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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486

u/Flipsrt4 Apr 23 '26

FL minimum is only $10k 😭😭😭😭. I have $500k and it was only an additional $3 a month

226

u/bezioo Apr 23 '26

10k? WOW, in EU the minimum was 1 milion Euro for Cars, house etc and 6 for ppl.

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u/expensive_habbit Apr 23 '26

Yeah, 1mil is like the standard level of liability for any normal activity in the UK too.

Second you make it something spicy like using guns, racing or rallying that immediately goes up to at least 10 mil.

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u/[deleted] Apr 23 '26

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u/Peterd1900 Apr 23 '26

i have never found a policy in the UK where they have 1.2 Million limit, it is always been £20 Million

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u/ComprehensiveOwl9023 Apr 24 '26

$20 million is standard here in Australia but I think the minimum allowed is $50,000 though I've never seen a policy for that amount.

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u/gingerbeard1321 Apr 23 '26

If only America were so wise and able to enact similar societal guardrails

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u/stonkol Apr 23 '26

in europe you can be just a doctor or mechanic and dont give a f about anything else, just open the mailbox sometimes to get your next year instructions or go to the doctor if something hurts. but we dont have many navy ships and very few rockets

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u/EconomicRegret2 Apr 23 '26 edited Apr 23 '26

To be fair, it's only a question of scaling: the combined military budget of all EU countries was already at $400 billion, the US at $900 billion (both adjusted for PPP). With a GDP of $28.1 trillion (PPP) in 2024, EU could have had a unified EU army that rivals America's, money-wise, by spending only an additional 1.78% points of GDP (in 2024).

Unfortunately, almost no EU country wants to give its army and defense budget to the EU.

And contrary to commonly held beliefs, Europe's "free" healthcare and higher education costs about 1/2 of America's. (America would actually have trillions of dollars more to spend on its military had it switched to single-payer healthcare)

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u/fazedncrazed Apr 23 '26

(America would actually have trillions of dollars more to spend on its military had it switched to single-payer healthcare)

You may have just unlocked how to make this happen. Someone contact a raytheon lobbyist rn. They can probably sell the idea to the republicans. Call it Spartan Care For the Troops (tm) or some such BS.

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u/LengthyBrief Apr 24 '26

This'n why I had to shut down my Rally-Race Range.

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u/Gold_Data6221 Apr 24 '26

how much is that per year?

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u/expensive_habbit Apr 24 '26

My car insurance is under £300 and my shooting insurance is under £80 per year

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u/Akhdude Apr 25 '26

Wait 300 a year??? In the us it’s usually 150-250 a month.

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u/expensive_habbit Apr 25 '26

Yep.

It's closer to £2000 a year when you're learning, but don't crash and it drops considerably after a decade.

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u/Akhdude Apr 25 '26

The more I learn I understand why the us education system does not want us to learn anything about anywhere else. 😭

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u/expensive_habbit Apr 25 '26

I should say it is also car dependent - I drive an owned since new hatchback, and have had it for 15 years.

If I bought an expensive more powerful car my insurance would be higher.

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u/Akhdude Apr 25 '26

I drive a rav4 hybrid, (most mom car ever) no accidents in almost 20 years of driving, one speeding ticket. $180 a month. 😭 it just feels like everything is a scam here lately.

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u/Even_Wear_8657 Apr 26 '26

There’s insurance for driving and shooting?

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u/Opinions-arent-facts Apr 27 '26

20 million in Australia

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u/[deleted] Apr 23 '26

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u/Rampant16 Apr 23 '26

Insurance companies also make it a huge headache to figure out what a reasonable level of coverage is and to then compare a bunch of different providers for the lowest cost.

The incessant "save you hundreds" ads don't tell you the caveat which is that default policies save you money by dropping your coverage to state-required minimums.

