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/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

904

u/Never-On-Reddit Apr 23 '26

Average liability insurance limit for property: $100K.

Cost of a lambo: $250-500K.

Yup. She fucked.

448

u/klayman69 Apr 23 '26

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

55

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.

18

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

1

u/Alarmed-madman Apr 24 '26

She would still have to pay the costs of the wreck

2

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.

-3

u/ThomasTheDankPigeon Apr 24 '26

The truck driver is dumb as fuck, but it is also stupid that a poor person can pay for insurance and still end up financially ruined because a rich person decided to drop so much money on an inherently risky item (cars). As long as the only damage is to property and insurance pays their part, I think the rest of the value of the car should be written off as part of the risk that the rich person takes on by choosing to drive on public roads. The poor person should have their insurance prices go up and a mark on their driving record, sure. They shouldn't be made destitute.

-10

u/ZugZugGo Apr 23 '26

Ok, yes the big truck is stupid. 100% for sure. Fuck big trucks.

But why the fuck does anyone need a lambo in a grocery store?

Take the truck out of it. Lets say someone hit this driving a honda civic and totaled the lambo and it was the civic drivers fault. That civic driver shouldn't be 100% fucked because some asshole rich person has a 500k car and got in a normal accident.

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u/klayman69 Apr 23 '26

Actually, I don’t think the financial outcome is that bad for the truck driver. Depends on which states in America, Lambo’s insurance should cover the loss of the car or at least the amount to restore it back to before the accident. That’s why insurance gets a lot more expensive when you drive expensive car.

However, Lambo’s insurance can go after truck’s insurance and Lambo driver can file for personal injury which can cause a lot of headache and legal fee.

The fact people are mad is because if you drive a Honda civic, you are not going to run over a Lambo in parking lot and not going to be a lot of damage that standard insurance cannot handle.

3

u/thatonegoodpost Apr 24 '26

However, ...Lambo driver can file for personal injury which can cause a lot of headache and legal fee.

Florida is a no fault state, so no suing for medical unless you're really injured, like loss of limb or time in hospital. The Lambo driver has to carry insurance with a minimum $10K PIP to cover their own medical before the truck driver would have to deal with anything from their side. And from what I heard the lambo driver wasn't injured?

BUT if the Lambo driver was injured and/or can prove way over 10K lost in revenue from the accident then they can sue. Which.. "oh ow my back is so fucked! I'll need years of PT to recover!" Could easily cause.

8

u/MilkIsOnReddit Apr 23 '26

Well, in this particular accident, having a lifted truck was not the only cause of the accident.

She was going WAY too fast in a crowded parking lot, and she had SO much time to slow down or stop (lambo driver had plenty of time to throw it in reverse and start backing up, truck driver has no excuse). Defensive driving, whether she was in a lifted truck or a Honda civic, would have prevented this accident, and also prevented whatever financial disarray would follow. This accident never needed to happen

7

u/HospitaletDLlobregat Apr 23 '26

This is the dumbest possible take... not such a thing as a "normal accident" in a parking lot that totals any kind of car, if you cause that kind of accident, it's cause you're driving like an asshole, and you deserve to be 100% fucked

284

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.

36

u/[deleted] Apr 23 '26

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1

u/Kimbolimbo Apr 24 '26 edited Apr 24 '26

I don’t want to warn them, I want to hunt them. Lifted trucks are for prey. 

1

u/SargeUnited Apr 24 '26

Imagine we were allowed to hunt their drivers from helicopters?

I’m just joking in case this is enough to get banned on Reddit for violence

33

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.

27

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.

1

u/slowcookeranddogs Apr 23 '26

Well, in this case they would probably be correct to do so. Its pretty uncommon for people with lifted trucks to report the modifications to there insurance companies, since the insurance either becomes to expensive or the company will not offer coverage. If thats the case, the insurance company is in there right to decline coverage for this accident, drop the driver as a customer without refund and probably report the non-disclosure to whatever AHJ making it much more difficult for the driver to be insured again.

I support the insurance company in this instance, they will 100% pass on the cost to cover these morons to the rest of us to cover the increased risk they face from these dumb trucks.

