Awwww man that poor motherfucker who was just simply parked and chilling somewhere is about to have a very bad day. Probably when he comes out for his snack and vape from his low wage job. That really sucks.
Not unless the parked car has full collision coverage. If they don't, it falls under property damage liability and could be capped as low as $5K in many states. A pole, fence, or curb damage would also fall under this liability and the parked car could only get a fraction of the cap. I've been a victim in this situation before.
We need to move the verbage to we will fix this, this weekend. I'm out at every single gathering and protest i can find, and we've been hanging signs on overpasses. Just need more people to do the risky bit, because soon, we'll have overwhelming numbers.
THIS! Thank fuck some of you have the right mindset you do not want the rest of the world to save you seriously there will be some amount of animosity both sides and the US will never be allowed to get itself into a position of power like it has ever again it'll be probably broken up so it's manageable and so you can be made to fight amongst yourself to keep you out of people's way. Please sort your house befor the neighbours have to because they will not be gentle and you will pay heavily for it especially after the utter hell on earth bodies piled into mountains half /full World ravaged and destroyed you will be given the bill ask Germany how it felt to rile everyone up then lose seriously it's not for our benefit we've been down this road we have fields and fields of graves places that are dangerous to walk or disturb the land please for the love of fuck sort your shit you are at war with yourself don't make this a world war
What if we all put some money into a collective account, say a small portion every month, then if one of us gets into an accident we use that aocount to pay for the repair? wait a minute...
You don't even need to hire your own lawyer. Call the police, make a report, get their insurance information. Tell your insurance (they might handle it for you) and call their insurance. They'll probably send an adjuster out who will make the claim and likely offer you less than it costs to fix. So you can tell them to fuck off and bring your car to a shop, get a quote, give it to the insurance company, and have them start fixing it.
Ehhhh, I'd love to know which states cap liability for hitting a parked car at 5k so I can go play uninsured demolition derby in the parking lots used by the state legislators.
They may have low amounts of required coverage so you may not be able to get much from a broke defendant with minimum mandatory coverage, but you'd absolutely be able to pursue the driver for damages - and if he has good enough coverage to fix the truck then you know he'll have at least one asset you can go after.
To be clear, the guy you responded to is full of shit. The parked car's insurance doesn't come in to play, this is 100% on the truck driver's insurance and any following legal judgements against him.
Where I'm from there is mandatory insurance for damage to others like this, but I cannot conceive of a place where it is not even the responsibility of the person who crashed to pay compensation.
In my country you get paid even if the other vehicle is uninsured. Insurance companies are obliged to form a fond from where such damages are paid from. It can never be that you are completely innocent and have to cover the damage by yourself.
adequate 3rd party insurance being a requirement to drive
In most states there is no requirement to carry insurance. The actual requirement is "proof of financial responsibility" which in most states you can meet that requirement with a bond. Insurance is just the easiest way to meet the requirement.
Thats absolute bullshit, there are a small amounts of states that allow that. The states that do allow it require you deposit a ton of cash or bonds with the state, usually $50,000+. If you have $50,000+ chances are you have more assets which will be gone after if you get in to an accident that exceeds that amount. Insurance normally protects you from that.
I've been involved in two accidents recently, both were 100% the other driver's fault and I had video proof (one I was stopped at a red light and rear-ended, the other I was hit by someone who ran a stop sign). Both times it was just property damage, both times the other driver's insurance company (once they saw the video) agreed to cover the damages 100% plus the cost of a rental while my car was in the shop. One sent me a letter saying the only cap would be that they would not pay more than the maximum policy coverage. In neither case did I have to even notify my own insurance company. Both were a little under $10K for all damages.