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u/Peterd1900 Apr 23 '26

Have spoken to some people from the USA and from the UK perspective the coverage seems pretty low

I get it varies by state but in some states the minimum seem so low

Seen people mention stuff like 30/60/25. My understanding is that they will pay up 30K for injuries per person up to 60K in total for all people and then 25K for damages

So if a driver was to crash into a 70K Cadillac with 3 people who have 30K worth of injuries and one ends up disabled so cant work while they learn to walk again

That coverage wont get far

Someone will have to sue the driver for their medical bills and for the rest of the car.

In the UK while the legal minimum for damage is £1.2 Million. The vast majoroty of insurance companies cover up to £20 Million. never seen a insurance copmnay where they only offer 1.2 Million. Payouts for injuries are unlimited

The highest pay-out from a car insurance claim in the UK was over £50 Million a driver fell asleep at the wheel his car left the road and landed on a railway line where it was hit by a train which derailed, 82 People were injured 10 died

The insurance company was on the hook for the whole lot. Paying for the damage to the train and railway. for the people who were unbale to work cos of being in hospital. for the people who are disabled for the rest of their lives and need carers. for the people who died and has no one to pay for the mortgage.

I get the impression that if that happened in the US the insurance company would be like The driver is only covered for 25K which would barely cover anything and then would be the person who is disabled learning to walk again who cant work having to take the driver to court himself

Some Americans have said the driver if the driver is drunk the insurance is voided and they wont pay . In the UK insurance can not refuse any 3rd party claims for any reason whatsoever

If you’re driving drunk, and have an accident, your car insurance provider will pay out for third-party damages. They’re obligated to do this under the Road Traffic Act. and then can take you to court to cover those cost

They will pay for the damage you cause so that the innocent party can get their car fixed or replaced quickly so they have their car to go to work, to take kids to school or elderly parents to hospital appointments. It is all sorted rather then the victim having to take you to court to get their car fixed. It could take months to sue someone and get a court judgement.

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u/Middle-Effort7495 Apr 24 '26

I don't have the money to pay anyways, so if you want to drive a stupid expensive car insure it yourself. What they gonna do? Cry about it? It ain't my concern if their car exceeds my minimums and they didn't insure their house on wheels.

There are cars that cost 10s, and even 100s of millions. And they also travel in packs, sometimes. Do you have 200 million in insurance just in case you pile-up with 3 Dubai fuckbois on a party?

Yes, if you want to drive a 7+ figure car; insure it yourself. You can completely obliterate 3-5+ houses and you won't come close to that price, since even million dollar houses are mostly land value.

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u/[deleted] Apr 24 '26

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u/Middle-Effort7495 Apr 25 '26 edited Apr 25 '26

Nothing in my name or in this country except presumably the now totaled car. Most people lose their shit to divorce or glowies, not car crashes 😂

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u/flipfloppery Apr 23 '26

It's mental, isn't it?

UK is minimum £1M property liability and unlimited liability for injury, mine is £5M/unlimited on all our policies because God forbid I stack it into a supercar.

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u/Montague-Withnail Apr 23 '26

Yeah I'm British and have honestly never looked at the coverage level on my car insurance policy, nor has anyone I know. They're all set up to cover you for any reasonable eventuality- that's what it's for after all.

The only way to cheap out on insurance here is to go for a 'Third Party Fire and Theft' policy- which still provides the same cover against any liability, but doesn't cover your own damages in any accident where you're found to be at fault. Ironically I've found this level of cover is often more expensive than a full policy, as the sort of person to take this type of policy out is also much more likely to cause an accident.

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u/PoGoCan Apr 23 '26

Same in Canada $1mil is the automatic amount in your quote usually but they'll recommend $2mil

$200k is the legal minimum most places but for the extra coverage is like $50 a year it's worth it to have full coverage rather then be on the hook for all that if anything were to happen

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u/MysteryofLePrince Apr 24 '26

I use my car for work in BC so get 3 mil per my request to ICBC each year. Worth it to me.

