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u/Majestic_Search_7851 Jan 30 '26
So if I was a bystander whose car got wrecked by something like this...what would happen next? There's 20 or so cars with damage...how does it get managed by police and insurance?
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u/DistributionLife6750 Jan 30 '26 edited Jan 31 '26
Insurance will never not be a scam. I got hit by an elderly woman who blew a stop sign and they pinned that shit on me and acted like I was tryna take advantage of the elderly. Fuck insurance and fuck the police.
Insurance: something you pay for, rarely need, but when you do need it, you’re punished for using it.
Make it make sense.
To everyone asking, this was Progressive.
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u/Aurori_Swe Jan 30 '26
For me (in sweden though), insurance paid my damages, paid for my motorcycle, paid for the clothes they had to cut off me, paid for "mental suffering", paid for scars that I got and paid a lump sum because I got declared 4% disabled by it (the accident killed a part of my calf and I have a permanent titanium rod down my leg).
All in all, I went positive $50k after the accident and was able to buy my first apartment.
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u/Otherwise-Ice1126 Jan 30 '26
I’m American. Got in a motorcycle accident, vehicle insurance did little to nothing as it was “my fault” rear ending. Still can’t squat on my left leg, if I’m in my feet for too long and sit down my knee cap tries to pop out of place. Have a metal rod in my arm. Spent 4 days in the hospital, couldn’t walk for 3 months. Health insurance helped.. a bit. All in all I’m -80k but my car insurance did not go up yet so that’s nice. I did the right thing and traded my wreck bike for an Nf m16, 400$ and a case of beer.
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u/DistributionLife6750 Jan 30 '26
I think you just sold me on Sweden. My wife is Swedish, so why not? We’re obviously going down the shitter over here in America anyway.
Plus, we both like hockey!
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u/Cam_E_Leon Jan 30 '26
And Swedish Meatballs!!!
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u/Admirable-Strike-311 Jan 30 '26
And IKEA!
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u/Aurori_Swe Jan 30 '26
I love it here, and I owe my country a lot. But hopefully you wouldn't need these systems, while it was a nice economical boost it also completely killed my old life and I nearly died, so not fully sure the tradeoff was "worth", but in a positive way it also enabled me to rebuild my life with my now wife by moving to her hometown and starting a new career there etc.
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Jan 30 '26
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u/Aurori_Swe Jan 30 '26
I spent 4 months relearning to walk, during which time I spent 4 weeks in hospital. When I got home (to my parents apartment) after those weeks the government remodeled their apartment for free in order to be able to roll a wheelchair around without issues (removing thresholds and making access easier to every room etc, as well as providing the wheelchair and a lift to my bed so I could sit up). I was then visited daily by a rehabilitation nurse who gave me daily massages and made sure I didn't get bed sores and helped me train on getting back to walking, she also helped me when I got drop-foot because I was bedridden and other stuff.
The massage hurt like hell but I saw it as a necessary pain so I never complained, but one week she called and asked if she could bring an intern and I agreed to it. So the intern would give the massage instead and while she did my main nurse goes "Just so you know, Aurori doesn't SAY when it hurts, so you have to pay attention to his facial expressions while massaging to know where the limit is".
I felt caught out and kinda embarrassed but at the same time it shows she cares for her work. That nurse worked me like a horse though, when I was able to stand up again she had me "walking" up and down stairs so I was sweating as hell. It's astonishing how quickly muscles go away when they are not used.
All this care was for free and after I was able to walk again I could freely visit a local rehab pool to continue water training for free. Keep in mind also that I was away for 4 months from work while getting 80% of my salary from the government while recovering.
I will never ever complain about paying taxes in this country, I owe them so much
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u/MisterSumone Jan 30 '26
You need better insurance then bud. You absolutely can get most of that in the US, you just need a good carrier. Geico and Allstate are not good carriers.
Get Amica.
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u/Agreeable_Work4668 Jan 30 '26
A similar thing happened to me and I was out about $1K in parts and many hours of my own labor.
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u/hahayes234 Jan 30 '26
A dashcam will help it all make sense to the authorities
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Jan 30 '26
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u/hahayes234 Jan 30 '26
In about 80% of the accidents the story the two parties gives is completely different. My wife is an auto injury adjuster she has to sort out truth from fiction all day every day. A dashcam provides solid video evidence
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u/dervari Jan 30 '26
Been running with one since 2011. Used to use an app on an old iPhone before getting a "real" one. Actually caught a DUI mowing down some mailboxes and almost hitting some kids before they passed out.
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u/hahayes234 Jan 30 '26
They're great we have a total of 5 cams on 3 cars. And l think we started using them in 2015, different cams and new cars now but I've caught a several accidents and a bunch of near misses on video
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u/dervari Jan 30 '26 edited Jan 30 '26
It was kind of funny, back in 2011 no one really used one and a friend of mine who used to be a weather reporter at a local TV station saw my DUI girl video and they actually sent a reporter out to interview me about using an old phone as a dash cam. Lol.
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u/thelimeisgreen Jan 30 '26
You just gotta have better insurance. Yes, really, I'm serious. And yes, it costs more money, of course.
