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Old 02-10-2013, 07:15 PM   #1
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My poor lady.

My car was stolen last night and they found her this morning. My insurance doesn't cover this because I have basic insurance and I still have 10 payments left.


What do you guys think I should do?
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Old 02-10-2013, 07:17 PM   #2
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Holy crap! So sorry to hear that happened to you :f, I'd be rolling around town with a shotgun doing my own investigation lmao! Goodluck with everything
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Old 02-10-2013, 07:19 PM   #3
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NOOOOOOOOOO. Dude I am so sorry I feel so bad. Wish you the best of luck with another stang man. Even though it won't be the same
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Old 02-10-2013, 07:19 PM   #4
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I'm kind of confused tho, you said your insurance doesn't cover it cuz you have basic insurance but your still making payments for the car? I thought when your financing and making payments you MUST have full coverage because its technically not your car till its paid and he title is signed, than you can do what you wish with the insurance
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Old 02-10-2013, 07:22 PM   #5
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Yea I bought it from a buy here pay here and they accepted basic and me being the cheap ass that I am opted for that. I have a guy coming to look at it tomorrow and he said it looked fixable. Part of me wants to just let it get repoed and part of me wants to fix it ;(
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Old 02-10-2013, 07:24 PM   #6
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Old 02-10-2013, 07:27 PM   #7
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Quote:
Originally Posted by Ckennedy121 View Post
Yea I bought it from a buy here pay here and they accepted basic and me being the cheap ass that I am opted for that. I have a guy coming to look at it tomorrow and he said it looked fixable. Part of me wants to just let it get repoed and part of me wants to fix it ;(
How much cash you got into it so far?

---------- Post added at 08:27 PM ---------- Previous post was at 08:25 PM ----------

I'd imagine if you let it get repoed, they might bring you to court for all the damage I'm not exactly sure how that works tho
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Old 02-10-2013, 07:27 PM   #8
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Originally Posted by NJstanger View Post

How much cash you got into it so far?
Almost 4 grand and I owe about $2300 still
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Old 02-10-2013, 07:28 PM   #9
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Almost 4 grand and I owe about $2300 still
Hmmm that's a big decision, do a lot of thinking, after a guy comes to asses the damage that is
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Old 02-10-2013, 07:30 PM   #10
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I wish you lived by me I'd probably buy it from you...
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Old 02-10-2013, 07:32 PM   #11
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Hmmm that's a big decision, do a lot of thinking, after a guy comes to asses the damage that is
I drove it and its still running fine. No shakes vibrations or anything. I have another car that's been sitting since December that I'm thinking about retagging/insuring and slowly fixing the mustang. Perhaps get the frame banged out, buy the replacement parts then finally fully repaint. I'm gonna wait to see what the body mechanic says and if he can work with me on pricing and payments which the guy who sent me to him said he would. He was also backed up by 4 other people for his work.
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Old 02-10-2013, 09:33 PM   #12
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Basic insurance doesn't cover theft ?? thats BS
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Old 02-10-2013, 09:38 PM   #13
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Basic insurance doesn't cover theft ?? thats BS
Basic insurance in Florida is just PIP personal injury protection. I'm going to call them and see if there is annnnnnything they can do but I'm about 98% sure I know what's they are going to say. I'm also going to see how much it will cost to make some changes in the future
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Old 02-10-2013, 09:41 PM   #14
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Quote:
Originally Posted by Ckennedy121 View Post

Basic insurance in Florida is just PIP personal injury protection. I'm going to call them and see if there is annnnnnything they can do but I'm about 98% sure I know what's they are going to say. I'm also going to see how much it will cost to make some changes in the future
I hope the police catch whoever did it... That would be the only way to recoup any thing... Sue the perps.
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Old 02-10-2013, 09:42 PM   #15
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I hope the police catch whoever did it... That would be the only way to recoup any thing... Sue the perps.
I'm probably being negative but I don't think they will find anyone and if they do I'm sure I won't get any compensation out of them. Ill keep you guys posted! Thanks everyone
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Old 02-10-2013, 09:49 PM   #16
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If basic insurance doesn't cover theft then what does it cover?
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Old 02-10-2013, 09:50 PM   #17
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If basic insurance doesn't cover theft then what does it cover?
Injury. I could be wrong ill find out more tomorrow
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Old 02-10-2013, 09:50 PM   #18
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If basic insurance doesn't cover theft then what does it cover?
Personal/Collision to the other party I believe.


OP, what provider do you use?
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Old 02-10-2013, 09:54 PM   #19
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Quote:
Originally Posted by nhcowboy View Post

Personal/Collision to the other party I believe.

OP, what provider do you use?
+1
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Old 02-10-2013, 09:57 PM   #20
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Quote:
Originally Posted by NJstanger View Post
Holy crap! So sorry to hear that happened to you :f, I'd be rolling around town with a shotgun doing my own investigation lmao! Goodluck with everything
+10000000001. I still wouldn't be home. I'd be layin in the bushes somewhere duck commander style, just waitin. The whole town would know my name.
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Old 02-10-2013, 09:59 PM   #21
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Your only option is to part the car out and you'll have to eat the rest.

