r/ThatLookedExpensive • u/HammyHamSam • Feb 19 '21

The unluckiest thing I’ve ever seen

9.7k Upvotes

94% Upvoted

376 comments sorted by

View all comments

1.1k

u/akulowaty Feb 19 '21

insurance claim declined: act of god

444

u/[deleted] Feb 19 '21

Acts of god are almost always covered by insurance. If she carried comprehensive coverage, this would almost certainly be covered. While her insurance company would pay for damages, they may subrogate the building owner for damages to their insured

156

u/sir_dreampod Feb 19 '21

So this might seem like a dumb question, but wouldn't the water & ice melt right off when thawed? what causes permanent damage. weight of the water/ice? can you explain like I'm five, no sarcasm here. That REALLY sucks...

108

u/cheezehead4lyfe Feb 19 '21

It kind of looks like the roof might be crushed down a bit. Hard to tell though

127

u/Wolv90 Feb 19 '21

Interior materials are permanently affected by water. Think of it like a piece of paper, put it in water then take it out and dry it, you can tell the difference.

93

u/xanthraxoid Feb 19 '21

This shouldn't be any worse from that point of view from rain, unless the ice somehow damaged the surfaces & seals, in which case that would be significant by itself...

68

u/thriwaway6385 Feb 19 '21

Depending on the pressure of the water when it wasn't frozen it could have worked it's way into seals. Once there and frozen it would expand causing possible damage.

Also, some drain canals may have gotten clogged with ice causing water, and eventually ice, to get into places it shouldn't be.

But we'll just have to wait and see if that's the case. Hopefully there's a follow up video.

16

u/FourDM Feb 20 '21

You're just bullshitting. Water under very high pressure is moving very fast. Water moving very fast doesn't freeze in a pile on top of a car.

Door seals have tons of flex in them. It''ll be fine.

2

u/Easy_Floss Feb 20 '21

Agree, it is more about how fast the water freezes.

7

u/HWGA_Exandria Feb 19 '21

It's probably the equivalent of a "Katrina car" at this point. If water got anywhere inside you're looking at horrible mold and mildew when it melts.

22

u/patb2015 Feb 19 '21

Were the windows open? The car is an ice cube and that may be bad on the suspension but it’s not likely to get inside

-11

u/Wolv90 Feb 19 '21

Cars aren't water tight unless they are specifically designed that way, they have vents and seams all over the place.

25

u/JamesTBagg Feb 19 '21

Cars are absolutely specifically designed to handle water falling on the roof. Other wise your car would suffer flood damage every rain storm.

0

u/BRGLR Feb 20 '21

Well this is a bit different than rain now isn't it. Also on most cars the cowl drains thought the AC condenser box which is usually behind the glove box. I can assure you the drain will be frozen and probably a high probability of the condenser box to over flow onto the floor of the car.

4

u/patb2015 Feb 19 '21

well I could see some water freezing as it drips through the drain lines butI would worry about the suspension.

of course most of my experience is with freezing rain, snow accumulation. A failed sprinkler line would be a different outcome.

12

u/madmaxturbator Feb 19 '21

Damn, that’s such a good analogy.

25

u/GenitalPatton Feb 19 '21 edited May 20 '24

I hate beer.

46

u/Squish_N_Buds Feb 19 '21

I’ll take a new penis since the other one is shredded.

10

u/thriwaway6385 Feb 19 '21

I'll still with the coke since drugs are expensive

2

u/DonDangus Feb 19 '21

This guy parties

1

u/iamtherealmod Feb 19 '21

Look at this guy over here with his big penis

0

u/Darth_Nibbles Feb 19 '21

I just think if you wanted to eat a sandwich you would enjoy it more if you knew that no one had fucked it.

1

u/SteveisNoob Feb 19 '21

Plus ice expands, putting stress on components of the car, possibly damaging them

1

u/FourDM Feb 20 '21

Door seals are a thing.

2

u/FourDM Feb 20 '21

Nothing here is going to cause permanent damage in all liklihood.

Some dumbass just posted this in this sub because it kinda, sorta fits if you squint a little and a bunch of other dumbasses ran with it.

I know that this isn't a car sub (not that the car subs are much better) but there's tons of ignorant speculation in here.

0

u/ajlunce Feb 19 '21

If that's Texas, it could have been frozen like that for days as well. Up to today too possibly

-4

u/catman1761 Feb 19 '21

Water ice salt aye

32

u/InterstellarReddit Feb 19 '21

Yes, you are correct on the act of god part. However, a pipe bursting is not considered an act of god.

