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Posted by James Bond (aka Igor) (aka Igor) Jul 28 '15, 20:18

My dad and grandpa were in a car accident like a week and a half ago (they are fine, just some bruising). This dude ran a red, hit my dad's car and then hit another car.

The dude of course has no insurance. Magically also witnesses popped up saying my dad ran the red. Luckily the witnesses can't even come up with the same story so the insurance company is like WTF.

Which also brings up a different point. We own the car my dad was driving (as opposed to lease) which sucks. Because it seems the payout on the car will be like $4k below what it takes to buy a similar used car. Another point why leasing is better, just leave the car and you are done (gap insurance will take care of the difference).

Responses:

You can generally pay a little more to be insured for replacement value, etc - Karl_S Jul 28, 23:33
I'd like to open a discussion on the benefits of car leasing, but not here. I'm glad your dad and grandpa are OK. This situation sucks. - Mop Jul 28, 21:37 2
- I assume because the guy has no insurance so he got some people to lie so the accident isn't his fault and he wouldn't have to pay? - James Bond (aka Igor) Jul 28, 21:57 1
  - that's one big thing, an accident counts as several points on your record...i'm thinking, dude with no insurance, maybe its a borrowed car? so he has - zeitgeist Jul 28, 22:21
glad your 'rents are ok...you know, it wouldn't be hard with google tracking show that at the time of the accident they were XXmiles away - zeitgeist Jul 28, 21:08 1
- Interesting idea, not sure how realistic it will be to do that but interesting -- nm - James Bond (aka Igor) Jul 28, 22:06
so glad everyone is ok! -- nm - b! Jul 28, 20:55 1
- word. All the other stuff is whatevers -- nm - James Bond (aka Igor) Jul 28, 20:58

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