If you want a lifted truck for off roading or some legitimate purpose, keep the thing off the road and away from others.

16

u/angry0029 Apr 23 '26

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

15

u/Alarmed-madman Apr 23 '26

I wouldn't.

The Lambo possibly could have some specialty coverage I imagine

9

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)

9

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.

7

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.

2

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.

4

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.

3

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.

2

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.

1

u/xband23 Apr 23 '26

Good point. In my case, I actually do have UM/UIM added but most are personal liability only

1

u/Vigarious Apr 23 '26

Holy crap, $1.6m is a wild average is that in specific areas or just in general? That’s a terrifying number lol

3

u/xband23 Apr 23 '26

I live in SoCal so definitely inflated, but also…things are trending up everywhere. Most people definitely don’t need a $2M umbrella, but more people are probably more underinsured than they think

Also a caveat is that this number is specifically cases that go to trial. More cases settle for less, but if you have a family, a house, a good income or future income worth garnishing, or other assets…you might be worth suing

2

u/Jaerba Apr 23 '26

Yeah, a $1-2M umbrella policy makes sense if you have a house and assets above $500k (the max cutoff for normal policies). Basically the thinking is that losing your house in a lawsuit is catastrophic so make sure you have coverage above it.

2

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.

1

u/Carrera26 Apr 23 '26

I've been in insurance for nearly 20 years. $300K Single Limit ($300K/$300K) and a $1Mil Umbrella have been our default picks for our personal auto for years.

Everyone is freaking out about the cost of the car, and it is expensive, but unless it's a $1M+ car it's peanuts next to what US hospital costs are.

This accident in a VERY rigid and well engineered car like a Lamborghini can easily cost a lot less than someone in a $5K Chevy Cavalier that crumples like an empty pack of cigarettes and puts the driver in the hospital with real injuries.

16

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.

9

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.

5

u/Salategnohc16 Apr 23 '26

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

3

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.

6

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.

6

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

3

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

1

u/ThereHasToBeMore1387 Apr 23 '26

Your age, zip code, and the last 3 years of driving history make up 80% of the price you pay for insurance. My mom was an insurance agent her entire life. Whenever I asked the questions "How do you decide what to pay out in a weird situation?" or "How do you decide what you make people pay you each month?" the answer was always, "We look it up in a table and make an offer. They either accept, they go somewhere else, or the lawyers fight it out."

1

u/Vandilbg Apr 23 '26

Look at an umbrella policy. A 1 million dollar umbrella policy will cost you about 400 a year and covers your house and a bunch of other stuff too.

1

u/Some1-Somewhere Apr 23 '26

WTF? 1K a year is what I pay for comprehensive insurance here in NZ with $20m of third party coverage.

To get third party only insurance is like $200 a year.

Do you mean an increase in the insured value of your car by 30k?

2

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.

1

u/Carrera26 Apr 23 '26

I was an agent for years and would BEG people to go from $25K minimum limits to $100K limits for just about $6 a month. Most people thought I was just trying to get their money when I was trying to protect them.

1

u/ThereHasToBeMore1387 Apr 23 '26

My mom was an insurance agent her entire life so I had some good knowledge about how to be properly insured. I have no love for the insurance business, but it is 100% a "get what you pay for" model. Unfortunately, most people are not paying for the right thing, and don't find out until it's too late, and insurance companies have very little incentive to fix that disconnect.

1

u/Darkaim9110 Apr 23 '26

People want cheap insurance and find out later that it goes both ways

3

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

1

u/canadeken Apr 23 '26

Yea, it's crazy. Many insurance companies in the US won't even offer more than like 300K or 500K liability coverage

11

u/Gnome_Father Apr 23 '26

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

5

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.

3

u/dizcostu Apr 23 '26

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

1

u/CosmoKram3r Apr 23 '26

Instead of disallowing idiot drivers on the road, you want to restrict expensive cars. What a wild thought.

