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(Daily Mail)   Cool: Bagging a Groupon deal to drive a rare Ferrari for $50. Not Cool: Crashing into a BMW. Fark: Your insurance has a 'Never pay' clause in the fine print   (dailymail.co.uk) divider line 163
    More: Fail, Ferrari, Groupon, Religious Fanaticism, weight reduction  
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24686 clicks; posted to Main » on 04 Oct 2012 at 2:17 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-10-03 11:55:34 PM
pranging

Wot?
 
2012-10-04 12:00:43 AM
You must be stupid stupid stupid.
 
2012-10-04 12:17:45 AM
i.imgur.com

"In your policy, it quite clearly states that no claim you make will be paid."
 
2012-10-04 12:29:17 AM
Oh bummer... so the guy will just, what, file bankruptcy and be done with it? Izzat a thing in jolly ol' England?
 
2012-10-04 12:32:57 AM
That poor car :(
 
2012-10-04 12:34:43 AM

brianbankerus: Oh bummer... so the guy will just, what, file bankruptcy and be done with it? Izzat a thing in jolly ol' England?


It'll be debtor's prison for him!
 
2012-10-04 12:35:15 AM
Not sure how Switzerland works, but I would think anybody renting out Ferraris would require you to buy a short-term policy with their own insurance company.
 
2012-10-04 12:43:22 AM
What a wrecked Ferrari might look like: 
i2.photobucket.com
 
2012-10-04 12:49:46 AM

fusillade762: brianbankerus: Oh bummer... so the guy will just, what, file bankruptcy and be done with it? Izzat a thing in jolly ol' England?

It'll be debtor's prison for him!


Naw, but seriously.
 
2012-10-04 01:09:24 AM

fusillade762: pranging

Wot?


Heh.. that's a great word
 
2012-10-04 01:19:25 AM
So... Progressive, or Geico?
 
2012-10-04 02:10:42 AM
It's Cameron's fault. He should have stopped Ferris from taking the car out of dad's garage...
 
2012-10-04 02:21:03 AM

mr_a: Not sure how Switzerland works, but I would think anybody renting out Ferraris would require you to buy a short-term policy with their own insurance company.


The fine print in that contract would probably have been the same as the one in this guy's actual insurance, i.e., no speeding.
 
2012-10-04 02:21:33 AM
Its only invalid if he was speeding. And what are the chances of that?
 
2012-10-04 02:26:31 AM
Assuming the responders weren't completely inept...look at the ground. If indeed he was speeding, on slick roads...what a farking tool. You better have the skills to back up your idiocy or ANY RWD sport/muscle car will chew you up and spit you out.
 
2012-10-04 02:29:13 AM
Assuming the pics were taken soon after the accident, a 23 yo in a Ferrari in the farking RAIN is a disaster on wheels. I'm surprised he made it 15 minutes.
 
2012-10-04 02:30:27 AM
It's nice, but it's not as sexy as the Testarossa. Hell, not many cars are.
 
2012-10-04 02:31:02 AM
That'll polish right out
 
2012-10-04 02:31:58 AM
There was a similar Groupon deal in my area... But I passed on the chance to pay $500 for a very-likely accident.
 
2012-10-04 02:37:29 AM
I wonder who got fired for suggesting "You know what will bring in some extra money? Renting out this Ferrari for $50"
 
2012-10-04 02:42:15 AM

AverageAmericanGuy: It's nice, but it's not as sexy as the Testarossa. Hell, not many cars are.


I remember growing up how fast and absurd that car seemed. It's funny to think that my two-ton boat of a muscle car can outrun it in all aspects save for top end...and that's still close.

Pretty sure it'd still be easier to whip around the track, mind you...
 
2012-10-04 02:47:27 AM

Shadow Blasko: So... Progressive, or Geico?


Been with Geico for many, many years. Never had an at-fault accident with them, but have had cars hit by other people under that policy, glass damage, etc. Never a quibble about paying out. One they even me to go to a different (more expensive) body shop, because they had gotten too many complaints about the quality of the work at the one I had gotten a quote from.
 
2012-10-04 02:49:41 AM
My old man is a television repairman, he's got this ultimate set of tools. I can fix it.
 
