I had a serious car accident today, and now what with my BRZ?

[Tcoat]

Originally Posted by ka-t_240

None of my friends have liability

Sounds like the start of a country song!

[Tcoat]

Originally Posted by spagti

I posted more details in the other thread about this, but this car looks almost exactly like mine did when I bought it from salvage. It cost me about $3000 to fix it, minus paint. That was restoring it to stock and the only non-OEM parts are the radiator and condenser. The rest was either new from Subaru or second hand from here.

I had no frame or suspension damage and the engine itself was totally fine minus the intake and several things near it being destroyed.

Don't know for sure but my guess is that the OP does not have the resources or ability to repair himself. It is really simple to say "just do it yourself" but the number of people with everything needed to do this is pretty low.

[GrantedTaken]

Originally Posted by computeruser

That’s one possible word for it.




Given how little insurance costs, it baffles me why someone would go without. .

It's called "math".

Insurance is a very profitable business.
Otherwise they wouldn't do it.
You're on the sucker end of that deal

The deck is always stacked in favor of the house.
If your insurance is cheap, actuary has determined you're unlikely to make a claim, statistically speaking.

Over time, you will lose. That's why they make a profit. Basic.

Poor people need insurance, and stay poor.
Rich people self Insure and are basically in the insurance business themselves. Profit.

[GrantedTaken]

Originally Posted by Tcoat

Don't know for sure but my guess is that the OP does not have the resources or ability to repair himself. It is really simple to say "just do it yourself" but the number of people with everything needed to do this is pretty low.

I'd op is dumb enough to not have $25k in cash, which is why he skipped insurance, then it's a safe bet he can't fix things either .

[GrantedTaken]

Originally Posted by ka-t_240

None of my friends have liability only on their nice/newer cars. Comp is too cheap to not have.

Then they can't afford those cars.
Typical.

Comp is NEVER cheap.
NO insurance is cheap.
Stupid people think insurance is cheap.
Because statistics.

Even If your comp is $1 that's still profit for the insurance company, because expected value. If you make a claim, your rates will be adjusted to your new risk profile. Evens out in the end, or the insurance companies would not exist.

[ScoobsMcGee]

Originally Posted by GrantedTaken

Then they can't afford those cars.
Typical.

Comp is NEVER cheap.
NO insurance is cheap.
Stupid people think insurance is cheap.
Because statistics.

Even If your comp is $1 that's still profit for the insurance company, because expected value. If you make a claim, your rates will be adjusted to your new risk profile. Evens out in the end, or the insurance companies would not exist.

Have you ever posted under the name Twin-Dragons?

[GrantedTaken]

Originally Posted by ScoobsMcGee

Have you ever posted under the name Twin-Dragons?

No, but there are many financially savvy people out there.

Rich people don't waste money on excessive insurance. Insurance feeds off the poor.

Extended warranty
Travel insurance
Wedding insurance
Aflac
Cell phone insurance

All stuff that makes the poor pay even more..

[spagti]

Originally Posted by Tcoat

Don't know for sure but my guess is that the OP does not have the resources or ability to repair himself. It is really simple to say "just do it yourself" but the number of people with everything needed to do this is pretty low.

Yeah that's true, but to be fair I did it in my little garage buying harbor freight tools as needed and it was my first time ever doing something like this. But I also wanted to do this and even though I'm not a super experienced mechanic, I have pretty much always fixed my own cars because I couldn't afford to pay someone else.

[Sgaldi]

Man that’s sucks , I just bought a 2018 and would shit if that happened, hope you can find a way to get it fixed up for a decent price

[ScoobsMcGee]

Originally Posted by GrantedTaken

No, but there are many financially savvy people out there.

Rich people don't waste money on excessive insurance. Insurance feeds off the poor.

Extended warranty
Travel insurance
Wedding insurance
Aflac
Cell phone insurance

All stuff that makes the poor pay even more..

I suspect you two would have gotten along very well.

[p1l0t]

Just slap a body kit on there.

Sent from my SM-G975U using Tapatalk

[evomike]

Originally Posted by spagti

I posted more details in the other thread about this, but this car looks almost exactly like mine did when I bought it from salvage. It cost me about $3000 to fix it, minus paint. That was restoring it to stock and the only non-OEM parts are the radiator and condenser. The rest was either new from Subaru or second hand from here.

I had no frame or suspension damage and the engine itself was totally fine minus the intake and several things near it being destroyed.

his car and the car you bought aren't even remotely close to having the same damage, his car is way worse and has frame damage. best bet is to buy a flood damaged car and swap all your good components over or tow it home and part out every good part and scrap the shell.

[maslin]

Originally Posted by p1l0t

Just slap a body kit on there.

Sent from my SM-G975U using Tapatalk

[Dadhawk]

Originally Posted by GrantedTaken

Then they can't afford those cars.
Typical.

Comp is NEVER cheap.
NO insurance is cheap.
Stupid people think insurance is cheap.
Because statistics.

Even If your comp is $1 that's still profit for the insurance company, because expected value. If you make a claim, your rates will be adjusted to your new risk profile. Evens out in the end, or the insurance companies would not exist.

Assuming you own one, do you have insurance on you home or do you self-insure that as well?