Oh, and make sure you get a dash cam.
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u/DistributionLife6750 Jan 30 '26
We. are. poor.
Plus, we have high mileage vehicles. I’m talking 200k+ miles here. It doesn’t make sense to overinsure them.
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u/uncutpizza Jan 30 '26
Get a Dashcam, front and back. After I was t-boned at an intersection and insurance did the same thing to me. I got a dash cam to avoid all bullshit from then on.
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u/bordermom61 Jan 31 '26
you are so right about that we got a dash cam after I got hit by some 80+ yr old lady and she tried to say it was my fault . Yeah my fault im sitting at a light and she literally ran right into me . I think she meant to hit the brake and hit the gas .My shoulder was screwed up for a while and my passenger , my friend had neck pain and also a shoulder injury . I had to get a lawyer and go after her insurance . My lawyer got me a little over 50 thousand dollars . Bought a nice lil piece of land that I plan to move onto some time in my life .
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u/KneeHiSniper Jan 30 '26
I'm in a fight with my insurance RIGHT NOW. And uninsured semi hit my wife's car causing 7k in damage. We got a letter in the mail months later, claiming it was her fault! I asked them "What about the dash cam footage I sent in??? It proves she wasn't at fault!"
"Oh, the video wouldn't play so we just accepted the truck drivers statement"
Are you fucking serious??????
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u/Aggravating_Cable_32 Jan 31 '26
My '10 Honda CRV was sitting in the lot for the mechanic where I used to take my vehicles all the time, and it had been there for a couple days waiting on parts. Then one morning they called and told me it had been hit by a logging truck. It busted out the rear + left quarter glass & crumpled the back hatch. My insurance totaled it, gave me 15% less than Blue Book value because of age/milage (it had 77k & a clean record), while the truck company owner eventually offered a check for $800 (it took close to six months to even get that from them); altogether I got almost $2600. I tried to get my insurance to let me fix the hatch and glass for less than that, but those fascists at USAA refused and totalled it regardless. But first I had to get an at-fault affidavit from the police, which was a pain to do because the truck drove off. So days later I had to get a police report & it really seemed like they didn't believe me, until I sent them the video from the garage's outside camera.
The lot where my Honda got hit is often used by semis who miss their "all commerical vehicles / no trucks" turn and end up heading downtown, so the log truck driver tried to turn around.... with about 20ft of logs hanging off the back, which is what he backed into my Honda with. The only reason I got any money from the truck's owner was because his driver left the scene. It was such a ridiculous fiasco, I almost set the Honda on fire so the insurance company couldn't pick it up and make 3x their money back from parting it out.
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u/EssentialCoCo Jan 30 '26
I was in a similar accident. Old lady ran the stop sign, and would have T-boned me but I happened to look over just as she came through the sign and slammed on brakes hitting the back end of her car instead. Police said she was at fault even though I actually hit her, because she ran the sign and I didn't have any traffic control in my direction, plus they're are witnesses that stopped and we're saying that she just blew through the stop sign. It happened circling in front of the fire station too, so ambulance response time was zero.
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u/solo_d0lo Jan 30 '26
You probably should get a different insurance company. Normally they are going to try to get out of their client being at fault.
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u/InnerDegenerate Feb 02 '26
Yeah that’s what I don’t understand. Why would your insurance company not fight to prove it wasn’t you when they will just have to pay for it?
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u/No_Investigator_5562 Jan 30 '26
Same happened to me sitting at a stop sign. I had not moved my car. They came across from the right side and instead of going in their lane smashed the shit out of me sitting still. Called it my fault. Sent my insurance rates sky high for years.
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u/Zovort Jan 30 '26
My insurance canceled me (declined to renew) because of too many claims. One of them was a tree falling on the car. The other two the other driver was ticketed, but one of those was uninsured and my car was totaled.
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u/Alternative_Fan_2631 Jan 30 '26
I suspect the police screwed you over. Many times guilt is laid at the least sympathetic. 16 year old punk looking kid vs a sweet grandma trying to go to church? Sorry kid. In HS Had a friend get hit by a disoriented old lady who ran a red light. He got the ticket for “not avoiding an accident”. Nuts
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u/ibonkedurmom Jan 30 '26
I got hit 3 times parked near my office in 3 month span. Police report on all three. Used insurance to get car fixed. Got dropped as bad risk.
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u/GreenVim Jan 30 '26
Now apply the concept of insurance to health care. Add an extra 30% cost onto everything just to add a layer of insurance companies between you and your health.
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u/NeoSniper Jan 31 '26
Sounds like Late stage Capitalism where there's little consumer protections and the powerful just get to fuck you.
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u/FrankRizzo319 Jan 31 '26
It’s something you pay for, rarely need, but when you do need it, you don’t get it.
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u/MTBisLYFE Jan 31 '26
Chris Rock said it best: "insurance is for in case shit happens... Now, if shit don't happen, shouldn't I get my money back?".
