Not a good week for my son

fishgutzy

fishgutzy

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It was bad enough that a few days ago he got rear ended by an idiot that wasn't paying attention.
His insurance kept delaying send out the adjuster.
Then last night, on his way home from work, a latent brake failure, due to the accident, occurred at a stop sign. He couldn't stop and got t-boned.
Doesn't matter why he couldn't stop. He will still be found at fault.
Hopefully he can prove it was a brake failure due to the 1st accident.
But what he was most worried about was not being able to come home for Christmas. He is in Tampa now.
No injuries just bent metal.

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HMP said:
At least he's not hurt.
And it's not a crazy porn star girlfriend or drugdealers/rappers robbing him this time etc
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Indeed.
I am grateful that he survived that crazy chapter.
He found his path. He is a natural salesman.

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Crappy week for sure but as HMP said, at least he wasn't hurt. Cars can be fixed or replaced but a son can't. Hopefully insurance won't go up too much. There's more the just cars to get home for Christmas..
 
Sorry that happened. I think the insurance company should have had him take his car straight to a repair facility for evaluation and paid for a rental.

At this point, in order to prove or even get reasonable suspicion as to the cause it’s going to require forensic analysis and not by the insurance company or their agents. Then you would likely have to sue them for the damages and petition to have the traffic citation cleared. This is likely too much of an uphill battle.

Maybe you should have a conversation with him along the lines of should this happen again, don’t drive a damaged car, get a rental or take an Uber. What happened to him will cost more than that, which would likely get covered in the end anyway.
 
SPST said:
Wonder what the common denominator is for all the stuff that happens to him. One would have to work pretty hard to get into all the mess he has.
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Ahh...gotcha. It’s all his fault, even now.
 
B00ger said:
Ahh...gotcha. It’s all his fault, even now.
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Got rear ended an d it damaged his brakes? Not a whole lot of brake components in the trunk. How long did he drive after the "accident" did it take for the brakes to fail?
 
SPST said:
Wonder what the common denominator is for all the stuff that happens to him. One would have to work pretty hard to get into all the mess he has.
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B00ger said:
Ahh...gotcha. It’s all his fault, even now.
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And yet he keeps trucking on.
Good for him to keep moving forward thru life and learning.
Seems to me he is now headed in the right direction.
 
Sometimes stuff just happens. I'm out a grand just for car repairs across three different vehicles during the last 5 weeks.

It's how you react to the lemons thrown your way. Some make better lemonade than others.


Some stuff is self inflected. Y'all know what I'm talking about.

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You guys are amazing. Our friend comes in here to vent about his >son< having a crap week and instead of just saying “keep your head up” at best or responding with silence at worst y’all start with the:

“Nah, this is fishy man.”

And the “Probably his fault because he seems like a sketch dude.”

Of even best “No comment that would be well received” which is specifically saying “I’m about to be a major A-Hole but won’t so i’ll just let y’all know I am semi-silently.”

Keep it up, stay classy.
 
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SPST said:
Not blaming him, just highly suspicious because of his history. The brake story sounds fishy to me. Glad no one was injured.
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Sure thing.
 
B00ger said:
You guys are amazing. Our friend comes in here to vent about his >son< having a crap week and instead of just saying “keep your head up” at best or responding with silence at worst y’all start with the:

“Nah, this is fishy man.”

And the “Probably his fault because he seems like a sketch dude.”

Of even best “No comment that would be well received” which is specifically saying “I’m about to be a major A-Hole but won’t so i’ll just let y’all know I am semi-silently.”

Keep it up, stay classy.
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As a parent I don't want other people blowing smoke up my butt. Sometimes we know it's fishy and need others to tell us the truth so we ain't blinded by loving our kid. Hell im glad he's all right and not taking a dirt nap and hope he has a better week. Still brake failure seems fishy to me at best.
 
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Cowboy said:
As a parent I don't want other people blowing smoke up my butt. Sometimes we know it's fishy and need others to tell us the truth so we ain't blinded by loving our kid. Hell im glad he's all right and not taking a dirt nap and hope he has a better week. Still brake failure seems fishy to me at best.
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Sure thing bro.
 
SPST said:
Crap just follows that kid around? Makes one wonder?
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Between 17 and 21 the only luck I had was bad luck. Wrecked 3 cars(all were me getting hit), got laid off( unexpectedly, came into a locked up shut down work), my dad got sick for the first time, then my mom got sick for the second time, was broken into( was living in a really nice neighborhood), bought a home just to have a pipe brake and do 20,000.00 worth of damage.

But good things happened to, I met my wife, at 22 I had my son, found a great job that got me to the career I'm in today. Spent more time with my parents, that help me and my dad mend our relationship from when I was a dumb teenager.

The kid is on a path of his own and I am not one to judge. People who have never lived don't have good stories......
 
When my daughter was young she got into more trouble then you could imagine. I could spend all day here with the stories of what she was involved in. We used to make excuses and we kept saying "she was hanging around with the wrong crowd" Then one day we opened our eyes and realized she wasn't hanging with the wrong crowd "she was the wrong crowd"
 
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Rear ended causing a brake failure is odd.

