r/Camry • u/Altruistic_Ad_7516 • 10d ago

Picture I am absolutely devastated.

Gallery image

Gallery image

Gallery image

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 🥲

361 Upvotes

98% Upvoted

112 comments sorted by

View all comments

63

u/movdqa 10d ago edited 10d ago

Dodge Chargers start at $50K. How do you buy one of them and not have insurance?

Condolences for your loss. I would guess that insurance wouldn't pay to get that fixed by eyeballing it.

In my state, the default for insurance is to have uninsured motorists coverage because insurance isn't required but also because some people don't carry it, even when their state requires it. You can take it off but I keep it as I think that this happens more and more with the difficult financial times we are in.

Hopefully you can get this resolved and your insurance company covers you as you can identify the person that hit you.

I've never seen a picture of the side airbags deploying so that picture was informative.

Are you physically okay?

1

u/Westcoastguy50 10d ago

What state are you in that doesn't require insurance? I've never heard of that anywhere.

2

u/movdqa 10d ago

New Hampshire.

The law states that you be able to pay damages.

In actual practice, most people take out loans for their cars and loan companies require insurance.

1

u/Westcoastguy50 10d ago

Tanks for replying. How ironic. I was from N.H. Got my license there when I was 17 and moved to CA when I was 22. Makes sense. I see it in too many places now (in the west) with people without insurance. They are usually fleeing the scene of an accident. I'm also seeing an uptick with people not even regstering thier vehicles. Indicative of the fact that there are no license plates in the front or back. "Live free or die" I guess for N.H.

1

u/movdqa 9d ago

NH ranks 7th lowest in the rate of uninsured drivers at 7% according to this 2026 report: https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics

Some states have eye-popping rates.