5ywjdPumpkinPrincess
37277
878
20
Mar 7, 2026 2:54 PM
5ywjdPumpkinPrincess
37277
878
20
Yasashii93
Apparently there was a run of an alloy-bodied roadster version that’s highly sought after. Those can be worth between $190,000 and $260,000. Only 242 of those were made.
So if it was one of those, and it could be, as they were made 1948-1950, it’s much more of a loss and a considerably more hefty bill.
FoxVoxDK
She wasn't distracted by the phone. She was using the phone, she was the cause of this wreck, she is responsible, not the phone.
QueefMalone
Why'd we have to indicate it was a woman?
jodu
I wondered the same thing. Got downvotes instead of a reply. Guess we'll never know why.
IgnisInvictus
Ouch. So very ouch.
SirLurkAndSmirkAndSometimesSnark
It's not the agents money in like 99% of the cases. Most independent agents just sell policies for the bigger companies. They are just a broker.
justfillingthespace
Well yeah, they definitely *are* about to be broker.
Bludabeagle
"My Dad is a T.V. Repairman....he's got an Awesome set of tools, he can fix it."
Sproggo
And imagine if she hit a pedestrian!
widiwi
Story from 2024, happened in Austria.
https://www.jalopnik.com/distracted-driver-smashes-into-rare-1948-jaguar-mille-m-1851661322/
FreelanceSpermDonor
" A crash caused by a woman glancing at her phone heavily damaged a 1948 Jaguar XK120..." Yeah right. A quick glance. Fuckin' fat liar.
yesdearmetoo
https://media2.giphy.com/media/v1.Y2lkPWE1NzM3M2U1dTltbW1jbXY5Yml4NGM5cDl2ODRxbTVpczhsNXZlMmE2aWtnZ2lveCZlcD12MV9naWZzX3NlYXJjaCZjdD1n/TU76e2JHkPchG/200w.webp
hushpuppyextraordinaire
Car is 65% bondo
nimeton0
Profbru
That will buff out.
HisRoyalMajestyKingV
Not if you word it that way. It only works when you say "That'll buff right out."
Targe0
Yes the issue is, because it's a classic Jagur even buffing it out will cost you £50,000.
GravyEducation
That things SUPPOSED to be on fire
Targe0
Don't be silly, it's not a Tesla.
IJustWantToMakeAComment
Some dumbass teenager hit my dads 1937 packard. Totally her fault- no question. The best part is her insurance company had no clue what to pay my dad so just made up a number. He got enough money to not only fix the car but to completely redo the whole thing. He does all the work by himself btw.
19marcurious57
Straight to jail.
noonehasthisoneyet
Must’ve been going pretty fast to go back in time…I’ll see myself out.
Alexap30
Most people think that the ability to multitask ends at being able to have both *objects* at hand. The wheel and the phone. What's in question, though, is not your ability to hold stuff, rather, it's your brains processing capacity, which is now split in half. One half trying to process the call and the other half trying to process the driving (which is happening fast). Most of the time you barely handle the call, and by luck you handle the driving. And we call that luck *ability to multitask*.
MapleSyrupMafia
I can easily understand being distracted by a phone, those round dials required all your attention.
DrLOAC
NeoAcario
Counter argument! Put everyone on a motorcycle... and ENCOURAGE texting!!! Weed out those bad drivers!
thomn8r
https://www.motor1.com/news/735635/rare-jaguar-xk120-classic-car-destroyed-austrai/
DorkJedi
fun fact- one of those, steel body and needing a lot of rebuilding, was for sale when I was a teen. I almost bought it. I should have, beautiful car.
ricpaul
Got passed by this car someyears back. Some friends in the UK knew the bloke had covered up part of the British license plate and thus were able to track it down. I think last time it was sold, it was 2 or 3 million quid. Dutch guy bought it and this pic is in the Netherlands. Where you cannot own and drive a car with foreign plates if you're a citizen. But I guess he found a loophole. (Old post, cannot get it to place pic here) /gallery/got-passed-by-this-today-mrH1QIi#J7aa9jl
drdorman86350
You've activated my trap card, accident forgiveness!
claytonhadams
Same thing happened to me: 1962 TR3B parked in parking garage, woman backed out into its side. Insurance totaled it, but I had it repaired.
