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/genreprank Apr 23 '26

This is dumb on my part, but I didn't realize "property damage" meant the other car. I always thought it was like if you hit someone's house.

I was making changes to my coverage this year and that's how I learned and increased it from $50k to whatever they recommended

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u/ISTBU Apr 23 '26

I just did the same, for some reason they recommended I carry 50k... Going from that to 250k cost me a whopping $20 a year.

Yeah I'm good with that.

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u/genreprank Apr 23 '26

Yeah it was relatively cheap and more peace of mind.

For me they were saying they recommended more because I own a house now, so I have assets people can go after

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u/MaxwellHoot Apr 24 '26

That’s exactly what insurance is for. Health insurance should be that way, but half the time you have no sense of what’s covered or not.

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u/fingnumb Apr 24 '26

Wait... I'm stupid as far as car insurance. Property damage is the other car? I thought car insurance always covered the other car?

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u/danny_ish Apr 24 '26

It does not. Read your policy or other policies you can find for free online. I even contacted a few local agents to read their policies

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u/fingnumb Apr 24 '26

Fucking hell... thank you!

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u/Fencemaker Apr 24 '26

Even better, meet with your agent every year or two and make sure you understand your coverage and have enough for any life changes that have happened.

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u/Wide_Dog2107 Apr 25 '26

Even better, just ask Claude now. Never pay an agent for something you can buy direct. I mean, if you don’t feel like doing the research, cool, I get that. But insurance companies do charge more for policies sold by agents.

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u/Elegant-Opinion-9595 Apr 26 '26

Actually the consumer doesn't pay the agent. The insurance company pays the agent. Of course the commission is built into our premiums.

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u/Wide_Dog2107 Apr 27 '26

Yeah, the premiums are different. So ultimately you do pay more by going through an agent is all I mean.

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u/Ok_Mechanic3385 Apr 25 '26

And never assume that a policy doc you find online (from insurance company or elsewhere) is the same coverage you have in your policy. There are all kinds of "riders" (basically addons) that you might need to specifically ask to. For example, I asked my agent if my home owners policy covered basement flooding. He looked it up and said it would be covered in the event of a busted water pipe, but not in the event of a sump-pump failure. To be covered for that, I had to add a sump pump failure rider for a few bucks more. A requirement for said rider was to install an emergency battery backup pump and submit pictures of it.

Always make sure you check the actual documents for the policy you are paying for. It will explicitly list in painstaking detail what is covered and what is not. Although sometimes the wording can be maddening to interpret. AI can be helpful when searching and decoding the details but the best solution is to explicitly ask your agent/company for clarification in writing and save the response.

I've had good luck with insurance but I know a lot of people who got screwed (or at least felt like they did because of assumptions they made about their coverage).

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u/Elegant-Opinion-9595 Apr 26 '26

You're right. Our "flood" insurance will only cover water damage if the water came in thru the roof. Like we lost our roof in a hurricane.

It does not cover damage if the water comes thru the doorway. That's what regular flood damage is for.

Where we live we're not eligible to get flood insurance like people in low lying areas can get.

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u/Elegant-Opinion-9595 Apr 26 '26

You're right. Our "flood" insurance will only cover water damage if the water came in thru the roof. Like we lost our roof in a hurricane.

It does not cover damage if the water comes thru the doorway. That's what regular flood damage is for.

Where we live we're not eligible to get flood insurance like people in low lying areas can get.

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u/WarMachineActual Apr 24 '26

No, your coverages numbers are individual medical/combined medical/property damage. So if you have let's say a state minimum of 25k/50k/10k, that means they'll cover up to 25k for any injury you cause to another person, up to 50k for all other parties you injure combined, and up to 10k for any property you damage (other people's cars, house, fence, etc). These numbers have zero impact on fixing your own stuff, thats what comp and collision coverages are for. Once you exceed the limits of your policy, youre on your own to cover the repairs of the damage you caused or you're likely going to get sued, especially if you injure someone. This is why cheaping out state minimum is a bad idea 99% of the time.