2012-10-04 02:53:53 AM

Incetardis: Assuming the responders weren't completely inept...look at the ground. If indeed he was speeding, on slick roads...what a farking tool. You better have the skills to back up your idiocy or ANY RWD sport/muscle car will chew you up and spit you out.


THIS.

A tool in my AF unit inherited some money and blew most of it on a beautifully restored, souped up '72 Torino from the local hot rod shop. Totaled it within 3 days, messed himself up, and got an article 15 to boot.
 
2012-10-04 03:03:58 AM

clyph: Shadow Blasko: So... Progressive, or Geico?

Been with Geico for many, many years. Never had an at-fault accident with them, but have had cars hit by other people under that policy, glass damage, etc. Never a quibble about paying out. One they even me to go to a different (more expensive) body shop, because they had gotten too many complaints about the quality of the work at the one I had gotten a quote from.


My ex was hit two weeks ago by another driver. Both are insured by Geico. They are claiming that he never transferred his insurance to his new car (that he had for almost a year) and that she was not authorized to be driving the car she bought less than a month before. Her car, her insurance, her finance.

They are refusing to pay either claim.
 
2012-10-04 03:04:13 AM

clyph: A tool in my AF unit inherited some money and blew most of it on a beautifully restored, souped up '72 Torino from the local hot rod shop. Totaled it within 3 days, messed himself up, and got an article 15 to boot.


Correction, must have been a 71, since the 72 didn't offer the 428 cobra-jet. Details are hazy after 22 year, but I definitely remember the cobtra-jet engine, dude wouldn't stfu about it.
 
2012-10-04 03:05:34 AM
Damn, that's a shame. Not big on the Fords (Mopar or No Car) but the Torino's are farking beautiful machines if you like the land yachts.

I had some good practice on the Jeep in 2WD (rarely needed 4WD on the street) most seasons trying to tame Edmonton's shiat roads, but since she left the driveway and got replaced by the Challenger...it's learning all over again. Lots of 3am coffee trips with full ESP off (the tech savvy equivalent of "Bubba hold mah beer") to get the hang of things before the power adders come along. Already snagged a prototype ECU that disables torque management, and it's like driving a different vehicle.

Still, the more confident I get if it rains, I'm a total baby on the skinny pedal. Not worth the risk.
 
2012-10-04 03:16:06 AM
What moron rents out a Ferrari without making sure it's properly insured?
 
2012-10-04 03:19:20 AM

clear_prop: Assuming the pics were taken soon after the accident, a 23 yo in a Ferrari in the farking RAIN is a disaster on wheels. I'm surprised he made it 15 minutes.


to be fair, this is switzerland, where it rains more often than it doesnt.

swiss insurance in regards to driving is very hard core. the speed limits here are artificially low and there are radar boxes EVERYWHERE. people get these huge tickets for relatively light infractions... a colleague of mine got a 1600 CHF fine (CHF=1USD more or less) for going 16kph over the speed limit. For the americans on the thread, that's like a 1600buck fine for doing 75 in a 65 mph zone, like say on the freeway.

if youre in a motorcycle crash and youre not dressed appropriately, the insurance companies can deny portions of your medical bills. (ie, if youd been wearing armor and leather, you wouldnt need that skin graft, too bad, your fault, heres your 300,000 medical bill) and they can withhold wages till you pay it off.

based on these precedents, it wouldnt surprise me that the ins. would deny this kid if he was speeding. as such, his life is probably basically over financially for the next 10 years, provided he gets a six figure income. lower than that, even longer.
 
2012-10-04 03:21:35 AM
This is why people dislike insurance companies.
 
2012-10-04 03:27:08 AM

Incetardis: Damn, that's a shame


It was a sweet ride, while it lasted. I think half the reason he got an article 15 was because our CO and first shirt both loved muscle cars (CO drove a '66 Mustang convertible and the shirt had a Buick 442 he was restoring, IIRC)

The full story is actually much more epic. Obviously you generally can't just run out and buy a car like that off the lot. It was a long, drawn out process over the course of 2-3 months where he got the car, worked with the shop to rebuild it to his specs, had them redo shiat, etc. Blew one engine while he had it out on a test drive while they were still working on it, took a couple of weeks for them to replace that. And of course he would not stop talking about it the whole time, and he had his work area plastered with cobrajet shiat (models, posters, magazine clippings, you name it). It was a veritable shrine. Then FINALLY when it was done and he took final delivery it took him less than 72 hours to wrap it around a tree.