Cutwail
Meh, not worse than the trucker who ruined a F40 with a genuine LM kit.
Colopty
Found the thread, folks in it noted that the owner of that car is a notoriously reckless driver, and is a content creator whose whole job is to film everything they do in that car yet somehow they didn't release dash cam footage to support the story. Good chance he caused the damage himself by driving like an idiot but lied for the insurance payout.
allenvasher3000
Is it going to be ok?
unluckyandbored
It can be fixed, but it's going to be very expensive.
ATLandNerdy
No
Zetor
The phone? Yes, she had it in a cover, so it wouldn't get scratches.
Targe0
It will be fine, their bank account on the other hand... Terminal.
SimSimSimsalabim
Eventually
LaszloCravensworth
Unfortunately no. This kills the Jaguar.
Type17
Stuff like this often gets fixed - anything can be fixed, the only thing that stops it is that the repair costs exceed the repaired value, and even then, the owner may, for sentimental reasons, take the insurance payout, less the value of the wrecked car, and pay the difference themselves.
huffnpuff72
This. Friend had his classic car hit a while back. He got paid out a decent amount and got to keep the car. Is now working out how to get it repaired.
REOJackwagon
*assumes she has insurance, and it's enough to cover the cost of the car
AbsolutelyNotBacon
This happened in Austria where insurance is mandatory to register a car and lowest allowed max. coverage is 7.6mil €. The average is usually 20mil+ though.
Targe0
Even if she did, she won't afterwards.
The premiums she would face after that.... Oof it would be extreme.
mbus
Most auto insurance rates based on number of accidents but not based on the value of those accidents. There are actually NONE that are based on the value of the accident that I've ever seen. If her plan had "accident forgiveness," it wouldn't even impact her premium, crazily enough. That said, her insurance would probably just non-renew her after that.
Targe0
If they find out it was caused because she was on her phone, they might not pay out at all.
Because a lot of insurance will not cover damages caused by negligence or illegal actions.
Such as driving while on your phone.
So she might get hit with the full costs of the damages personally.
whatsisname
Even a minor crash can result in 6 figures of liability if someone is injured and unlucky. The insurance company will probably see this as just another Tuesday.
Targe0
Yes but that's a $500,000 car she just caused the write-off of. So her insurance is going to feel that one.
maas2908
And that's why every insurance plan has a maximum amount it'll cover.
maas2908
Mine will for example pay up to $2.50 for bodily injury claims. It's totally real insurance however
HelpfulCorn
That's why I have an umbrella policy
maas2908
That's pretty fancy, I didn't know you could buy that :-p
SomeDetroitGuy
Here in Michigan, your insurance pays for damages to your car. If you want to drive a $400,000 car then you pay the cost of collision damage insurance for it.
Zamerine
She drove into the jaguar, the jaguar didn't do nothing wrong
whatsisname
The jaguar driver took on extra risk that other drivers didn't consent to. Example A minor fender bender shouldn't be a major financial crisis to a driver because the person they bumped into is driving a million dollar super car, for example.
Type17
That’s actually what insurance is for.
whatsisname
Yes, but the owners bear the relative difference in risk of having more expensive cars. Injuries to the occupants is a separate issue.
Zamerine
She was ON HER PHONE ! It could have been a KID. How much money do you value a kid's life ? 'extra risk' my ass
whatsisname
Apparently diwnvoters don't understand how no-fault insurance came into existence in many states
Zamerine
No fault ? She was literally on her phone dude, did u even read the like 20 words on the post ? Too hard for ya he ?
whatsisname
https://www.progressive.com/answers/no-fault-state-meaning/ it's a term of the industry dude
Skuggen
From what the internet says, that car is probably worth around $100k. A lot of money for a regular person, but not for an insurance company (and if you work in insurance you don't have the soul to get upset that a vintage car was ruined).
powwerbottom
Okay but also: sometimes you get a vintage car that needs tons of work because you enjoy the project. If you get one that the insurance company deems to be "scrap," it means it's essentially totaled. Many insurance companies won't pay out above the car's initial appraisal, and getting them to change it is complicated, even after restorations. You might end up eating everything you added.