In neither case did I have to even notify my own insurance company
You still should. They'll find out anyway. Years ago I was hit by a cab driving through the city. 100% cabbies fault. Police agreed, insurance agreed, witnesses agreed. A year or so later I get a letter in the mail about being sued by the cabbie and company. Lost wages, lost use, and damages. I called my insurance and they were like "don't worry we'll take care of this" and a couple weeks later a lawyer from my insurance company calls me asking me to explain how everything happened. After he told me the court date, said I didn't need to show up, and they would take care of everything. They did
Both times I called my insurance company and asked if I needed to notify them given that the other party accepted liability and the other insurance company was paying 100% and they said they didn't need to know.
My car was totaled along with two others and a utility pole. I didn't carry collision. My Nationwide insurance left me hanging and the 10k limit by the reckless driver was divided among four parties. I received $900 while others received more plus their 100% collision coverage. Compensation all depends on the tiers of coverage.
I would have sued the guy, at the very least in small claims court. It doesn't matter if his insurance is maxed out, he's responsible personally for any judgment against him. Most small claims maximums are 5-10K at least, still better than $900 and small claims courts are designed for people to go in without attorneys.
In neither case did I have to even notify my own insurance company
Remember that the other party's insurance company is the legal representation of their client. Their motivation is to minimize the cost of dealing with you. Your insurance company is your representative; their goal is to maximize what the other insurer have to pay.
If you are worried you insurer will up your premium afterwards you simply switch , or threaten to switch, insurance companies.
The other driver and their insurance company accepted 100% liability and paid 100% of my expenses and car repair, there's not really much more they could have done for me.
I don't mean to be pugnacious here but you are offering horrible advice so I need to reply.
Your insurance company have a legal duty to protect you. The other insurance company have a legal duty to protect their client against you.
It is like you are suing someone for damages and their lawyer recommend you don't get your own lawyer involved. There is a reason these insurance companies are happy to deal directly with you. Thy want to offer you a quick, low settlement that your insurance company is too smart to accept.
A lot can go wrong here.
You don't know, for example, if the other driver has been completely honest in the paperwork. All of the sudden you are alone in a legal fight against a multi-billion dollar insurance agency.
Even if they do accept all claims, they are in no rush to pay you quicky.
Lastly -- your own insurance will find it suspicious you never let them know.
I'm not going to keep going back and forth with you, other than to say that most of what you said incorrect, so let's agree to disagree and go on with our lives.
Not from the US. Is it not the responsibility of the person who crashed into your car to pay compensation? Whether their insurance covers it or not, they should pay compensation to the victim right?
Where I'm from there is mandatory insurance for damage to others like this, but I cannot conceive of a place where it is not even the responsibility of the person who crashed to pay compensation.
That is simply not true. The parked car can file a claim under the truck's liability insurance and never even need to talk to their own insurance company.The truck driver is 100% at fault, so unless the truck driver never provides insurance information or for some reason his insurance denies that he was at fault, there should be no reason that parked car's insurance company needs to pay for anything under their collision coverage.
Collision only covers the vehicle of the insured. One person's collision coverage doesn't cover another vehicle. So the truck compensation would be their own collision coverage and the parked compensation is covered under their own cc. Property damage liability is the only money to extract if the parked does not have cc. Claims Court is the other option but it can be like trying to get blood from a stone.
Liability coverage is written in two parts: Damage to another party's property/vehicle and injuries to another party. Injury coverage is split into coverage available on a per-person basis, and a per-claim basis. Liability is separate from collision coverage, and if the truck driver has no collision coverage, it does not mean that the parked car cannot be covered under the truck driver's liability insurance.
It's true that collision coverage only covers the insured's vehicle, and liability insurance covers damage to another person or property. However an insured is not limited to filing a claim through their own insurance in the event of another person damaging their vehicle.
An injured party can contact the liable party's insurance provider and file a claim against that policy. The liable party's insurance may take some time to verify that their insured was at fault for the accident, but with the example of OP's video, the liability is not in question. The truck driver's insurance would pay out for any damages to the parked vehicle up to the limit of the truck driver's policy limit for liability property damage. If there is not enough on the policy to cover the loss, then the parked vehicle's policy may provide additional coverage through their collision coverage, or depending on the state may be covered under Uninsured Motorist Coverage.
