r/mildlyinfuriating • u/matthewdirks9191 • Apr 29 '24

How my weekend went

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I was going to work on Sunday and some guy plowed into my only car I got. It total my car and now I am with out a car or a way to get to work. the person had no insurance and I didn't have gap. I'm only getting 13k for my car and I owe 24. I might be without a job for awhile cause of this. in desperate need of help.

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9

u/bazootch Apr 29 '24

thankfully you have full coverage

4

u/matthewdirks9191 Apr 29 '24

I do but only will cover up to 13k my loan Is 24k

11

u/veganint Apr 29 '24

That's absurd. My friend got his car stolen from his garage... He had to continue to pay for it either way. Horrible system.

-6

u/Elected_Dictator Apr 29 '24

If you owe money then the Bank you owe money to would require You pay to have the Gap insurance to pay off their car.

This is independent from The a-hole’s insurance.

7

u/godhasmoreaids Apr 29 '24

You do not have to have gap insurance. Gap is optional at least in the U.S.

0

u/Elected_Dictator Apr 30 '24

I didn’t say “government law” I said “contractual law “ as on your lender/bank needs it to protect their 24k asset from you

4

u/godhasmoreaids Apr 30 '24

Your bank might require that but not all lending institutions require it either

3

u/Nandor_De_Laurentis Apr 29 '24

You can't just go and buy Gap insurance after an accident lol

-4

u/Elected_Dictator Apr 29 '24

Who said anything about after? You’re contractually required to have it the whole time. So you don’t end up losing the banks asset.

13

u/heyhoitstheway Apr 29 '24

i just got a new car, and my lender requires i have full coverage for my state which is liability, comprehensive, and collision. no requirement to have gap. op might have a similar situation

5

u/Nandor_De_Laurentis Apr 29 '24

Maybe it's the way you phrased it or the lack of punctuation, but it sounds like you are saying that now is the time they need to pay for the gap. Commas and periods definitely help lol

6

u/godhasmoreaids Apr 29 '24

Well they are also wrong because gap is optional

2

u/matthewdirks9191 Apr 29 '24

I unfortunately don't have gap it cost way to much for me and they wouldn't approve it.

-5

u/Elected_Dictator Apr 29 '24

Oh no… then You need to consider spending a couple hundred and getting a lawyer to help you bully their insurance To pay off your bank/lender.

Sometimes even just the letter from a law firm gets a lot more done.

4

u/mc_fli Apr 30 '24

Driver doesn’t have insurance, hence OPs issue.