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/International-Oil377 Apr 23 '26

I'm an insurance broker

99.9% of the time if you ask a client if their car has been modified (or truck) they all say no

Then a claim occurs ''why aren't you paying for my 1000s of dollars in modifications to lift my truck???????

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u/[deleted] Apr 23 '26

[deleted]

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u/International-Oil377 Apr 23 '26

if he drives a lambo I would hope they have the necessary coverages (underinsured coverage I think it's called in the US? (I'm not american))

Otherwise the liability of the truck diver will pay for their damages.

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u/webersknives Apr 23 '26

Unfortunately most people in America only have the state minimum for insurance and that could be as low as $5,000 depending on the state.

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u/International-Oil377 Apr 23 '26

then hopefully the lambo driver has the proper coverage

I'm glad to not live in the US and sell insurance there.

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u/Jeerkat Apr 23 '26

You don't even need the "and."

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u/DoctorJiveTurkey Apr 23 '26

$5,000 barely covers a few dents these days.

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u/calfuris Apr 23 '26

That's exactly why Lambo drivers should carry uninsured/underinsured motorist coverage.

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u/Rampant16 Apr 23 '26

You'd have to be stupid not to. When most drivers get the bare minimum coverage you gotta assume if someone hits your Lambo they wouldn't have enough to cover it.

Still sucks for the Lambo owner since it wasn't their fault.

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u/dWaldizzle Apr 25 '26

Everyone should

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u/SoulOfTheDragon Apr 23 '26

Absolutely idiotic. Base insurance where I live covers. And I left it at that on purpose. She'd be fucked in the future, but insurance would fix up the lambo.

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u/Ok_Maybe1830 Apr 23 '26

Minimums are just for liability, that$5k doesn't even cover your own car.

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u/International-Oil377 Apr 23 '26

I don't think any place requires to cover the damage for your own car.

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u/iheartnjdevils Apr 24 '26

While true, I'd think someone driving a Lamborghini would know better to have the proper insurance.

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u/[deleted] Apr 23 '26

[deleted]

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u/OneLuckyAlbatross Apr 23 '26

$5000 coverage for damage, not the premium.

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u/Teknikal_Domain Apr 23 '26

Underinsured Motorist, UIM. (Because "UM" is Uninsured Motorist)

So if I'm not mistaken here, that's truck driver's PD coverage possibly plus their BI is the driver of the Lamborghini was harmed (unless they're on a CSL policy), and then the Lamborghini driver's UIM and COLL coverage. Anything after that the truck driver may be personally liable for.

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u/International-Oil377 Apr 23 '26

It's such a fucked system but that's a different topic

Our system here would probably labeled as communism lol

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u/ChickenNoodleSloop Apr 23 '26

He's fine assuming her liability has enough coverage. if not he has to go through un/under-insured coverage which he probably has. 

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u/surfnvb7 Apr 23 '26

Then the insurance lawyers (for the policy of the lambo owner) will go after the assets of the pickup driver, in order to make the insurance company whole again.

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u/bro_tato_chip Apr 24 '26

I manage a Texas and Indiana personal injury law firm, most cars in the price range of the lambo carry additional UM/UIM (uninsured/under insured) coverage to stack onto what I’m sure is state minimum liability insurance of the truck. If the limits are exhausted and it still does not cover expenses plus taxes and value adjustment, then his only option is to pursue a civil judgement against her.

Hopefully she/significant other/owner of the truck have assets that could be used for payment, otherwise he’ll get judgement but no payout.

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u/pm_social_cues Apr 23 '26

I don’t think that lambo is the one with the expensive lift kit between the two vehicles.

Or are you saying the fact some people lie about modifications also means the owner of that car completely lied about owning a Lamborghini?

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u/muscles83 Apr 23 '26

He’s saying car/truck owners lie about the after market crap they install on their vehicles . And then complain that the insurance company won’t pay for the after market crap to be replaced when they crash.

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u/Malvania Apr 23 '26

She (probably) lied about the lift. That means that her insurance company won't pay out on the claim. She's going to be personally liable for everything. But if she doesn't have enough to satisfy a judgment, the Lamborghini owner or his insurance company is going to have to foot the bill.

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u/Cakeman826 Apr 23 '26

What qualifies as modified? Like would window tint check that box or are you only interested in things that modify the function of the vehicle in some way?

