Current Events > Who is at fault (Stolen car situation)

(+) Yeah! (+)

besides the thieves.

my co workers cousin went on holidays and left his car at my co-workers house.

while at work my coworkers house got broken into and robbed. including his cousins car which was later found burned and abandoned somewhere.

insurance doesn't want to pay up because the car wasn't stored at the listed address (at coworkers cousin's home)

now my co worker and his cousin are feuding becuase his cousin feels he should pay for the car. Am I wrong thinking his cousin is in the wrong and should stfu and has no right to be demanding money for the car that he decided to store somewhere else while he was away.

I mean, if he had the car stored in his own garage while he was gone then insurance would pay up for it. but he decided to leave it somewhere else because I'm guessing he was scared that it would be fucked with at his home while gone.
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neither of them are in the wrong. The thief is an asshole, and it sounds like the insurance company is being as shady as an insurance company can be.

But the co-worker shouldn't have to pay. That's dumb.
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This is exactly why I am against (many forms of) insurance - you think you're covered but in reality you're not.
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The cousin is in the wrong. He should have paid for a parking garage if he didn't want to chance it.
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If you have insurance, use it. His fault for not wanting to use what he literally pays for.

Trayvon posted...

besides the thieves.

my co workers cousin went on holidays and left his car at my co-workers house.

while at work my coworkers house got broken into and robbed. including his cousins car which was later found burned and abandoned somewhere.

insurance doesn't want to pay up because the car wasn't stored at the listed address (at coworkers cousin's home)

now my co worker and his cousin are feuding becuase his cousin feels he should pay for the car. Am I wrong thinking his cousin is in the wrong and should stfu and has no right to be demanding money for the car that he decided to store somewhere else while he was away.

I mean, if he had the car stored in his own garage while he was gone then insurance would pay up for it. but he decided to leave it somewhere else because I'm guessing he was scared that it would be fucked with at his home while gone.

your cousin is fire thief right?
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This kind of got me thinking. my car is listed as stored in a garage at night but in reality I leave it on my driveway.

can "they" weasel out of payment if my car is stolen? (there is enough space in my garage for a car, it's just that the roller door is manual so I can't be fucked getting out. opening it. get back it to park it. then get back out and close the roller)
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Sativa_Rose posted...

This is exactly why I am against (many forms of) insurance - you think you're covered but in reality you're not.

i can agree with insurance companies statement, they will gladly take money. but when it comes time to pay out. they won't give a **** even if covered under "policy".
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Live in an area that isnt a shithole w scumbag neighbors

Its a sad but true reality of life

We cant have anything nice unless its behind a shield of barbed wire and a walled defense, bc..you know why

It hurts me severly that ppl are succumb to this type of bs, when theyre nothing but hard working ppl exploited by the dirt bags who happen to dwell in the same area as they are stuck in...if i could house everyone i would, but i dont have enough room..

I hope nothing but the worst happens to these pos who take advantage of the ppl who are honest working ppl who deserve a better life than the scumbags allow

I hope you ppl burn and the oppressed take you over
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I know that when you park a car at a friend's place, there is usually an unspoken agreement that because the friend is looking after the car, they are responsible for it. However, to expect that friend to be liable for any unforeseen financial costs is unfair to that friend, who is only doing you a favour because you imposed upon them. Maybe if the co-worker paid real money upfront, he would have a reasonable expectation for reimbursement.
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008Zulu posted...

I know that when you park a car at a friend's place, there is usually an unspoken agreement that because the friend is looking after the car, they are responsible for it. However, to expect that friend to be liable for any unforeseen financial costs is unfair to that friend, who is only doing you a favour because you imposed upon them. Maybe if the co-worker paid real money upfront, he would have a reasonable expectation for reimbursement.

I agree, i just wont bring anything worth having w me when i visit

The desperate neighbors might steal everything in sight
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why what's wrong with that?
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tote_all posted...

Trayvon posted...

This kind of got me thinking. my car is listed as stored in a garage at night but in reality I leave it on my driveway.

can "they" weasel out of payment if my car is stolen? (there is enough space in my garage for a car, it's just that the roller door is manual so I can't be fucked getting out. opening it. get back it to park it. then get back out and close the roller)

Are you seriously asking this in your own topic?

Who is they ??
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Lordgold666 posted...

Who is they ??

"insurance companies"

who else?
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If it was me in that scenario, id pay whatever fee to keep my property safe

Its the only way to be sure,

If something happens @ that point, at least its insured

Makes me cry i have to do such a thing in this day and age, but it is what is
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Cousin gambled and lost. The co-worker did exactly what the cousin wanted, which was store his car there
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Neither is responsible. If it comes to a "someone has to shoulder the bill" type situation, then the owner of the car purely because it's his car. But I'm pretty sure the insurance would lose if he actually challenged them.
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LavarNeedsHelp posted...

If you have insurance, use it. His fault for not wanting to use what he literally pays for.

Good job not reading the OP.
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Why is holidays
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Always appeal insurance decisions because they will deny even if it's covered.
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Trayvon posted...

This kind of got me thinking. my car is listed as stored in a garage at night but in reality I leave it on my driveway.

can "they" weasel out of payment if my car is stolen? (there is enough space in my garage for a car, it's just that the roller door is manual so I can't be fucked getting out. opening it. get back it to park it. then get back out and close the roller)

my friend who works for geico says that you probably receive a discount for keeping it in a garage. if it's found that you don't actually leave it in there, then yeah they might fuck you over for it
however he says that none of the agents see your account history, only what you currently have. so really you could get away with the cheapest insurance and when something happens change it all real quick and then give a call
not that I advocate for that or can even vouch for him >__>
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kingdrake2 posted...

Sativa_Rose posted...

This is exactly why I am against (many forms of) insurance - you think you're covered but in reality you're not.

i can agree with insurance companies statement, they will gladly take money. but when it comes time to pay out. they won't give a **** even if covered under "policy".

Exactly.

I had a vehicle with hail damage that was worth over $3000, with damage around $2500. They gave me $800 because the only 'comparable' vehicles did not exist in my area. I had to find the exact same model, trim, options, and colour. I guess when you have a rarer vehicle, insurance will screw you harder.
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Where do you live?
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His cousin needs to fuck off.
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prince_leo posted...

if it's found that you don't actually leave it in there, then yeah they might fuck you over for it

how do they figure this out?

do they call the neighbors and ask them how you store your car?

my garage actually has the room for my car. (ie. the garage isn't just a storage room full of junk) I just don't put it in there.

when making a claim can "they" weasel out of payments if I say it was stolen out of the garage?
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Cousins fault, definitely. He took a chance and left it at the co-workers house. Despite the fact that if anything happened to it, his insurance wouldn't cover it. On top of that, the co-worker had no control over his house being broken into, and is the real victim. The co-worker couldn't stop stop the fact that he was robbed, but the cousin could have easily checked his insurance policy to see if he was covered if anything happened to his car while it was parked at a different address than was listed.

He could have just called up his insurance and asked. The co-worker however, couldn't have called up the robber to ask if they might rob him that day.
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tote_all posted...

Trayvon posted...

why what's wrong with that?

Because you are asking if the situation you are literally describing in your OP is possible.

not really. my car is at the address where it says it is stored on my policy. just wondering if "they" can prove/disprove wherher it was in my garage or not if I were ever to make a claim if my car was stolen.

with my coworker, his cousins car wasn't stored at the same address as his policy.

I'm guessing when his cousin made his claim he told them it was at a cousin's house rather than his
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