How did it get stolen?
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Old 02-10-2013, 10:00 PM   #22
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+10000000001. I still wouldn't be home. I'd be layin in the bushes somewhere duck commander style, just waitin. The whole town would know my name.
Lmao!!!! We love our cars oh so much
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Old 02-10-2013, 10:06 PM   #23
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Lmao!!!! We love our cars oh so much
Yes we do. It'd be no different than takin my wife or kid. I'd be like, if its money you want, I don't have any, but what I do have is a very particular set of skills that make me a nightmare for someone like you. Then I'd hunt their a** down. I'd prolly put a sign in my yard too that said, u better have enjoyed it. Give your heart to god cause your a** belongs to me. Lol
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Old 02-10-2013, 10:13 PM   #24
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Yes we do. It'd be no different than takin my wife or kid. I'd be like, if its money you want, I don't have any, but what I do have is a very particular set of skills that make me a nightmare for someone like you. Then I'd hunt their a** down. I'd prolly put a sign in my yard too that said, u better have enjoyed it. Give your heart to god cause your a** belongs to me. Lol
Nice movie quotes lol. Taken and full metal jacket
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Old 02-10-2013, 10:20 PM   #25
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Holy crap! So sorry to hear that happened to you :f, I'd be rolling around town with a shotgun doing my own investigation lmao! Goodluck with everything
**** the shotgun, you need something with distance if they try and run... Preferably something with a .308
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Old 02-10-2013, 10:30 PM   #26
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Nice movie quotes lol. Taken and full metal jacket
Lol. Yes! Both very fitting in this thread. I'd be gearing up like Schwarzenegger in commando. Y'all ever seen next of kin? If not, watch it. I'd be just like that. My whole family loves my car.
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Old 02-10-2013, 11:50 PM   #27
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It will be cheaper 2 just get a new one look at my pic and I have a parts car and after u get the parts u stell have no frame and u will have 2 cut out the floorboard and get it strate u wood be better off by parting it out if u do I wood like 2 know I need sum more parts
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Old 02-10-2013, 11:51 PM   #28
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I know it's hard but you might have to part her out. What would she want to have happen? Lol
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Old 02-11-2013, 12:42 AM   #29
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There's no fixing that properly or economically. Yes I know anything can be prepared, but it would cost so much. When you inspect it you'll find stress cracks all over. I'm surprised you were able to finance it without full coverage. I would never run flat base coverage. I pay less than 2$/ month for theft coverage.
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Old 02-11-2013, 05:36 AM   #30
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OP, sorry to hear of your loss...

Quote:
Originally Posted by primer2tone View Post
Your only option is to part the car out and you'll have to eat the rest.
He cannot legally part it out, or sell it, because he does not own it--until the remaining loan balance of $2300 is paid it belongs to the lien holder (presumably BH/PH dealer). And that is the saddest part, he still owes the $2300 regardless of what path is followed, and repairs will likely cost far more than that.

That said he might be able to part it out on the QT and use the money to make the loan payments. Or sell it as is, likely at a loss as it is not worth $2300, and make the seller aware they will have to work with the dealer to get the title, by paying off the loan with whatever he can sell it for plus some cash.

============================================
FWIW "Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL)"--from the Florida Department of Highway Safety and Motor Vehicles website.
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Old 02-11-2013, 05:51 AM   #31
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This is why I have no respect for criminals. You work hard to earn something and in the blink of an eye, it's gone. These ignorant pigs take what they want and will never earn anything.
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Old 02-11-2013, 06:21 AM   #32
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It just occurred to me, how did they get by the PATS?

Unless the PATS is disabled in the tune our cars will not run without a programmed key, and there is no amount of jimmying the ignition lock or hot wiring that can change that.

That is why theft insurance is relatively cheap for PATS equipped cars...
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Old 02-11-2013, 07:02 AM   #33
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It just occurred to me, how did they get by the PATS?

Unless the PATS is disabled in the tune our cars will not run without a programmed key, and there is no amount of jimmying the ignition lock or hot wiring that can change that.

That is why theft insurance is relatively cheap for PATS equipped cars...
+1 I was reading this and almost asked the same thing until I scolled down and saw cliffys reply. Somethings not right
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Old 02-11-2013, 07:43 AM   #34
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That really sucks.
I'm not saying take vigilantly justice, but I would be bounty hunting someone right now. Just take it in stride though, things happen for a reason and something that is just as powerful for the good will happen. Life is funny like that.
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Old 02-11-2013, 04:17 PM   #35
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I cried a little seeing this. I'd honestly part it out with our telling the finance company and than pay it off and bite the loss. When you get the title just forget about it.
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