I couldn't tell you his real name now if my life depended on it. Everybody was calling him Sgt. Cobrajet long before he even blew the first engine, and that's how I will always remember him.
 
2012-10-04 03:33:42 AM
Ha! That's some good shiat.

I remember when we went for our little trip in the sand box in 2009 the car talk was much more depressing and favored rice. Lots of rice. Most of the guys came back to drain their accounts for Evos and WRX StTIs and the like.

That made me sad.
 
2012-10-04 03:38:21 AM
FTA: "Although baker Vogel had full insurance for the drive, small print says it would be invalid if he was exceeding the speed limit."

How exactly did Subby read that as "never pay"?
 
2012-10-04 03:39:30 AM

Incetardis: AverageAmericanGuy: It's nice, but it's not as sexy as the Testarossa. Hell, not many cars are.

I remember growing up how fast and absurd that car seemed. It's funny to think that my two-ton boat of a muscle car can outrun it in all aspects save for top end...and that's still close.

Pretty sure it'd still be easier to whip around the track, mind you...


Somebody has a wild imagination.
 
2012-10-04 03:47:37 AM
No, not really. Engine tech has come a long way in 20 years, and just because it's got a prancing horse on it doesn't mean it's the fastest shiat going. I've had the R/T to 60mph in 5.06 and quartered at 13.18 - Testarossas rate 5.3 and 13.5, respectively.

There's no need to bench race, here - just facts, man. Hell a 2011+ Mustang Gt - all 30 grand of it - will outright spank a Testarossa any day on any track and flat out murder in the 1/4 mile.
 
2012-10-04 03:50:37 AM

Shadow Blasko: So... Progressive, or Geico?


I've never had a problem with Geico.

Progressive however...almost two years ago I was rear ended by a woman who was insured by Progressive. I was at a stand still in heavy non moving traffic and she was not paying attention and rear ended me at 50mph. My car was totaled, I was the first of five cars that she took out, I had 9 broken bones, plus neck and head injuries. Medical bills came to over $40,000. My health insurance said "Car wreck, Progressive pays, not us." Progressive met with my lawyer and said "Okay, we will pay Great Janitor $28,000." My lawyer said "Your policy has a pay cap of $100,000. Great Janitor has over $40,000 in medical debt and lost the use of his right shoulder. I want the entire cap." It settled at $98,000. Then my health insurer put a hold on the settlement, making sure that they got paid first. The lawyer then argued with my health insurer to lower the debt, no luck. So I walked away with a little over $30,000.

I now work in the insurance industry. I've seen the never pay clause before and quite often. Typically it's hidden as an exclusion. The worst is life insurance policies. I've seen some that have so many exclusions that you realize it will never actually pay out, but people get these policies to protect them from the financial damage caused by an untimely death. Slimiest was the company that sold a cancer policy to a man who already had a policy and had cancer. The salesman said "This will pay out in the event of cancer death, paying your loved ones more money." Then on the first page of the policy "Does not pay in the event of cancer death." When suing an insurance company, the judge doesn't care about what the salesman told you when you bought the policy, what matters is what is in writing. The saddest part of all of this is that most people when they get insurance policies, rarely ever read them. Get car insurance, just put the proof into your car and go. Life insurance, almost every time I ask to see a would be client's current life insurance policy it is in their lock box (good) still in the shrink wrap (very bad). That's when I open it and go over the exclusions to show them what they are paying for and how unlikely their current policy is to pay out.

Now I'm out of the life insurance business and moved to health insurance. When Obamacare was passed some people cheered, some people complained, I got my license to sell health insurance.
 
2012-10-04 03:58:13 AM

Incetardis: Ha! That's some good shiat.


Oh it was. It was the stuff of legend. Never has a bigger piece of humble pie been served to a more deserving person.

Hadn't thought about Sgt Cobrajet for years. Good times, man. Good times. Thanks for the trip down memory lane, Fark.