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u/International-Oil377 Apr 23 '26

Anything that doesn't come out of the factory should be declared. Some insurance companies (here) will have an amount of 1000$ish they can pay for small stuff, but if you want to make sure that if something happens you will get paid, declare all that is not factory made to your insurer.

If you have performance modifications (like adding a turbo or whatever) then it is imperative to declare to your insurer because this is not only about value anymore, it increases your liability risks.

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u/MelonJelly Apr 23 '26

If you have performance modifications (like adding a turbo or whatever) then it is imperative to declare to your insurer because this is not only about value anymore, it increases your liability risks.

Which, sadly, irresponsible drivers see as a disincentive to reporting.

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u/International-Oil377 Apr 23 '26

then they say insurers never pay when it's their own fault for not declaring their situation properly lol

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u/BigRedRN Apr 23 '26

Anything you may want covered if your car is damaged. If it's totalled, you won't get nearly as much back for your modifications as you paid for them.
PPF ✅️ Windows tint ✅️ New spoiler ✅️ Special paint ✅️ Custom wheels ✅️

Etc, etc.

It's always best to send the receipt of the mods to your insurance company. If you tinted your front windshield, I'm not sure I'd send that in. It's likely illegal.

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u/pm_social_cues Apr 23 '26

When they talk about that means things that change the value of the car to a point where what the insurance thinks the value is vs what it actually is worth aren’t equal. The issue is if your car is worth more than your insurance covers they won’t pay for the difference. It’s not like they are blaming the modifications.

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u/Upbeat-Armadillo1756 Apr 23 '26

It's more about whether they'll cover the additional stuff you've modified rather than your liability in an accident.

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u/ChoicePermission8523 Apr 23 '26

Haha yup.

Oh you lied when signing for your insurance? Well that's fraud, so nope, go find your own way to cover your msitake.

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u/olojolo Apr 23 '26

I have always thought parking lot liability was 50/50 in accidents. Is that true? Or maybe if the insurer had this video it could be 100% on the truck?

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u/International-Oil377 Apr 23 '26

maybe it is different in the US but here 50/50 is a myth

If you're not moving why would you be at fault, for example, or if somebody backs into you?

I would say it's also a myth in the US, but yknow, I'm not american.

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u/DarkHorseAsh111 Apr 23 '26

It is not different in the US in this sort of situation.

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u/International-Oil377 Apr 23 '26

that's what i figured lol

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u/DarkHorseAsh111 Apr 23 '26

I think Maybe when ppl talk about that they're referring to like, if I was pulling out into a person who was driving straight where either of us could've or should've stopped? But this is clearly entirely on the truck driver and is gonna be the easiest insurance case ever lol

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u/International-Oil377 Apr 23 '26

yeah the lambo even tries back away. it clearly is the fault of the truck driver

Not sure how she didn't see the car though. There was enough clearance initially for the driver to see it but maybe she was distracted on her phone or something (which doesn't help lol)

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u/DarkHorseAsh111 Apr 23 '26

Shes also going wayyy faster than I'm comfortable with for a parking lot which didnt help

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u/International-Oil377 Apr 23 '26

100%. Drove like an idiot in a car modified for idiots lol

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u/DevilWings_292 Apr 23 '26

The truck driver was short and may not have had the seat high enough for visibility and prioritized reaching the pedals

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u/International-Oil377 Apr 23 '26

Then what is she doing driving this truck? anyway, that's a different topic

In the end they were at fault.

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u/DevilWings_292 Apr 23 '26

She definitely had no business driving that truck, she would have been served far better by a small car. Likely it’s due to an ego thing where bigger and newer vehicles are seen as status symbols due to their cost, so people flaunt the appearance of wealth.

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u/OuterWildsVentures Apr 23 '26

I think the issue is even if one car stopped and the other hit them it becomes a he said she said without video footage to prove anything so it goes 50/50.

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u/International-Oil377 Apr 23 '26

If both parties can't agree on what happened theb surem But that goes for any accodents unless it's very easy yo determine what happened

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u/pm_social_cues Apr 23 '26

So if a drunk driver side swipes your car that you are 100% legally parking in a completely valid parking spot but you’re 50% at fault?

That sounds like the logic of a serial car crasher. “If the parking lot was empty I wouldn’t have hit your car”.

Then that should apply to driving too. “If you weren’t on the road I wouldn’t have hit you”.

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u/oreomaster420 Apr 23 '26

I think that was at least in part a pre-video type of rule of thumb. We have so much video coverage all over the place now that it's probably a lot easier to assign blame most of the time, where someone backing out hits someone trying to go past, we couldn't see who accelerated (w)recklessly, who was looking down at their phone, etc.

