Today, I finished installing a brand new engine in my old car. It cost just over $6000. Later, I was waiting at a red light and an uninsured drunk driver smashed into it head on. It's completely totaled. I got to drive it 5 miles. The car is worth $1000, even with a new engine. FML
Collection
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
Same thing different taste
Today, I paid $2300 to a mechanic for fixing my car. It's also the day I got into an accident and totalled said car. FML
Stick to sidewalks
Today, after my car got stolen and flipped on its roof three months ago, making it an insurance write-off, and getting a new car a week ago, a drunk driver crashed into my parked car, writing it off. In both instances the drivers were thankfully OK, it's just my insurance premiums skyrocketing, no biggie. FML
Back to public transport
Today, I got the repair estimate for my car. It's going to cost me $3,000 to rebuild the front end. It was wrecked because a couple decided to have a lovers' spat in the middle of the freeway. I had that car for exactly four hours. FML
Today, my car was totaled. It was so new, I haven't even made the first payment on it yet. FML
Ouch
Today, accustomed to dealing with my old car's faulty accelerator, I pressed the pedal way too hard in my new car and crashed into a pillar, totaling the engine, and giving myself a concussion. I could still see the dealership down the street. FML
And then.....
Today, I bought my very first car that I spent years saving for. A few hours after I signed all the papers, I let my boyfriend go for a test drive. He totaled it. FML
Today, I had the lovely experience of witnessing a tow truck cause a couple thousand dollars' worth of damage to my broken-down car. FML
Today, I bought a new $10,000 car since my old one broke down. Today, I also found out the old one wasn’t starting because i never had it in park. FML
Today, I woke up to find the entire driver's side of my car wrecked. Front door, back door, front and rear bumper smashed to shit. A drunk driver had hit it the previous night and ran. Don't worry though, he stopped and left his insurance information. He keyed it into the undamaged side of my car. FML
Today, I hit a patch of black ice and totaled my car. The car is a month old. For the next 5 years I'll be paying for a car I can't drive. FML
Top comments
Amkii 0
:( Ugh. I'm sorry. Your insurance should cover most of it, right? This is why we need to have stricter rules in the US about drunk drivers... esp. uninsured ones!
spiderman0606 0
Dude, if he doesnt have insurance that automatically means it's his fault (although it is his fault) and he has to pay for everything. But fyl until everything is taken care of.
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Comments (91)
g_love_glove 0
Just adding another "YDI for bad economics" comment. $6k will get you a used car that will be better than putting a $1k car that you spent $6k on (and is still worth $1k). @28, yes all cars depreciate in value, but your argument only works for brand new cars. Brand new cars lose lots of value immediately, but the rate of depreciation slows down as it ages. Buy a $20k car today and it's worth $15k next year, buy a $6k car and it's worth $5k next year (assuming an uninsured drunk driver doesn' t hit your first). So if OP had just bought a $6k used car it would have been in much better shape than wasting $6k on his car that's only worth $1k.
blastvortex 4
Um, that was patently inane. You should have bought a new (or should I say used) car instead of replacing the engine. Buying a used car that merely needs some tuning or little additional work would have been more effective and less expensive. Laziness is a gamble with a price; unfortunately, you lost. The irony is that now you'll have to spend the time anyway, especially if you're intent on getting all your money back out of the bum. =/
kukopia 0
You MUST have the recipt for the engine. Show that to the insurance Co. That'll prove to them your car is NOT the average old car - because it has a new engine, it's worth a LOT more than the average car like it. Almost hate to say it, but you're gonna need a lawyer to fight the ins.co. for ya. Worse case scenario, pull the new engine and find a high-mileage car in decent shape to put it in. I sorta feel sorry for all the posters that don't know what's it's like to have a vehicle you're proud of for the things you did to it. I'm glad life isn't just about the math. P.S. Drunks SELDOM have $$ left after drinking for insurance or paying damages.
Truthbringer 0
fake
driedpeaches 0
even if your insurance doesn't pay, you can still sue the drive of the vehicle for the damage to the engine. You can't sure for the labor but you can prove the value of the engine.
coffeegal 0
Being hit by a drunk driver definitely wasn't your fault, and I'm sorry for that, but you should've never put that much money into a 1,000 dollar car. You could've bought another nice one for 6,000. But now you know.
gus3222 7
no it was worth 1000 AFTER the crash dummy
Erindub 0
Last time I was in an accident the other guys ins. co. paid me for any and all upgrades on my car. I believe they will at least compensate you for half the cost at very least. You just have to negotiate with his ins. co.
nightsrequiem 0
It's kind of hard to negotiate with his insurance company if he doesn't have one...
SheriffBart 0
That's because the relationship between you and the other guy's insurance company was one of tort victim to tortfeasor. That has ****-all to do with the OP's contractual relationship with his insurance company.
iplayrugby18 11
I can't believe some people can't figure this out...he put a $6000 motor into the car and the car was worth more until the accident which is now worth $1000.
FML_FYL_2009 0
Oh man... that sucks. All it takes is one asshole to ruin everything.
rangerx 0
This is a common trick done by the insurance companies. They must pay for the worth of the vehicle. Often that is done via the market price. But if you can show that it had a non-standard engine worth $6000, they must cover that, because the market price only covers the standard configuration of the vehicle.
SheriffBart 0
Just no. On so many levels.