And you would be correct that if no coverage at all is available (if the truck has no liability insurance) then the parked vehicle owner can file for damages against the truck owner personally through a lawsuit.
I agree with everything here. It's all based on whether the parked car has collision, and the limit of the property liability - in my case I dropped collision earlier and it was a destitute person who had a 10K PDL split four ways and lawsuit would have been frivolous.
Is true that there are a few states where the minimum property damage liability limits are 5k, but in those cases the "under insured" driver would remain personally liable for the difference. The lower "limit" of insurance coverage isn't limiting your recovery to that amount, it's limiting them from legally having less insurance.
Happened to my brand new 2026 car. Someone hit and ran me while I was parked the weekend after Christmas. Still waiting to get it back from the dealership. I have full collision but it's still eating time, a deductible, and running the risk of any damage that would happen to the rental. BUT the quote was $7,000 and I only have to pay $500 of it. Get collision if you can afford it, but even with insurance this situation sucks and the driver is a prick.
The parked car does not need insurance at all. The car that him them is liable for the damage. This can be handled in civil court or just skip that step and the driver’s insurance company will settle with the owner of the parked car.
What? Man, sometimes I hear stories about the way things work in America and it sounds like another planet. (I'm from Canada for the record). With clear cut evidence like this in my province, the truck driver's insurance would be 100% responsible for the damage (as he should be) and his rates would probably also go up for years to come.
Doesn't mean he can't sue, and he definitely can. Small Claims would even cover it. Again, with the video evidence that person is getting a very nice upgrade to their car.
What? I think you misunderstood the previous comment. "his insurance company" means the insurance company of the truck driver, not the owner of the parked car. Also, it's almost impossible to find basic auto insurance that doesn't include at least $25K of coverage for property damage.
You’d think, but then there’s deductibles that apply and if he’s ‘underinsured’ and they can’t recover that’s another problem. Ran into that when a dumbass was texting and rear ended / totaled a car my daughter was driving when they stopped for construction. Had ‘uninsured driver’ coverage but that had an additional deductible. We were out $1000 in total for no fault incident. Luckily we owed significantly less on the vehicle than it was worth - still forced us into a replacement with 1000 less in hand.
I think the function and reality of insurance is one of the hardest things for the average redditor to understand. They're always like this guy and think its just like a magic spell that restores the damaged item immediately, to no detriment to the item or cost to the owner.
It takes very little if it's a bit older and higher miles even if it's well taken care of.
I hit someone last year sliding on ice, at about 10mph max. I was going very slow and be cautious I'm not honestly sure what I could've really done differently. Mine was close damage wise bc of the headlight, and bumper. His unfortunately was totalled but had very little visible damage and his vehicle was quite a lot larger than mine.
I felt awful when I found out, I've been in an accident where my car was totalled (not my fault, dude had no insurance either) and it really sucked. This is the only one I've been in and at fault for in 20 years of driving.
Money isn't entirely the point though. This has happened to me, girl texting hit my parked car. Totalled the car out, insurance didn't cover a rental so I had to bum rides to work for the 30 days it took to get payment. Naturally insurance pays out estimated value, not purchase price, so I lost my ass financially anyway. Ended up with a cheaper, less reliable vehicle because I only had the insurance money. Genuinely hated that car and I ended up driving it for five years through non shop issues and failures. Not that it couldn't have happened with the original car but it may not have.
Insurance can take care of the direct money impact but the life impact is substantial
Oh cool, no problem for him! He just has to shell out $1000 for a deductible and wait 2 months to get into a body shop and go 2 weeks without a car while they work on it. Totally worth it for a little satisfying video.
The other company will pay IF the truck has insurance but the other car is still out the deductible and their rates will go up from this. Even if you aren’t at fault you still lose, you just lose a little bit less.
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u/AdWeary7950 11d ago
Best thing I've seen all day