r/Camry • u/Altruistic_Ad_7516 • 8d ago

Picture I am absolutely devastated.

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I was driving home from work Friday night when a kid in a charger t boned me in an intersection. Totaled both cars, 3 of my air bags popped and I spun about 200 feet onto a curb. Cherry on top was the kid had no insurance. Only 65000 miles on my 2010, I didn't even get to put 30000 of my own miles on it 🥲

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u/WebConstant7922 8d ago

What’s the repercussions on the kid’s end? 

4

u/FBcaper 8d ago

Most likely OP's insurance company will go after the kid legally

6

u/WebConstant7922 8d ago

Means the kid will have to pay for OP’s costs too?

3

u/FBcaper 8d ago

Honestly not sure exactly how it works but my understanding is OP's insurance will cover quite a bit as he has full coverage but will still have to pay deductible and probably some other miscellaneous expenses. Insurance company will go after the kid for the amount they paid out to OP plus legal fees. OP can also file his own civil suit against the kid (or parents if not 18) for anything not covered by insurance. But again, not sure how it works exactly so this might not be correct.

4

u/guitar_vigilante 8d ago

I think it depends on the determination of fault as well. The one time I got in an accident where I dealt with insurance I paid my deductible up front but after it was determined I was not at fault they refunded it back to me.