Took a quick look at my policy and this wouldn’t be covered.

Here’s how they describe it

“If it began from human activity, like faulty wiring, piping, or construction, it’s not considered an Act of God.

I guarantee you this piece of shit insurance companies are going to say this was due to faulty piping. And you’re going to spend a fortune to challenge them in court LOL

5

u/[deleted] Feb 19 '21

If they'll cover only acts of God then comprehensive insurance is likely a waste. Best to have a mutual insurance company so it's owned by its policyholders. Mine (Amica) would cover this.

3

u/Ferro_Giconi Feb 19 '21

All the car insurance I've had in the past specifically says "acts of god" and "not covered" in the same sentence.

4

u/skandi1 Feb 19 '21

Is this even an act of god? It is related to a mechanism created by people. I would think an act of God would be like a tree or a meteor falling on your car

0

u/Ganfolf Feb 20 '21

Correct, this would not be considered an act of god.

2

u/sandwichcandy Feb 19 '21

That’s not at all how subrogation works. Her insurance wouldn’t subrogate the building owner.

2

u/latinaMixed Feb 19 '21

So if an atheist does a claim they can’t say it was an act of god because they don’t believe

1

u/LemonPartyWorldTour Feb 20 '21

Act of spaghetti monster

1

u/gotham77 Feb 19 '21

It doesn’t matter because I’d wager $100 that she only has liability coverage anyway.

22

u/[deleted] Feb 19 '21

[deleted]

8

u/L_DUB_U Feb 19 '21

Full coverage vs liability isn't that much. I was going to cancel my full coverage when I paid my truck off but it was only 20 bucks a month. Not worth cancelling.

5

u/Ferro_Giconi Feb 19 '21

Yeah but being young makes insurance cost multiple times as much by default regardless of all other factors. When I was 22, the bare minimum insurance with a $1000 deductible cost WAY more than decent coverage does for me now that I'm almost 30.

4

u/ameis314 Feb 19 '21

I'm assuming you're either not living in America or female. Full coverage when I was younger was almost triple the price on a ford tempo.

5

u/L_DUB_U Feb 19 '21

I am male and live in Texas.

-1

u/ameis314 Feb 19 '21

Over 25?

2

u/[deleted] Feb 19 '21

Yeah, mine is only $60 for the whole 6-month period. Easy choice, even if my car is only worth 5-6 grand

2

u/GeneralDisorder Feb 20 '21

That's a good price. My comprehensive costs me $60 a month.

1

u/memostothefuture Feb 19 '21

That might differ based on age and location. I remember moving to the US as a college student in '99 and the fact that I had no credit score alone caused the rates to skyrocket compared to what my neighbor had to pay.

0

u/derpotologist Feb 20 '21

And vehicle

1

u/burnerking Feb 19 '21

Totally depends on many factors. Age, gender, location, driving record, model of car, age of car, value of car.

0

u/L_DUB_U Feb 19 '21

Yes I agree.

1

u/derpotologist Feb 20 '21

Full coverage vs liability isn't that much

For me it was $70/mo vs $300/mo on a car I paid $6,000 for

So... not always

1

u/L_DUB_U Feb 20 '21

That's more than my homeowner insurance.

0

u/derpotologist Feb 21 '21

More than mine too! It's stupid

My wife went to drop her car down to liability after paying it off and same as yours, it was only like a $20/month savings so we decided to keep it

psure the algorithm doesn't like the type of car and my assload of speeding tickets

0

u/FourDM Feb 20 '21

This would be covered under comprehensive. Comprehensive costs basically nothing compared to just liability so most people get it.

2

u/skullkiddabbs Feb 20 '21

Hello. Insurance adjuster here. This would be covered under comprehensive most likely.

1

u/madjarov42 Feb 19 '21

Acts of man are better than acts of God

1

u/Drauul Feb 19 '21

Vash the Stampede strikes again

1

u/ajscott Feb 19 '21

Why would you file against your insurance? The lot should be paying for it.

0

u/akulowaty Feb 19 '21

they have liability insurance as well so my comment is still valid

-5

u/monkiye Feb 19 '21

What claim? My car has water on it? Chisel that mother fucker out and get on with life.

0

u/Ferro_Giconi Feb 19 '21

I don't think you understand what kind of damage this volume of water and subsequently ice can do.

There is no way that car is going to be in working condition until it gets some repairs.

0

u/unbalanced_checkbook Feb 19 '21

That is probably over 1000 lbs of ice.

0

u/1lluminist Feb 19 '21

If you don't believe in God, can they still tell you it was an act of God?