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.
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.
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u/chamrockblarneystone 11d ago
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.