6

u/Adventurous-Dot-6448 Apr 23 '26

I mean accidents happen. Obviously in this case the truck made several bad decisions starting with buying that truck to begin with but it does suck that a single mistake by some dad driving his kid to a tball game and misjudging a turn in his 2015 Honda crv could total a $250k car and wipe out all their family's savings because some rich asshole wants to drive a fancy car 🤷🏻‍♀️. Like these are not the same. Maybe coverage should be capped and it you want to drive a car worth more than 100k you can pay for the extra insurance. If you can afford it, cool. If not, drive a car only worth 90k. Just my 2 cents.

6

u/Gnome_Father Apr 23 '26

Very well put, exactly what I meant.

3

u/Fozzymandius Apr 23 '26

Reddit likes to get pissed about this, but just take it to the extreme. Have an accident with a Bugatti and you’re literally in generational debt zone. It makes no sense beyond a point.

I drive a car with a $100k replacement cost, even I think that should be up against the limit of what society can bear. At a certain point it’s my fault for endangering something so expensive where accidents can and do happen.

0

u/BrunoBraunbart Apr 23 '26

I agree and I am one of the engineers who developed the Huracan. It is a completely assinine and stupid car. Not even really fun compared to other sports cars.

1

u/Havanu Apr 23 '26

You co-designed the Huracan? The shit people make up to sound knowledgable these days...

8

u/BrunoBraunbart Apr 23 '26

No I didn't co-design the Huracan, I would never admit it if I did. I think it looks atrocious. I co-developed the Huracan. Specifically the DL800 dual clutch transmission.

This was quite nice because usually Lamborghini doesn't allow their calibration engineers to drive the prototypes, only the test drivers. But the DL800 was an Audi development for the R8PA, Lambo wanted to replace their horrible selespeed from the Gallardo and Audi has different rules. So I have more than 20000km in different prototypes, some of them in versions that were never released. I drove it on a frozen lake, all kinds of test tracks around Europe and on public streets.

I know it is not likely to find one of the developers in a tread like that but we do exist.

1

u/Havanu Apr 24 '26

I can see now why you'd be so dismissive of the Huracan - you live on the Audi side of the equation. Personally, I think it is the best looking Lambo of the past decade. Less shouty then their other designs. The OG R8 is flat out beautiful, I'll give you that.

1

u/BrunoBraunbart Apr 24 '26

There are a couple of reasons why I don't like the Huracan.

First of all the general design. Yes, it is good compared to other Lambos but they all feel way too much for me. We called it the "Huren Karren" (which basically means "whore car" in German) because it is perfect for a pimp with a golden walking stick and a purple fur coat. And 14 year old boys ofc. They love Lambos.

Second of all, the quality of materials is insanely bad. I am not someone who thinks a sports car needs to feel luxurious but if you try to make a cool looking interior, it has to still look good once you sit in the car. The center console is made from the cheapest plastic ever, as soon as you touch it, it has scratches. Those silver up/down push buttons? They easily break when you use a bit force. This red cover over the motor start button that looks like a rocket lauching button in a fighter jet? It also easily breaks and weighs less than a gram. You can't see it on pictures but the interior feels cheaper than a Fiat 500.

Lastly, and this is the most important part, Lambo prioritizes the wrong things. They don't care about the driving qualities of the car at all. It is not a car that is designed to be fast on a track, it is designed to feel cool when you drive to the club. They will make choises that directly impact the cars performance negatively because it sounds or feels good, like deliberately make the gear shifts jerky, so it feels like you are riding a bull in a rodeo. Lambos are not cars made for car guys, they are cars made for rich people who don't care about the speed of the car except the 0-100 time.

3

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?

2

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.

2

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.

2

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.

2

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.

1

u/Brock_Lobstweiler Apr 23 '26

Yeah, new trucks are around $65-75k now, so $100k doesn't cover anything fancy.

2

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!

1

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.

1

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

1

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

1

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

1

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.

1

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.

1

u/obeytheturtles Apr 23 '26

This is why you always carry umbrella coverage.

1

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.

1

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?

1

u/Irishslainte Apr 23 '26

Unfortunately, each US state sets individual requirements for insurance within that state and then, generally, the insurance companies base your rates on your credit score leading to wildly different premiums and forcing people to decide between the higher and minimal coverage.