Incetardis: I remember when we went for our little trip in the sand box in 2009 the car talk was much more depressing and favored rice. Lots of rice. Most of the guys came back to drain their accounts for Evos and WRX StTIs and the like.


Guy on my team at my last job was a ricer, into Z cars (Former Marine, btw). We were the only vets on the team so there was a lot of good natured interservice rivalry, but we always hung together. I always gave him shiat about his rice addiction, kept asking him when he was going to buy a real car. Friends don't let friends grind rice :)

Anyhow, about a year after we both left that job and went our seperate ways he finally stopped trying to turn his ricemobile into a real sports car and traded it for a Lotus. Sad thing was he could have probably gotten a Ferrari for what he sank into that Z over the course of a few years.
 
2012-10-04 04:05:29 AM
I like the Elise/Exige...but at 6'1 she's a tight fit. That's half the reason i went with the Challenger over the new Mustangs, which are without the doubt the best bang for your buck car available as far as performance. I just like the room/comfort/4 hooker trunk that Dodge bestowed on the boat.

Since I left the forces I joined the railway and we had a guy that qualified recently and of course, being 20 - thought job security was a sure thing. So he goes out and buys an EVO and a boost controller. Cranks it up an additional 12 or so PSI and blasts the shiat out of his engine. Mitsubishi knows exactly what happened - won't cover it. 12 grand engine replacement. 12 thousand dollars for a four banger! I can buy a whole new (fake) Hemi for 4 grand. The rods must be made of platinum and forged by dwarves.
 
2012-10-04 04:19:03 AM

Father_Jack: clear_prop: Assuming the pics were taken soon after the accident, a 23 yo in a Ferrari in the farking RAIN is a disaster on wheels. I'm surprised he made it 15 minutes.

to be fair, this is switzerland, where it rains more often than it doesnt.

swiss insurance in regards to driving is very hard core. the speed limits here are artificially low and there are radar boxes EVERYWHERE. people get these huge tickets for relatively light infractions... a colleague of mine got a 1600 CHF fine (CHF=1USD more or less) for going 16kph over the speed limit. For the americans on the thread, that's like a 1600buck fine for doing 75 in a 65 mph zone, like say on the freeway.

if youre in a motorcycle crash and youre not dressed appropriately, the insurance companies can deny portions of your medical bills. (ie, if youd been wearing armor and leather, you wouldnt need that skin graft, too bad, your fault, heres your 300,000 medical bill) and they can withhold wages till you pay it off.

based on these precedents, it wouldnt surprise me that the ins. would deny this kid if he was speeding. as such, his life is probably basically over financially for the next 10 years, provided he gets a six figure income. lower than that, even longer.


It's hard to believe that things are so absolutely opposite right next door in Germany, where 40-50kph over (on an appropriate freeway) is something like a 25 euro fine. I'm not saying I don't believe you, it's just mind-boggling that there's anyplace even more Nazi than America about arbitrary speed enforcement.
 
2012-10-04 04:20:10 AM

Incetardis: That's half the reason i went with the Challenger over the new Mustangs, which are without the doubt the best bang for your buck car available as far as performance


I looked at the new 'Stang when I had to retire my Eldorado. I knew I wanted a convertible in the 30k range, and the 'stang seemed to fit the bill. Unfortunately with a 500 mile/week commute thru mountains, I needed something that was going to be a good all-weather, high-mileage, low-maintenance daily driver that had a real back seat which would hold the Clyphlings. So i had to take a helping of (Kentucky) rice and got a Toyota Solara. o_0

No regrets, really... does exactly what I intended it to do; 165k miles with minimal service. Priorities shift when you're north of 40 and a dad. Shoulda kept the Eldo, but it was a luxury I couldn't afford at the time. I only drive them, I don't work on them.
 
2012-10-04 04:25:26 AM
Oh, you woulda loved the 5.0, my friend. It is just a monster at the top end. With a simple tune/cai the freight train once you hit 40.

But alas, you're a smart parent and have priorities! Good luck getting anything bigger than a pre-mee in the back seat of the Mustang.

