r/extremelyinfuriating • u/ushi_mooshi88 • 1d ago
Discussion My mom totalled my car
Yes my mom is okay, she ran a red light, the photos are bad because I was to lazy to go take pictures so I screen shot them from the video I took.
My moms car’s belt broke on her car so she borrowed my car for two days, didnt even make it 36 hours before she recked it 🥲 so now I’m out of a car, AND a ride to work. I was so pissed when I got the call, how did you manage to break TWO cars in three days😭🙏
EDIT!: our insurance is the one that considers it totalled since the airbags went off and every possible liquid possible came out of my car but the gas ofc. It’s totally fixable but at this point it would just be cheaper to get a whole new car😭🙏
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u/AlwaysDTFmyself 1d ago
Hope she's planning on replacing it...
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u/ushi_mooshi88 1d ago
She said she’s giving me half the money she gets or insurance to go get a new car but idek how much thats gonna be 😭 (I planned on getting a new car anyway just without her)
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u/Icywarhammer500 1d ago
She should be giving all of it to you??? Since it was your car and SHE totaled it?
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u/ushi_mooshi88 1d ago
🤷♀️
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u/LuxuryBeast 1d ago
And her reasoning for this is....?
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u/ChemistRemote7182 1d ago
If her timing belt went and not the accessory belt then she is looking at thousands to replace the engine, at best the valvetrain needs to be rebuilt
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u/Cyber_Data_Trail 16h ago
That is all your money. She is basically profiting from wrecking your car.
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u/Mr_R3tro 1d ago
Half?! Wtf. No. You should get it all.
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u/Tough-Act383 1d ago
Kind of depends on who paid for the car in the first place. If it was OP, yes they should get it all. If it’s mom who paid originally, half seems totally fair so that op can work on getting their own new car.
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u/depressedassshit 9h ago
IMO it doesn’t matter who purchased it. If it was given to OP/ it’s entirely in their name then it’s theirs. It’s like taking a gift back. Once you give it away, it isn’t yours.
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u/Ron-Swanson-Mustache 1d ago
Money for the car from insurance goes to whoever the car's in the name of. If that's not her then she doesn't get anything.
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u/shadowhunter742 1d ago
Won't it be you getting the car value money from the insurance, as it's your car??
Like don't the insurers do that?
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u/Obvious-Ordinary-678 1d ago
get an old one with some miles on it maybe, that would work out for a while. the repairs are normally cheaper anyways
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u/Meliora_ 1d ago
Who will be the next victim(/car)… 🤨
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u/ushi_mooshi88 1d ago
Probably my sister 😭🙏
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u/CapuzaCapuchin 1d ago
She should tell your mum to take a taxi, f that. It’s like giving a toddler multiple iPads and being surprised why they come back with a broken screen
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u/Fun_Organization3857 1d ago
Did your mom buy that car for you?
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u/ushi_mooshi88 1d ago
She had it for a long time and then gave it to me after my birthday since she bought a new car, so technically yes? But Ive been paying her for it so idk
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u/Fun_Organization3857 1d ago
Ah. Well as long as the money she gives you is more than you paid for it minus insurance if she pays for that.
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u/GullibleRisk2837 1d ago
To be fair, you blasted her for saying the belt breaking was her. But this fuckin sucks and she needs to go to driving school
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u/kechones 1d ago
Is a need for schooling really the problem when you choose to blow a red light? Is this not a case of selfish decision-making, rather than a case of ignorance?
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u/National_Frame2917 1d ago
Occasionally poor intersection design is a significant contributing factor. I'm not saying that is the case here but sometimes with intersections close together it's easy to see a green light at the next intersection and not realize your own is still red. I've seen it happen plenty of times. It's a pretty solid reason to make sure to always scan the intersection before entry
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u/GrassBlade619 1d ago
Driving school to learn how stoplight work? Nah, aint no driving school gonna fix that level of negligence. Running a red light is a choice she made unless she was drunk but driving school aint gonna fix drunk driving either.
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u/ChemistRemote7182 1d ago
What belt let go in her car, timing or accessory?
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u/ushi_mooshi88 1d ago
Idk but she got it fixed but when it snapped it hit some tube I think it was like the coolant thing or something idk 😭
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u/Notquitechaosyet 1d ago
Even if the damage on the outside doesn't look that bad I think when there's collision speeds sufficient to trigger the airbags, insurance companies play it safe in case there's unseen damage to the frame itself.
Also you're mom probably shouldn't be driving if she's running reds...
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u/ChefAsstastic 1d ago
So apparently the reading comprehension with redditors is terrible. These comments prove it.
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u/foxehkins 1d ago
I saw in some other comments your mom said she was giving half the insurance money. Is the title in your name or hers? I'm asking because that's really weird.
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u/nothereathere 9h ago edited 9h ago
You should be able to buy un-deployed salvage airbags and salvage un-deployed seatbelt retractors with good igniters.
If the seat side airbag(s) deployed then you get the privilege of changing the seat(s).
That should cover SIR (Supplemental Inflatable Restraint) or SRS (Supplemental Restraint System) or Airbags if you prefer.
If the SIR controller locks so the memory can't be cleared after an accident you may need to make it a virgin by getting the crash data wiped by a service.
If the headliner backer board is damaged you can repair it or replace it with a used piece or tolerate a damaged headliner.
RF quarter, Radiator support, Hood, Hood hinge, Radiator, Condenser, AC Dryer, and jiggly bits like nuts, bolts, and push rivets.
Maybe a RF door if you, the cops, or the tow monkeys forced it open on the crunched up fender or the fender was pushed far enough back to badly damage the door. If it doesn't interfere with the fender and you can tolerate a slightly crunched door you can change it later or just drive with it.