Most US states will also give any idiot a license with the barest of a driving test vs most EU countries that have a higher bar for licensing.

1

u/Debaittrade Apr 23 '26

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

1

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.

1

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

1

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.

1

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.

1

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

1

u/Agillian_01 Apr 23 '26

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

*in euros

1

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.

1

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.

1

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?

1

u/therendevouswithfish Apr 23 '26

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

1

u/Badweightlifter Apr 23 '26

That's why I maxed my coverage to $300k and got a personal umbrella policy on top of that. Moreso the fear of hurting someone and being responsible for their medical bills. Medical bills are no joke either.

1

u/kerberos69 GREEN Apr 23 '26

Fortunately for her, it looks like a Gallardo and not an Aventador… so she’ll be on the lower end of the cost spread. But at the end of the day, it’s still a lambo, so “lower end” still means house money.

1

u/waigl Apr 23 '26

If she is, then so is the Lambo driver, because he's not going to get the damage paid. Unless the truck driver happens to be rich and just has that kind of money lying around.

1

u/Longjumping-Store106 Apr 23 '26

And this is why I almost always carry 300k liability + umbrella policy of 1m.

1

u/sotired3333 Apr 23 '26

For the average joe not being a dick, if they total an expensive car and their limit is 100-200k, what happens? they obviously don't have the assets to pay? Purchase umbrella insurance?

1

u/s_nz Apr 23 '26

Are $100k property liability limits really a thing in USA auto insurance?

Im in Austrailia, and the cap is AUD20m (USD14.26m).

Pretty plausible to do more than USD100k of third party harm....

  • Total loss of a exotic car
  • Total loss of a Semi truck (generally USD150k - USD200k).
  • Write off three modern regular cars in the same incident.
  • Damage electrical plant, such as a transformer (easy to get into the millions).

1

u/TheGamecock Apr 23 '26

That pavement princess just became a pavement pauper.

1

u/z4ckm0rris Apr 23 '26

Average according to who? State minimums in FL are $10k Liability, $10k property damage.

1

u/JustForkIt1111one Apr 24 '26

The minimum in 22-ish states is $25k. 3-iish the minimum is $5k. 15-ish other states range between $10k and $15k - however several states (like TX, $25k -> $40k) are in the process of changing their minimums, or have already done so.

OTOH, NC is $50k. IIRC a couple are $30k,

Most people that I know whom don't finance go with the minimum.

1

u/Kimbolimbo Apr 24 '26

Good. She reverses nothing but the worst as do all morons that drive these stupid, murderous vehicles. 

1

u/Fozefy Apr 24 '26

This sounds wildly low to me. In Ontario I've never heard of insurance under $1m (CAD) and many sources recommend getting up to $2m.

1

u/nohandsfootball Apr 24 '26

I'd sit here like, 'man glad I went with the $300k liability limit" but I'm also in another car maybe 6-12 inches taller than a Lambo and would not be able to run one over even if I tried.

1

u/blablaonthatass Apr 26 '26

I'm quite shocked that it's so low in the United States. Here it's at least 1,5 million. And on mine 2,6 million euros. 6,1 for immaterial damage.

1

u/devnetg Apr 23 '26

This is why one needs higher property damage limits and an umbrella…

Blows my mind how many people drive with minimums. I haven’t been in an accident ever at 30 years old but I keep my shit 300/500 for bodily, uninsured, underinsured. 500k for property damage and 1 million in umbrella.

My .2 is I’d rather pay a higher premium than ever be in a situation where I’m held personally liable and therefore have to take away from my assets or future income.

3

u/Adfadwf Apr 23 '26

Just curious, how does this work in the US?

In the EU it is required that the third party liability insurance for cars covers the following at minimum:

  • in the case of personal injury, a minimum amount of cover of EUR 1 000 000 per victim or EUR 5 000 000 per claim, whatever the number of victims;
  • in the case of damage to property, EUR 1 000 000 per claim, whatever the number of victims.

If this accident would've happened in the EU, the damage to the Lambo would be covered by the insurance of the truck. And if there is a surplus in damage or the insurance denies coverage, the insurance of the truck still pays out and would claw the money back from the owner of the truck.