Yet my son had a minor incident and the brakes failed a week later. When I did the repairs the brake line was rusting from the inside out. I’d never seen it before.
Gutz, we’re glad he’s ok and just frustrated.
 
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@fishgutzy, it sounds like he just needs experience or a crash course in risk avoidance in all things. For example, if the first accident was bad enough to damage brakes he should have known to have the car checked out. But he's young, tall and bulletproof. He'll learn. You just need to speed up his learning curve so he doesn't get seriously hurt physically or financially.

My brother hauled ass to Tampa when he was about 19. Lived a serious life of debauchery and risk for a few years. Made it out alive and survived. Hope your son can do the same.
 
No injuries.
But his insurance company is going to screw him. They are going to base the value on the condition after the 2nd accident, not on condition before the first accident, or even after repair.
So essentially only salvage value. A lot less than he owes.
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Bummer that he’s having a bad week, you should us some China miles and hook him up with a flight home for the holidays.
 
JimB said:
Bummer that he’s having a bad week, you should us some China miles and hook him up with a flight home for the holidays.
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If I have enough miles for him and his girlfriend, I will do that.
Mileage seats tend to be in short supply around holidays.

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fishgutzy said:
No injuries.
But his insurance company is going to screw him. They are going to base the value on the condition after the 2nd accident, not on condition before the first accident, or even after repair.
So essentially only salvage value. A lot less than he owes.
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With no estimate for the first accident will his insurance just total it and he gets nothing from the first accident?
 
fishgutzy said:
No injuries.
But his insurance company is going to screw him. They are going to base the value on the condition after the 2nd accident, not on condition before the first accident, or even after repair.
So essentially only salvage value. A lot less than he owes.
0b92e808ee1015f4954aaf294f16d920.jpg


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Jeez, that stinks. I hope he’s got gap insurance.
 
Why did they delay sending adjuster out?
Did he take pictures of the first collision (or, rather, resulting damage)?

By your post, he had contacted the insurance company about the first collision, that's on record, right?
How can they sort of dismiss the first one and screw him over?
I mean, Im sure they can and will do whatever they can to get out of paying more money, but surely there's something yall can do to fix this, right?

I know Im saying that, and it's hard/almost impossible for you to help being 10k miles away, but surely something CAN be done to right this wrong.
 
Also, do you have pics from the first accident, how bad was it?
 
It’s not clear to me that he’s getting screwed. If insurance A pays $10k for the rear and then insurance B pays for the totaled car less $10k then he gets everything he’s entitled to. If insurance B based their payout on the value before the first accident he’d be getting paid twice for the first accident damage.

If he’d gotten the repair done for the $10k, or been driving a rental, then presumably no second accident and he’d be in a better situation. He could maybe have gotten into that by filing with his own insurance, but he didn’t and it’s hard to fault him since I also try not to involve my insurance until the other driver or company proves difficult in some way.

Of course if the 1st accident was bad enough to cause a brake problem the car might have been totaled just from that damage and he’d be in the same place he is today.

I sympathize with the him for the difficulties associated with losing the car and maybe still owing on it, but not enough facts to determine if he’s getting what he contracted for from insurance or if he is getting screwed. My suggestion would be to ask his insurance company to pay the entire claim amount and then get back what they can from the driver in the first accident through subrogation.

By the way, all these stories remind me of my brother, bad stuff follows him like a cloud. Even stuff that has nothing to do with any decision he made. He is the only family member to get cancer. Mom had some snack foods shipped out for Christmas, his arrived moldy. There are hundreds of these, it’s just the way it is for him.
 
Sorry this is happening to him and glad he is ok.
 
HMP said:
Also, do you have pics from the first accident, how bad was it?
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From the looks of the right side of the car as posted, no brake line damage could have been created in the first wreck due to design and build. The brake lines are routed under the vehicle, tucked up tight to the body. Which then branch out to the wheels, forward of centerline of rear axle/spindle.

The rear of the car damage would have to buckle the main body area pretty significantly in order to wrinkle, much less kink the hard lines. The picture doesnt show any of that type damage. Plus the rear lights would be knock out along with the rear glass.
 
I missed the pornstar girlfriend thing. Good luck to him. Hope it gets cleared up.
 
Glad he is okay, but catastrophic brake failure sounds fishy. If nobody was hurt, hell, it's just a damn car; it's something nobody will even think about in the next few years. Life is made from hardships, and this one ranks pretty low in the grand scheme of things.

JimB said:
By the way, all these stories remind me of my brother, bad stuff follows him like a cloud. Even stuff that has nothing to do with any decision he made. He is the only family member to get cancer. Mom had some snack foods shipped out for Christmas, his arrived moldy. There are hundreds of these, it’s just the way it is for him.
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Yep, I know a few folks like this, and we call them "sh*t hooks" because they seem to catch all the crap. Funny part is, is that these are usually the most happy-go-lucky folks you'll meet, that seem to take all their licks in stride.
 
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