DianNaoChong
Cost the insurance company nothing since they aren't gonna pay
hyptosis
Yeah that is a much more reasonable price than I expected. I bought a porsche for 12k once. I spend more maintaining it than I did buying it. Not every fancy car is insanely priced.
JarJarBinksKisser
What a dumbass. Driving around a car that expensive. Get what you deserve for being an idiot. If you drive a Vintage car on a public road, you accept the risk.
DukeDarkwood
Imagine a world where you could hit a car broadside and then claim it's THEIR fault for being on the road, and not yours for gazing into your phone instead of the road in front of you. It doesn't matter if the car's a 1948 or a 2018, the person who t-boned that car should really be looking at what's in front of their own car.
JarJarBinksKisser
All im saying is Jar Jar Binks would be very skilled orally & be a great smoocher. I don't get what your saying.
ATLandNerdy
Also, insurance has a maximum payout, if you drive around a fortune, you assume some liability.
GuyWithDog
Fuck the money. The car is basically irreplaceable
Skuggen
Sure, but this was about the insurance agent's reaction, not the owner's.
schlummi
Yeah, if you hit a person it would easily be - by far - more expensive than that.
WaxedApple
Vintage cars should be kept in museums for public appreciation as art, and never again allowed on the road
MonsieurRickles
I have one, and we do [get upset]. We're just like you 🙃 or maybe a little sadder because we're stuck working in insurance...
Trimule
Decades ago I was next to my Dr's Office help while she was arguing with Ins. over my very simple and correct claim, getting nowhere. I said "Let me try" - Back and forth getting nowhere and then the Ins lady in a nasty exasperated tone said (verbatim) "No no! Mr. ... You just don't understand. YOU pay us. We don't pay you!" I've never forgotten that and it is a total summation of the Ins. Game.
[deleted]
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Skuggen
If you're insuring something that expensive, you generally don't get a standard policy.
schlummi
Thats unreasonable low. Damage to most cars - even if you destroy a 1 million $ car - is cheap. But good luck paying for the health treatment of someone who ends up with serious disabilities. Good luck compensating him for his salary. In some european countries you'll get 100 million coverage easily. Since such extremly expensive events are very rare it does also not have much impact on the overal pricetag.
thundercactus
But is that for *coverage* or is that their limit of standard passenger vehicles before they declare it a writeoff?
Because nobody's insuring a Lamborghini for ONLY $50k.
LostChats
In the USA that can be a state minimum requirement. You can purchase more, even millions more. That’s why even if you drive a POS, if you’re at fault for totaling out an expensive car, you’re screwed (if you bight state minimum.
gablestout
Not the '48. Wood chassis, aluminum panels, and hand built. Only 242 were built. One in top condition will cost you north of $300,000.
In 2016, one auctioned for just under $400,000
Skuggen
Yeah, that's true (I just went by the first google result I saw), but $400k is still not a big deal for the insurance company
NOINITIATIVE
A drunk driver hit me last year, totaled my truck, gave me a TBI and permanently disfigured my face. 5 months later his insurance sends me a check for salvage rate, I request the full rate; they say no because they forgot to look into the claim and the towing yard sold what was left of my truck. I told them that's not my problem, and she responds "but what do we get out of it?!"
Ivain
Well, what you get out of it is not being a fraudulent company, and not getting a massive reputation hit that will chase all your insurees to competitors that ACTUALLY pay out. I mean, really.
NOINITIATIVE
U S A A
hairytrigga
Id be like: "what's this WE? You're a pawn to your company bud"
Clayman8
You save yourself the lawsuit from your client fucking up my car, my face and probable employement :) now, lets talk about what do "I" get out it
Brunomars1
Sounds like you should hired an attorney. It’s not too late to sue for damages and pain and suffering.
