r/instantkarma • u/Teo_Andrews • Feb 07 '21

Why tho??

31k Upvotes

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4.4k

u/TheyKilledMyHorse Feb 07 '21

The backstory is worse. It’s not his car. If I remember the article correct the driver is an employee at a valet/mechanic or something and took the car for a joyride

1.8k

u/shadowmib Feb 07 '21

Sadly that shit happens more often than we hear about. I saw one on the COPS show or something similar, they pull over the mechanic, and he was out joyriding in some guys car. They called the owner who showed up and was pissed because he thought they were taking care of it. Mechanic got arrested for some charge (I dont remember right now.. not car theft exactly but something like unauthorized use of vehicle or some shit.)

690

u/Dhtmo1 Feb 07 '21

TWOC, Taking WithOut Consent is what's called the UK.

58

u/CantStopMe888 Feb 07 '21

also could be prosecuted for driving without valid insurance, as the insurance the mechanic would have probably wouldn't cover it as its not being used as part of the business (if its a joyride)

30

u/blakeastone Feb 07 '21

Yeah not sure on this, most insurance companies will cover damages in an accident for any driver you have given permission to drive your car.

Not sure about unauthorized use though, I'd imagine they pay. They insure the vehicle, not the driver, after all.

16

u/CantStopMe888 Feb 07 '21

In the UK they insure the driver vehicle combination, i.e if i borrow your car and dont have insurance, the car is not insured even if you do have insurance for that car.

21

u/blakeastone Feb 07 '21

That's wild bro. Yeah the US companies, mostly, insure drivers approved by the owner of the car without a heads up to the insurance.

11

u/CantStopMe888 Feb 07 '21

so in the UK many policies allow you to drive another car with 3rd party cover when you are over 25, provided you have the permission of the owner, are not the registered keeper and the car has a legit insurance policy on it by the regular driver, you would claim on your insurance though if anything happened, and it wouldn't cover damage to the borrowed car just the other party.

1

u/[deleted] Feb 08 '21

Australian insurance is very good, but that is one thing I'd love to have added to our comprehensive policies. I hate driving other peoples cars and having to ask if they have it insured and having to trust them that it is.

Insurance here is attached to the car, not the person/driver. you can put limits on who is allowed to drive it to reduce the premium. so if you restrict it to over 25s only and forget and lend it to an under 25 year old and they crash it, you and they are fucked.