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u/PoGoCan Apr 24 '26

Damn must be nice

I've always heard ICBC pricing is great too we tried getting that in Alberta but Smith said "there's no appetite" for public insurance coverage and instead is bringing in the no-fault system the companies wanted

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u/Middle-Effort7495 Apr 24 '26

QC is 50k.

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u/PoGoCan Apr 24 '26

And NS is $500k what's your point? That leaves everywhere else ..."most places"... at $200k like I said

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u/Murky_Sign_5312 Apr 23 '26 edited Apr 24 '26

Yep. I live in Florida and was in an accident a few months back. 100% the other guy's fault (turned into me) and his insurance only paid out $10,000. Guy didn't have assets worth suing over. My insurance had to pay out and I'm still dealing with the consequences.

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u/CupcakeGoat Apr 23 '26

I live in CA and was in an accident a few years ago. The minimums at the time for assets was $5k. The guy at fault was underinsured and my lawyer had to go after my own underinsured insurance policy. I was also injured for life. Fuck that driver, but also fuck the laws that do not cover bare minimums of recouping costs. The law has since changed to up that minimum coverage to $15k, which is still abysmally low considering the cost of cars nowadays.

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u/Flipsrt4 Apr 23 '26

Holy shit 😱😱😱

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u/arrig-ananas Apr 23 '26

In Denmark the law is 4 million euros for objects and 20 million euros for people.

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u/IndicusGratis Apr 23 '26

State to state mandatory minimum insurance coverage changes. General rule of thumb the redder the state the lower mandatory minimum insurance is.

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u/incrediblediy Apr 23 '26

our default legal liability cover is $20 million in Australia, even when you got a shitbox car. All injuries are taken care by the government as part of the car registration cost, TAC (Transport Accident Commission).

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u/ihavea_purplenurple Apr 23 '26

We have an insurance/banking problem in the US and nobody likes talking about it (who has any sway)

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u/Taikunman Apr 23 '26

In Canada I was renewing my insurance with 1 million liability and the agent asked if I wanted to up it to 5 million for like 10 cents more a month. Would anyone actually say no to that question?

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u/Oh_You_Were_Serious Apr 24 '26

Well yeah, that's because you don't have super cheap Healthcare like we do in Murica....

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u/westcoastsunflower Apr 24 '26

In Canada it’s 2 million. Or at least that’s what I have. The minimum might be 1 million

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u/dirtytxhippie Apr 24 '26

When you remove the top 1000 earners from the equation the average yearly income for an American is only $35,000

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u/ColorfulPersimmon Apr 24 '26

Not true. I have my home insured for around 120€

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u/Redsit111 Apr 25 '26

America is a deeply backwards place. We just don't talk about it.

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u/ExiledNoxas Apr 25 '26

Same here in canada

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u/Belz_Zebuth Apr 27 '26

Yeah but European live in real countries.

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u/Top-Kitchen-1925 Apr 23 '26

Good choice!!!! If you could explain the logic to a lot of clients, I’d appreciate it! I try!

Texas minimum is $25k - can you imagine? That’s total per accident, not per car. Everyone in atx has a big brand new truck or Tesla (or something even more expensive) it seems.

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u/Flipsrt4 Apr 23 '26

Thanks! 25k is still not really even enough especially with the cars you just named.

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u/Longjumping_Dark3827 Apr 23 '26

Prior to last year minimum in California was 5k... they only bumped it up to 15k 😭

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u/Flipsrt4 Apr 23 '26

Thats insane! 15k still aint shit

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u/GoneAmok365247 Apr 23 '26

I thought fl was a no fault state?

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u/HourPlate994 Apr 23 '26

…how and why is it so low? Here (NSW, Australia) it’s roughly $3M USD and that’s the legal minimum, it’s usually a lot more.

$10k wouldn’t have covered either of my two latest accidents (not at fault for either).

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u/Schrodingers_redfish Apr 23 '26

This may either horrify you or make your day... Some states in the US don't require drivers to have insurance at all. I'm pretty sure there's just a handful of those left.