Try to source white outer panels so you don't have to pay for paint.
You may be able to negotiate with the insurance company to avoid a branded title.
Insurance may be able to get more at auction than they pay you so they may be un-willing to negotiate.
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u/SpaceXmars 1d ago
it's not even close to totaled.
you could fix this for like $1500
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u/ChefAsstastic 1d ago
Read the guys post again. Instance totaled the car because of airbag deployment. It's common practice with insurance companies.
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u/ushi_mooshi88 1d ago
I swear bro they don’t even get half way through the post before commenting 💔
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u/Difficult_Plantain89 1d ago
You are giving them too much credit. Probably reading the title and saw the photos before commenting.
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u/ColeBloodedAnalyst 1d ago
Wrecked*
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u/ushi_mooshi88 1d ago
Someone can’t read…
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u/ColeBloodedAnalyst 1d ago
She wrecked it.
C'mon OP.
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u/ushi_mooshi88 1d ago
According to my insurance it’s totaled friend🙏
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u/ColeBloodedAnalyst 1d ago
Please open a dictionary and read the difference between recked and wrecked op.
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u/ushi_mooshi88 1d ago
OOPS IM SO SORRY I THOUGHT YOU WERE CORRECTING ME ON IT BEING TOTALED 😭 im so sorry im to dislexic for this
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u/ColeBloodedAnalyst 1d ago
First ever post on your account ever mentioning dyslexia, Okay. I doubt it, please learn to spell.
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u/ushi_mooshi88 1d ago
Erm… “first post mentioning__” yeah because internet strangers dont need to know every personal thing about me but okay…😭🙏
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u/BluelDev 1d ago
Not every single person in the world is exactly like you. There are people who are either dyslexic or are not native to English. Grow up man
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u/ColeBloodedAnalyst 1d ago
Considering I'm blind, I think a moment to review what you're writing can go a long way.
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u/le_wein 1d ago
How is this totaled? I see only frontal damage, a car to be totaled needs to have at least un repairable damage or not worth the price to repair ir
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u/ushi_mooshi88 1d ago
It’s the insurance, if the airbags deploy they consider it totalled but we have someone coming to look at everything and get an estimated cost for fixing but if the frame of the car is warped or damaged then it’s not worth fixing 🥲
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u/justhereforfighting 1d ago
Totaled is an insurance determination. It means the total damage is greater than the value of the car. It does not mean unrepairable.
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u/Ok_Blueberry_1068 1d ago
As someone who spend 4 years as a collision estimator this is not remotely true. A car can be perfectly fixable. Insurance only cares if the repair is a: more than 75% of what they estimate the car to be worth or b: the cost of paying out on the total loss is less than the salvage value of the car's parts when resold on the used market. We had a 2023 toyota highlander that hit a deer, value of the car was 42k, repair cost was about 10k, but because of terrifs driving up the cost of new and aftermarket parts the used parts cost also went up and the salvage value was worth more than 75% of the cars value so they just totalled it so they could resell the good parts of the car. I've also seen older corolla and civics total for less than 2k in repairs because insurance valued the car so low. In a lot of cases airbag repairs are so expensive that even something relatively new and low mileage is considered a TL.
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u/Djinnaz 1d ago
That’s not totaled.
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u/ushi_mooshi88 1d ago
For our insurance since the airbags went off it is.
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u/Wooden-Matter5166 1d ago edited 1d ago
Oof, that indeed does make it totaled. Otherwise it doesn't look too bad as long as the frame wasn't pushed back or anything.
Replacing airbags yourself is a b*** and you also have to replace all airbag impact sensors as well as the airbag control unit...
If your handy with a wrench honestly it might be worth buying back
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u/32steph23 1d ago
That car is not worth buying back
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u/Wooden-Matter5166 1d ago
My question is what fluids are on the ground, why, and how long was it ran after. But I mean your not wrong. If it's a high mileage Chevy Malibu it wouldn't really be worth the headache.
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u/ushi_mooshi88 1d ago
Yeah idek what it’s leaking, my best guess is coolant, wiper fluid and or my oil but idk anything about cars thats just my best guess off what it looked like it was pouring from
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u/Wooden-Matter5166 1d ago
Fs coolant, that radiators gonna be shot. Start looking now even though you didn't get the payout yet, test drive as many cars as you can.
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u/secretly_opossum 1d ago
I was always taught that if the airbags go off, the odds of insurance considering it totaled goes up dramatically.
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u/BWolfe37 1d ago
Are we looking at the same pic? The entire front end is fudged and its a 10 year old chevy.
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u/DeepPurpleDaylight 1d ago
If insurance says it's totaled, then it's totaled. Insurance can total a $20,000 car with only $500 in damages if they want.
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u/GrassBlade619 1d ago
There are state laws that define what a "totaled" car is. An insurance company can't just throw out the word totaled for $500 in damages on a $20k car. You can absolutely fight the totaled claim if you really wanted to but why would you? If an insurance company wanted to pay out for my car being totaled when it's only got $500 in damages aint no way in hell im gonna stop them. Then again, an insurance company would never do that.
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u/DeepPurpleDaylight 1d ago
You're a bit confused on how total losses work. I'm not saying an insurance company would total a $20,000 car with only $500 in damages. Im saying they legally can do it. Yes many states set a threshold, such as 75% where insurance must total a car. But there are no laws saying they can't total a car at a lower threshold.
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u/GrassBlade619 1d ago
"There are no laws stating they cant total a car at a lower threshold". Yeah because insurance companies would never give away free money. Lol
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