Me? No kids. Don't want 'em and (for now) neither does the wife-to-be. So toys and savings. I really want to put a blower on mine but tuning isn't sorted out yet thanks to Chrysler locking out the ECU's, which is because of the diesel truck crowd making warranty claims after running their Cummins up to quadruple digit torque.

165k with nothing but oil changes and standard fare is great, though - hard to find these days with all the safety systems required of vehicles. People seem to forget how much weight that shiat adds, not to mention it has to be monitored constantly.
 
2012-10-04 04:26:21 AM

Shadow Blasko: My ex was hit two weeks ago by another driver. Both are insured by Geico. They are claiming that he never transferred his insurance to his new car (that he had for almost a year) and that she was not authorized to be driving the car she bought less than a month before. Her car, her insurance, her finance.

They are refusing to pay either claim.


File a complain with your state's insurance commissioner and attorney general ASAP. Will probably take a half hour to write, but you can practically copy-paste for the second complaint. Then pare the complaint down the the essentials and throw in some more emotion and heartache to your state and national reps, maybe BBB and even Consumerist for the lulz; you will get your money and you will get it fast.

The insurance commissioner is by far the most important, the rest are just backups in case that office blows you off.
 
2012-10-04 04:33:24 AM

Incetardis: But alas, you're a smart parent and have priorities! Good luck getting anything bigger than a pre-mee in the back seat of the Mustang.


It was enough of a fight to get the missus to agree to the Solara; only reasons she relented is that it can actually fit the whole family. She wanted me to get a Prius... I said not until they come out with a softtop version. The Clyphlings love to go cruising with the top down.
 
2012-10-04 04:37:44 AM

foxyshadis: Shadow Blasko: My ex was hit two weeks ago by another driver. Both are insured by Geico. They are claiming that he never transferred his insurance to his new car (that he had for almost a year) and that she was not authorized to be driving the car she bought less than a month before. Her car, her insurance, her finance.

They are refusing to pay either claim.

File a complain with your state's insurance commissioner and attorney general ASAP. Will probably take a half hour to write, but you can practically copy-paste for the second complaint. Then pare the complaint down the the essentials and throw in some more emotion and heartache to your state and national reps, maybe BBB and even Consumerist for the lulz; you will get your money and you will get it fast.

The insurance commissioner is by far the most important, the rest are just backups in case that office blows you off.


I'll pass that along to her.
 
2012-10-04 04:39:24 AM

Incetardis: Good luck getting anything bigger than a pre-mee in the back seat of the Mustang.


A lot of us grew up squirming into the back of our dad's cheap muscle cars. And later on, we grew up in other ways in them too, awkward as it was.

Incetardis: 165k with nothing but oil changes and standard fare is great, though


Oil changes are practically optional in J- and K-mobiles these days, and I'm sure it's similar on the A side. Even in my 2000 I'm barely getting them done once a year now - 40k miles or so. It eats oil, but a little top off every month and it's quite happy in between. (Same for coolant, but I'm 100% certain that's an itty bitty leak I just can't locate.) Oil grades are just so much better than it was even ten years ago, let alone 40; the worst conventional now is better than the best synthetic of years ago, aside from the recycled crap at Jiffy Lube.

I wouldn't pull that with a turbo, though.

Man, if Hyundai pairs the current Veloster Turbo with a double-clutch next year, I'll be in heaven.
 
2012-10-04 04:56:37 AM

foxyshadis: Father_Jack: clear_prop: Assuming the pics were taken soon after the accident, a 23 yo in a Ferrari in the farking RAIN is a disaster on wheels. I'm surprised he made it 15 minutes.

to be fair, this is switzerland, where it rains more often than it doesnt.

swiss insurance in regards to driving is very hard core. the speed limits here are artificially low and there are radar boxes EVERYWHERE. people get these huge tickets for relatively light infractions... a colleague of mine got a 1600 CHF fine (CHF=1USD more or less) for going 16kph over the speed limit. For the americans on the thread, that's like a 1600buck fine for doing 75 in a 65 mph zone, like say on the freeway.

if youre in a motorcycle crash and youre not dressed appropriately, the insurance companies can deny portions of your medical bills. (ie, if youd been wearing armor and leather, you wouldnt need that skin graft, too bad, your fault, heres your 300,000 medical bill) and they can withhold wages till you pay it off.

based on these precedents, it wouldnt surprise me that the ins. would deny this kid if he was speeding. as such, his life is probably basically over financially for the next 10 years, provided he gets a six figure income. lower than that, even longer.