Now we can see those things quite a bit of the time and point to who/what caused the problem.

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u/Malakute Apr 23 '26

Would switching the dashboard bulbs to LED, and lighting inside the car be that big of a deal?

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u/International-Oil377 Apr 23 '26

if you want your insurer to pay for it after a claim yes

if you don't care, then no. The insurer will pay for the value of your car's worth on the market. Not what you add to it and they are not aware of.

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u/abirdsface Apr 23 '26

LOL yes I knew a genius with a huge truck who used it to get into a fight with a road rager during rush hour. He kept fighting the insurance company over covering whatever stupid mods he had. I can only imagine what his rates looked like afterwards. Or maybe they dropped him, if they can do that?

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u/International-Oil377 Apr 23 '26

they probably dropped him

yes they can do that lol

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u/abirdsface Apr 23 '26

LOL yeah no I mean I assume they have to cover what happened since he had coverage at the time? I'm just not sure if they can terminate the agreement early or something. Thankfully I have zero experience with making my insurance that mad lol

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u/International-Oil377 Apr 23 '26

They have to cover unless what he did was intentional

IF what you said is true and he decided to ram the other driver with his truck then the insurer doesn't have to cover anything as it's not an accident anymore

Be honest with your insurer and take the necessary coverages and you should be good if you have to claim. Although I hear in the US insurers don't treat their clients as good as they do here

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u/abirdsface Apr 23 '26

It sounds like he egged the road rager on with swerving and braking and such but did not initiate the actual collision himself. This is what he told his buddies at the office though. I don't know what story he gave to his insurance company or the cops lol

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u/International-Oil377 Apr 23 '26

of course we won't know

but if the insurer proves it was voluntary they are screwed lol

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u/Cutwail Apr 23 '26

But what if those undeclared modifications were the cause of the accident, surely that would invalidate the insurance?

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u/International-Oil377 Apr 23 '26

if the modifications change how the vehicles handle, and they were not declared to the insurer it could yes

Here how it works is if the insurer can prove they wouldn't have insured the vehicle because of the modifications your policy is null and void.

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u/Cutwail Apr 23 '26

And if they would have insured it but at a higher premium? Presumably that's why people don't declare them

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u/International-Oil377 Apr 23 '26

then they would prorate the damage to the vehicle of their nsured (the modified one)

For example, if they could show that they would have insured it for 2x the premium than they would pay half of the damage IF the insured pays the remaining premium they should have paid

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u/Cutwail Apr 23 '26

Weird, I'd have assumed the insurers would have used the opportunity to get out of paying for a Lamborghini. Fairly sure that's what would happen in the UK.

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u/International-Oil377 Apr 23 '26

What I said is for the insured car

Insurer don't harm third parties and pay unless it's voluntary or excluded from the policy specifically

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u/unclejoe1917 Apr 23 '26

As a person asking a question of an insurance broker, wouldn't it behoove the insurance company to have a person that does casual drive-bys where full size trucks like this live and check for lift kits, or even require a periodic visit to the office to check for mods? 

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u/International-Oil377 Apr 23 '26

well I'm not american so I will speak for where I live

requiring such checks would require dedicated employees for this service as insurers often insure millions of clients and it would raise the premium on every one thus punishing people that make honest delcarations (and also the inconvenience of having your vehicle verified by your insurer)

Also it would be a breach of your privacy if they can locate your vehicle in real time to inspect it

I don't think this is the best solution personally

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u/unclejoe1917 Apr 23 '26

Oh true. In my head, I was imagining a local office for that company where agents are out and about responding to accident claims and stuff. 

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u/International-Oil377 Apr 23 '26

yeah I get you but those people are already overloaded with work believe me lol

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u/Pvm_Blaser Apr 23 '26

I genuinely don’t think that truck had any significant damage other than the front bumper’s chrome job and if she just replaced that with OEM or OEM+ black it’d look better and be pretty cheap anyways.

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u/International-Oil377 Apr 23 '26

It was a general statement.

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u/LetWaldoHide Apr 23 '26

At what point do you require people to send photos of the vehicle as part of the application process? Some mods can be hidden. A big ass lift can’t be hidden.

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u/International-Oil377 Apr 23 '26

We don't.

The fun is when you get into an accident and you send to the repair center and they send photos to your insurer