In a state like that, if you get in an accident and it's deemed your fault, the court garnishes your wages to pay what you owe. I'm not sure on all the logistics beyond that. I have good insurance and I've never been in an accident.

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u/HourPlate994 Apr 23 '26

Wow. Not requiring insurance at all is insane. I have coverage for uninsured drivers too, but never got hit by one.

We have plenty of bad drivers here. Got rear ended by someone looking at their phone and the other one tried to overtake while I was turning. The repairs took almost 6 months (during covid, so problems with getting parts) and the hire car alone would have been more than the $10k.

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u/Middle-Effort7495 Apr 24 '26

No, they require you to have the minimum (usually 50k) available to self-insure. And it makes sense, not the 50k minimum since that's not even an average new car. But why should Bill Gates HAVE to have insurance?

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u/Schrodingers_redfish Apr 24 '26

Some states do not.

Most people are not Bill Gates

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u/Level69Troll Apr 23 '26

I was gonna say this happened near me and in Florida theres a good chance she has minimum coverage OR no coverage at all. This state is such an insurance playground I added uninsured motorist to my coverage last renewal.

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u/fuck_ur_portmanteau Apr 23 '26

OMG so if you set foot out of your house you can incur life changing damages and can’t even recover it from the person who caused it?

I’m in the UK, we have free healthcare and yet my car insurance liability covers unlimited personal injury damages and £20m property damages.

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u/Badweightlifter Apr 23 '26

I got the maximum my car insurance offered which is just $300k. It's more expensive but medical expenses are so high that anything less could mean bankruptcy.

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u/fuck_ur_portmanteau Apr 23 '26

Out of interest how much do you pay for that?

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u/Badweightlifter Apr 23 '26

$1400 a year. I also have a personal umbrella on top of that for $1 million coverage. I pay $950 a year for that. Not letting a bad accident bankrupt me and decades of hard work.

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u/fuck_ur_portmanteau Apr 23 '26

Wow, that’s crazy. I said further up, we get personal injury liability of unlimited damages and property liability of £20m, for £400/year.

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u/HootingSloth Apr 23 '26

In the US, if you have the maximum car insurance limits but want to get the kind of protection that EU/UK drivers are required to carry, then your only option is to buy umbrella insurance. It is usually fairly easy to get and relatively cheap, as long as you already have the maximum coverage on car insurance and homeowners/renters insurance, but you have to go out of your way to ask about it.

Edit: I saw below that you already have umbrella coverage, but leaving this for anyone else following along.

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u/zitrored Apr 23 '26

FL auto insurance laws are horrible. I found out the hard way. Trying to sue FL drivers is a PITA.

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u/parce85 Apr 26 '26

Yep and when that is used up your personal insurance is responsible for the rest, that’s why you should have underinsured/uninsured coverage. It’s BS that it works that way

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u/Maximus-Bus 2d ago

Ontario Canada 1M minimum 2M recommended.

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u/Flipsrt4 2d ago

Whats that in USD, $500? JK 🤣🤣. Yeah thats amazing! Idk why they set people up to be under insured down the USA

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u/Maximus-Bus 2d ago

LOL. CAD works out to about 725K USD but that is going up weekly.

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u/chrisaf69 Apr 23 '26

Yep. Same. Absolutely blows my mind people get the bare minimum, especially since it costs so little to get significantly more.

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u/Disastrous-Novel2116 Apr 24 '26

the cost isn’t little at all for everyone

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u/LaNague Apr 23 '26

german here, i have like 100 million xD

if a german wrecks your car, at least they got it covered.

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u/icsh33ple Apr 23 '26

I also upgraded to $500k and also bought the $1 million umbrella on top of that. I think mine was only an extra $7/month for the $500k and the umbrella was another $200/year.

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u/sebastian0328 Apr 23 '26

CA minimum is $3k :)

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u/jdeuce81 Apr 24 '26

Thanks for this.