NOINITIATIVE
already have one (he's the one who originally filed the claim as my representative), they've been avoiding him for the past month
knotydes
Interesting that XK 120s are so "cheap." Between 100-200k seems the ave. I guess it falls into the weird early post war category. Then gets vastly overshadowed by the E-type. Cuz if u smack into an aluminum body E-type with a pedigree..... Yeah, your insurance is gonna shit itself over your half million dollar fuck up
martineb72
If in the US, then most people don't have enough coverage. They have $50k coverage and that is all the insurance will pay. And that isn't even the minimum converge of $20k, just the average.
gablestout
and that's why i carry $50k in Underinsured driver property and $500k/$1M in Underinsured driver medical coverage... I'm not rolling the bones that the other driver has enough insurance...
gablestout
Not the '48. wood chasis and aluminum panels, and they were hand built. Only 242 of them. One sold at auction 10 years ago for $400,000
knotydes
Yeah I saw that on the sales figure graph, but it seemed to be the anomaly. I assume aluminum bodied 48s were exceptionally rare, as in race car rare.
gablestout
Only 242 (IIRC) were made. It was the first Jaguar sportscar since they stopped production in 1938, due to WW2
aerodynamit3
If it can be proven the driver was being negligent when they impacted the victim, the Insurance Co might try to avoid the pay out and force the driver to pay up themselves. Would depend on the terms of their contract or if this is a "no fault" state (if it's in the US. Idk if they have that elsewhere). The jaguar owner likely had their own insurance that would pay for the damages regardless. Might end up in court for subrogation in that case
RubyPorto
Insurance covers negligence. In fact, that's *most* of what it covers, especially car insurance. Figuring out who was negligent is how you figure out whose insurance company is footing the bill. The only state that's "no-fault" for property damage is Michigan; every other "no-fault" state is so for bodily injury only (the purpose is to make it easier to get medical attention quickly).
whatsisname
The bar for negligence is pretty high, higher than drink driving even. The whole point of insurance is to cover yourself when you fuck up.
widiwi
story is from 10/2024 and happened in Austria. I'll post a link up in the comments.
nichfra
Is there anything else than "no fault* anywhere else? After all the liability insurance is so the victim for sure gets paid out, it's for others not for you first and foremost.
StillScreamingIntoTheVoid
My understanding is that her insurance has a maximum payout, after that they don't care, you can go after her for money.
The driver probably has insurance to cover the rest though. Hopefully.
Draygen
Uninsured/Underinsured Motorist Insurance. I recommend it for everyone. It's usually only a few bucks a month and covers you in exactly this situation.
Skuggen
Right, but even if the insurance company has to foot the entire bill (which as you say they probably won't if the driver was actually focused on her phone) that's a pretty minor cost they can easily cover by hiking up the premiums for everyone else "because of rising costs and to ensure we give you the best possible service", naturally.
PleaseRespectMyAsshole
My auto insurance premium went up when the ex and I got divorced and I removed her from the policy. When I asked why, they told me it's because divorced men are a higher risk. That absolutely fucking floored me.
aerodynamit3
Most likely they'd just opt to drop that customer and not renew their contract. Of drop them immediately if they violated the terms of it. Premium increases aren't usually tied to an individual incident. All the insurance co's operate like a cartel and raise everyone's premiums in lock step with each other so no one can really save that well by trying to switch around.
Adester
Where i come from the insurance has to pay. Even if a drunk person stole your car and drove into a row of jaguars on purpose.
After that they can try to get the money back from that drunk person, but they are there to cover the damage caused with the insured car. Full stop.
tachyx
What about the shareholders?
mako925
This depends on coverage. Considering the car, it's probably has full coverage but if the policy exempts phone use (we'll cover you as long as you don't do something stupid like use your phone while driving), so they'll deny the claim based on that. Insurance companies don't want to pay so they add a lot of exemptions for a pricy item.
Predacane35
If I'm following correctly, the victim wasn't using their phone, the person who hit them was. So regardless of her policy about phone use, the victim wouldn't be affected.
kadelto127001
The isn’t a policy that exempts phone use, insurance pays the full limit that you buy. A lot of people buy state minimum in liability limit tho and that’s why they get screwed it’s worth it to buy at least 100k in liability
nyetwork
I have an umbrella policy for 1m to cover stuff like this, medical/property/etc. that goes in excess of what my home/car insurance wouldn't pay in case of shit. I am trying to be responsible while my government isn't. :(