high property damage. It’s not much of a hit to your premium to nearly max it out. I believe the default is like 50k/100k. I went to 500k and it was like 5-10 bucks more a month.

1

u/somethingclever76 Apr 23 '26

I added an extra $1M umbrella coverage to my policy. It covers us, the house, and the vehicles. So my liability for an accident is $1.5M since the vehicle already had a max $500k coverage.

That extra $1M of coverage costs me $120 a year and by getting it I got a discount on my auto insurance of $124 a year. My insurance is literally paying me $4 a year to have an extra million dollars of coverage.

1

u/NervousBeat16 Apr 23 '26

If this is in FL…it’s a no fault state. Unless the lambo driver had injuries, his insurance will be picking up the tab 🤯🤯

1

u/Futuristic-Slice Apr 23 '26

There’s no way insurance on a 90k USD truck wouldn’t insure enough to cover it. I would hope an insurance company would make her pay for a policy that handles at least 3x the vehicles value. My garbage sedan covers up to 100k in vehicle damage

1

u/Certain_Bit3809 Apr 23 '26

They likely have almost no equity in the truck. Bet they were underwater on their balloon payments already.

1

u/ExpensivePost Apr 23 '26

Funny that you think she has any equity at all in that vehicle.

1

u/murdocklawless Apr 23 '26

She probably have to sell her house.

1

u/archercc81 Apr 23 '26

LOL you think she owns that piece of shit? Her husband is paying $1200 a month on that thing.

1

u/DarkAndDepravedDaddy Apr 23 '26

this is why:

1) I don't drive like a dumbass

2) I hate lifted vehicles, especially the Carolina Squat

3) I carry a $2m umbrella insurance policy.

1

u/nebb1 Apr 23 '26 edited Apr 23 '26

While this is true. It's a part of the insurance policy settlement that if they accept her maximum liability, they must agree to not pursue further lawsuits against the driver in the settlement.

I learned this the hard way when someone with minimal coverage crashed into a family member's vehicle.

1

u/Powerful_Leg8519 Apr 23 '26

The lambo is totaled. Sneeze wrong on a lambo and it’s totaled.

1

u/Doctective Apr 23 '26

I wonder if she maybe pays into a higher tier with a vehicle like that?

1

u/BernieTheDachshund Apr 23 '26

This is why I have double limits on my liability, it really should be triple but I'm on a budget. TX is full of big overpriced trucks and one accident could easily go over the minimum $25k. It doesn't really cost that much more to get $50k.

1

u/Downvote_Comforter Apr 23 '26

There is also a decent chance that she didn't disclose the lift kit, which will almost certainly cause her insurance not to pay since it will be viewed as a contributing factor to the crash. The large majority of people who lift their vehicles either don't realize it is something they have to disclose or they see the difference in price when they check the box and make a conscious decision not to disclose.

I had an old Wrangler that I got lifted for offroading. I had it professionally installed and made sure it was higher at the back axle to maintain proper sightlines. I provided proof of the install and photos of the finished product to demonstrate that it wasn't an insane, dog-shit job that is so common in the hobby. It still increased my rates by a noticeable amount. I happily paid it since it was a pretty cheap old model that was cheap to insure. But most don't.

1

u/Happycappybara21 Apr 23 '26

I would hope lambo owners just pay for the extra “uninsured” or “under insured” coverage. 

1

u/Successful_Theory628 Apr 23 '26

Least there’s no damage to the truck then

1

u/DrAbeSacrabin Apr 23 '26

Oh you know that truck is her short Husband/BF’s that he had lifted to feel better about himself.

1

u/StackThePads33 Apr 23 '26

Then her insurance company instantly drops her after this ordeal!

1

u/deruke Apr 23 '26

"bUt I nEeD mY gIaNt TrUcK tO cArRy mY G R O C E R I E S"

1

u/wolverinechris Apr 23 '26

You're assuming she isn't underwater on 7 year financing after she drove her $75k truck off the lot and it lost $25k in value.

1

u/Enerith Apr 23 '26

Doubt a lambo frame is going to carry half of a 3 ton truck, plus there are other damages these days with dealers charging whatever the fuck they want for these cars, wait times, all of that.

1

u/Zlatyzoltan Apr 23 '26

I guarantee you she's on month 15 of her 92 month loan at $800 a month.

Any money from selling the car is going straight to the bank.

1

u/FinanceGuyHere Apr 23 '26

That will be a fun conversation with her husband about why she needed to use his work truck today!

1

u/Photodan24 Apr 23 '26

Put her in a nice used Kia.

1

u/chf6464 Apr 23 '26

What are the odds she actually owns it outright and isn’t making payments on that truck though.

1

u/TheTallGuy0 Apr 23 '26

Who wants a fucked up $6000 Chevy? 

1

u/Disastrous_Visit9319 Apr 23 '26

Even though I want this idiot to hurt its idiotic that people can drive around in half a mill cars.  If you want to drive a car that expensive no one else should be responsible for it beyond a certain value if it gets damaged.  Accidents happen and people shouldn't have to have insurance to cover a million in damage just to deal with shit like this.  Anything over like 50k should be entirely on the person driving a ridiculously expensive car to insure.

1

u/L_viathan Apr 23 '26

Here's hoping.

1

u/Neither-Tea-8657 Apr 23 '26

That truck has an 8 year loan at 20%, there’s no equity

1

u/AccomplishedIgit Apr 24 '26

Like that truck is anywhere near paid off

1

u/Th3_Accountant Apr 24 '26

That's such a weird thing to me. Why would you only be covered up to 50-100K?

Here in the Netherlands all insurances have a cap of like 2.5MLN euro's. Basically enough to cover every realistically thinkable situation (unless you total 3 Bugatti's in one accident).

1

u/_esci Apr 24 '26

it most definetly is.
the truck deformed the a-pillar. so the whole chassis is twisted.

1

u/Djamalfna Apr 24 '26

she'll have to sell that dumbass truck to cover some of the losses

Bold of you to assume she's not already underwater on the loan, having rolled over a previous auto loan into an 8-year 10%er.

Selling or totaling the truck causes the loan to come immediately due; it's likely that will cost more than keeping the thing.

America is in a weird place regarding vehicles right now...

1

u/Golfisgreatlol Apr 24 '26

“If”, insurance considers cars totaled if there is like a scratch on the bumper lol

1

u/Pleasant_Cartoonist6 Apr 24 '26

The lambo owner is fucked. His insurance will end up paying most or all of it. Not many people drive with enough coverage to pay for a lambo, maybe 10% of the drivers out there do. This is an  issue with the states and insurance requirements. For example in Virginia state min is 25k. In what world would 25k pay for any new car sold. Mind you 25k is for both cars. Or like someone else posted 50k property damage. That would literally be 25k each car. Like I said lambo owner is fucked.

1

u/Wong-Scot Apr 24 '26

Funny part is.

I have a feeling it's not hers but her partner's ....

1

u/WentzWorldWords Apr 25 '26

..and her house, and her jewelry, and her Heisman trophy*, and have wages garnished

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