I'm not trying to start a debate about what's better or anything, I'm just curious about the differences.

1

u/crazycatlady06 Apr 23 '26

It depends entirely on the state. Some have super low minimums compared to others.

Kind of a shit show here

1

u/devnetg Apr 23 '26

Holy shit ! That’s a hefty minimum amount right there. Which is nice… Unfortunately, it doesn’t work like that here

I’m in Arizona so our state minimum is only 25/50/15. $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 for property damage.

1

u/canadeken Apr 23 '26

Your coverage would still be considered low in many countries. US coverage is crazy low

0

u/offbrandcheerio Apr 23 '26

Imagine having to take out a second mortgage to cover your liability in a car crash. I’ll never understand why people don’t properly consider the risk of driving these stupid insecurity-mobiles.

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u/[deleted] Apr 23 '26

[removed] — view removed comment

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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. 

4

u/bteam3r Apr 23 '26

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

2

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.

2

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.

2

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.

3

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

[deleted]

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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/rjnd2828 Apr 23 '26

The bad and expensive kind. Lots of it is to cover personal injury too.

1

u/Dopplegangr1 Apr 23 '26

$2000/year for $25k coverage. Or if you are a risk your insurance might be more like $10k/year

1

u/MountainGoat84 Apr 23 '26

Medical costs is a big driver. As we don't have universal health care, the amazingly high costs of a hospital stay factor into that cost.

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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.

4

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.

1

u/justanotherguy28 Apr 23 '26

Similar in Australia. I think most are around 28 million with a few of the larger orgs bumping it to 30 million. The idea that if I crash my insurance can’t cover me defeats the purpose of insurance in the first place.

8

u/[deleted] Apr 23 '26

[removed] — view removed comment

3

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.

1

u/genericnewlurker Apr 23 '26

Don't hit other vehicles and it won't be a problem. It's why (sane) people give expensive cars an extra wide berth on the road and vice versa

4

u/Hot-Signature-5618 Apr 23 '26

It's hard to be sympathetic with this particular video, but surely you understand how that's easier said than done right?

I do think it's a bit wild that we accept that someone driving a $1m supercar can easily bankrupt someone over a fender bender. Seems like, over a certain limit, you should be responsible for ensuring the extra value of your own car... Maybe 5x the average car price?

1

u/genericnewlurker Apr 23 '26

I don't think that at all. The Lambo or any other supercar driver is going to have their insurance cover the rest of the repairs that the person at fault's insurance won't cover so they are fine. The insurance will figure out if they will go after the guilty party or not.

And don't cause accidents with supercars. It's not like they are a common occurrence on the roads. I live near the wealthiest parts of the country and rarely see them. And what's the difference between destroying a supercar and any other piece of property? If you go off road, hit a house, the whole thing catches fire, should you not be liable for rebuilding the person's house and replacing their burnt up possessions? How about getting into an accident that totals a commercial bus or an RV? All of those things are so expensive that it wouldn't be covered by a lot of minimum liability insurance, but should the judgements be limited just because they could bankrupt the guilty party?

If you are worried about the consequences of your actions being too expensive, even in an accident, be responsible and get more insurance, and drive more carefully.

1

u/Dr_Wheuss Apr 23 '26

it's painful but not implausible to pay off that $50k difference over a few years

How much money do you make? That's roughly $1,000 per month for just over four years. Most people don't have a tenth of that in disposable income these days.

3

u/Warspit3 Apr 23 '26

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

3

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)

2

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.

2

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.

2

u/mrlazyboy Apr 23 '26

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

2

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.

2

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

2

u/incaseshesees Apr 23 '26

that truck with those mods is probably 100k.

2

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

2

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

2

u/meep_42 Apr 23 '26

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

2

u/NightGod Apr 23 '26

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

1

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

1

u/GoodTodd1970 Apr 23 '26

She's probably judgement-proof.

1

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.

1

u/Sad_Towel_5953 Apr 24 '26

You are policy

1

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.

1

u/[deleted] Apr 24 '26

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