it most likely wont be totalled, damage doesn't look too bad, but honestly it being a new car and now having a crash history its gonna be worth a lot less, and since its gonna take so long to get parts and the poor guy is still making payments on it while its just sitting there, he should definitely fight for it to just be totalled out so he can go buy a new truck...
Always hard to tell until an adjuster takes a look. There could be a bunch of stuff underneath that’s trashed.
With a 15lbs sledge hammer.....
That's not even close to what he would have gotten from me if that was my truck. Jail would have been the only safe place for him.
Sell what you can, dump the rest and charge his ass for the remainder of the FULL value for the truck.
If the cousin lives in the same home, I believe it is law that they (anybody with a driver's license) have to be on the car insurance. I know for a fact it is the case in Utah; my insurance company contacted me when my sister briefly moved in with us even though she did not have access to a motor vehicle.
It would be a weird insurance stunt. What would be the point? They are going to have to pay a deductible so they wouldn’t be making a profit. I guess they could take the check for the cost of repairs and pocket it, if they own the vehicle outright, otherwise the lien holder might have something to say. And even then they are going to net a few grand and have no bumper, a damaged right front panel, and who knows what else that they will have to live with, repair, or try and recoup via sale. They are also liable for damage to someone else personal property and can’t try and make bogus money on fake injuries. If it is a stunt, it is a stupid one.
The irony of this quote from last month (different thread) is truly tragic. But hopefully you at least got to drive it before your cousin's joy ride.
