Washington resident Alan C. was devastated to find his Toyota had been totaled after a car next to it had exploded. Under the Reddit username LaughablyMorose, Alan shared a video on r/Wellthatsucks, showing the tragic damage to his vehicle: its entire right side charred by the fire. The situation gets worse, as he described that neither the car owner nor his insurance covers all of his loss.
For context, the reason Alan’s Toyota wasn’t covered under the other car owner’s policy was that the provider found them not liable for the fire, and he claims he only has liability, not full coverage. “The saddest part? She was 18mi from 250,000… it was almost her birthday. RIP Netty,” he wrote mournfully. Over a thousand people upvoted his post in support, with over a hundred sharing their thoughts in the comments.
“It’s a Toyota, all you need is a couple new windows and she will run for another 250k,” remarked a commenter, with over half a thousand people upvoting in agreement. While the comment was meant to be a joke, many took it as an opportunity to point out how resilient a Toyota could be after undergoing damage. Unfortunately, Alan’s response brought those hopes to an end over his car’s particular situation.
Without Insurance, OP Believed There Was No Way to Recover His Toyota
“She did still turn on, but after a car has been on fire, it’s totaled,” he wrote, explaining how the fire had likely done internal damage to the car’s frame, wires, and components as well. “Besides, new doors would cost as much as I bought her for,” he added. “You could say he got burnt,” joked a commenter.
Many couldn’t believe that the other person’s insurance didn’t cover OP. Though as unlucky as the incident turned out, things were, as a commenter put it, “he took a gamble to get a lower premium and lost.” Another person chimed in to explain, “Unless you can prove it was some failure in maintenance, it’s a no-fault loss under comprehensive coverage.”
On the bright side, Alan points out that he’s saved over $10k over the past eight years by not paying for comprehensive insurance, not to mention that he claims he wouldn’t have gotten more than $3k plus the deductible. “I’m still coming out of this ahead,” he expressed positively.