It's hard to believe that things are so absolutely opposite right next door in Germany, where 40-50kph over (on an appropriate freeway) is something like a 25 euro fine. I'm not saying I don't believe you, it's just mind-boggling that there's anyplace even more Nazi than America about arbitrary speed enforcement.


Yep.

The colleague who told me the sotry about getting ganked for 1600 CHF said exactly that... he got the same ticket in munich for 35 euros.

i got a ticket... on a scooter.... doing 58 in a 50kph zone. 120 CHF. (100 euros) when i shared this information the guys at the table all said "lucky you had that 2kph under, otherwise there wouldve probably been another 0 on that ticket".

This is one of the hardest things for germans who come down here to get used to: the terrible granny driving. And, if you're over a certain amount above the speed limit, the fine isnt fixed, rather, a % of your income. This is so if Sheikh Hamad al ibn hamad bin sasasfrass in Geneva on the way to the oil summit blows past a speed cam doing 120 in a 50kph zone, they can milk his ass for enough money that it causes dipolomatic incidents involving embassys.

In related real news, recently in a tabloid was the report of a swedish billionaire's son doing 260kph on the Olten-Bern autobahn in some sweet top of the line limited edition mercedes . They confiscated his car.

Switzerland: Europe's Singapore.
 
2012-10-04 05:07:46 AM

foxyshadis: Incetardis: Good luck getting anything bigger than a pre-mee in the back seat of the Mustang.

A lot of us grew up squirming into the back of our dad's cheap muscle cars. And later on, we grew up in other ways in them too, awkward as it was.

Incetardis: 165k with nothing but oil changes and standard fare is great, though

I wouldn't pull that with a turbo, though.

Man, if Hyundai pairs the current Veloster Turbo with a double-clutch next year, I'll be in heaven.


I'm dying to get the fiance a Veloster Turbo. What a great, kooky car. The forced induction just makes it so much better - and still great fuel economy! Hopefully within 18 months we can trade out her Accent.
 
2012-10-04 05:07:53 AM
A car is a tool to get me from point A to point B reliably and safely. It will only decrease in value; frankly, I prefer to let other people eat that cost. My identity is not so insubstantial that I need to shore it up with a decaying hunk of metal and plastic.
 
2012-10-04 05:21:58 AM

foxyshadis: Father_Jack: clear_prop: Assuming the pics were taken soon after the accident, a 23 yo in a Ferrari in the farking RAIN is a disaster on wheels. I'm surprised he made it 15 minutes.

to be fair, this is switzerland, where it rains more often than it doesnt.

swiss insurance in regards to driving is very hard core. the speed limits here are artificially low and there are radar boxes EVERYWHERE. people get these huge tickets for relatively light infractions... a colleague of mine got a 1600 CHF fine (CHF=1USD more or less) for going 16kph over the speed limit. For the americans on the thread, that's like a 1600buck fine for doing 75 in a 65 mph zone, like say on the freeway.

if youre in a motorcycle crash and youre not dressed appropriately, the insurance companies can deny portions of your medical bills. (ie, if youd been wearing armor and leather, you wouldnt need that skin graft, too bad, your fault, heres your 300,000 medical bill) and they can withhold wages till you pay it off.

based on these precedents, it wouldnt surprise me that the ins. would deny this kid if he was speeding. as such, his life is probably basically over financially for the next 10 years, provided he gets a six figure income. lower than that, even longer.

It's hard to believe that things are so absolutely opposite right next door in Germany, where 40-50kph over (on an appropriate freeway) is something like a 25 euro fine. I'm not saying I don't believe you, it's just mind-boggling that there's anyplace even more Nazi than America about arbitrary speed enforcement.


Finland is even worse if you're rich. $218,000 fine for 40km/h over the limit.
 
2012-10-04 05:43:45 AM
If they could just wait less than ten years we'll be able to 3D print new cars for everyone. Private space based solar power for the energy.
 
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