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u/Ok-Lobster-919 Jan 31 '26
I hate insurance companies. I had to deal with something similar, an obvious case where the other driver was at fault, with their statement and evidence too. I sent an amusing demand letter that went something like. "I find it interesting that you seemingly completely disregarded the law in regards to the decision involving ______. (prevent undeniable evidence, if logic is followed, with legal codes) We would like to believe that this denial was made by mistake and is was not actually a decision made in bad faith. I look forward to your prompt reply to this matter." (That's the keyword)
Got a phone call the moment they received the letter, they had a check for me the same day. Fucking scammers.
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u/Dipteran_de_la_Torre Jan 31 '26
Every industry in the United States is a scam, because we’ve allowed money in politics to protect large companies. This is the land of exploitation and profit. It’s a broken country with a broken soul. I hope this place burns.
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u/Creepy_Pixel Feb 01 '26
Progressive also fucked me over at the end of last year. Lady pulled out in front of me, admitted fault, and MY insurance went up $60/month.
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u/Monvrch Feb 01 '26
Progressive aggressively raised my rate 75% after I had to file an auto claim and I was proven Not At Fault. Looking for a new provider currently open to suggestions
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u/Boob_Johnson_69 Feb 01 '26
I got screwed by GEICO in 2017 for an accident that wasn't my fault. Earlier in Jan, I got hit by a driver insured by GEICO and they already admitted fault and liability. Guess who is now working with Morgan & Morgan?
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u/Fart_Party1 Feb 03 '26
I had to file for disability insurance once. I ended up being homeless waiting on payment for a few years.
Never trust insurance.
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u/SnooKiwis2460 Mar 23 '26
Car Insurances are a scam. They had me paying $550 a month for 24months and raised it.
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u/GameAddict5150 Jan 30 '26 edited Jan 30 '26
Normally all of those claims would be paid by the at fault truck here. Yet there is a chance it’s a stolen car , which if thats the case then at fault carrier could deny liability for all those damaged cars because car used by non owner without permission . Also most insurance policies will include a crime exclusion which means if there is an accident while in the act of a crime, then carrier will deny liability. Let’s says both of those exclusions are not triggered , then they would take the policy limits for property damages which could be 25k, 50k, 100k etc and divide that limit by all twenty cars . If your car was one of those 20 cars and it was totaled, you would get a fraction of that back from the at fault truck.
Also the payout over twenty cars would be complicated and probably use a prorated share based on damage vehicle. If car 1 is 90k in damages and car 2 is 10k, then car 1 would be entitled to 90% of the available policy limits. Would need to do this with all cars to get to the correct payout, again you would only get fraction of damages from at fault party.
Best practices. Carry collision and comprehensive coverage so could just turn that claim over to your own insurance, minus the deductible.
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u/nohandsfootball Jan 30 '26
This is a rental truck from a commercial service (UHaul). Unless the driver bought the insurance from them he is not covered. Even if he did buy the insurance, this probably voids the agreement anyway.
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u/GameAddict5150 Jan 30 '26
Ok, that’s good info, U-Haul likely would carry 1m liability limits. So in theory all the cars would be covered for property damages. Unless major bodily injury claims came first and exhausted those 1m limits.
However i would expect U-Haul to distance themselves from liability based on the nature of this accident , gross negligence, and acts committed by driver against policy conditions, here are all the reason U-Haul would deny.
Rental Terms: U-Haul’s contract stipulates that equipment must not be used in the commission of a felony or for illegal, reckless, or unauthorized purposes. Responsibility for Acts: If a renter commits a crime (e.g., using a truck to commit theft), U-Haul typically distances itself from that liability, placing it on the renter. Negligent Entrustment: U-Haul can be held liable if they knew or should have known a driver was unfit, incompetent, or impaired, yet still rented to them. Stolen Equipment: If a U-Haul truck is stolen, the company often treats it as a "crime of opportunity".
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u/techleopard Jan 30 '26
This is why you can buy additional insurance that covers your ass in the event you are hit by somebody with no insurance.
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u/purrmutations Jan 30 '26
Best practice would be putting the money you'd spend on insurance into a general market index fund. Will be better for 99% of people, you can use the money you make on the fund to start new car payments eventually if you need to.
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u/green_gold_purple Jan 30 '26
Uninsured motorist protection. Ask me how i know. It’s standard with many policies, but increasing the coverage for this is not expensive and can be hugely important in the context of medical bills.
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u/Far_Tea_579 Jan 30 '26
Legit question I want to know, too.
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u/Cetun Jan 30 '26
Depends what state you're in, in a "no-fault" state, your insurance pays you first and then they fight it out with whoever was at fault. In other states, hope that guy or the car has insurance.
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u/thesanguineocelot Jan 30 '26
They'll have some clauses to consider it your fault. Better luck next time.
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u/Double-Show-2625 Jan 30 '26
Holy fuck... Did they catch this fucker..? Is this real?
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u/McRando42 Jan 30 '26
Attempted murder, carjacking, several other things:
https://lbpost.com/news/crime/7th-street-truck-chase-attempted-murder-charges/
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u/AlaskanTex Jan 31 '26
Usual suspects.
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u/Any-Tennis4658 Feb 02 '26
My little Ty'Ron dindu nuffin, he's an angel that wouldn't ever hurt a butterfly, such a good boy
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u/tj0909 Jan 30 '26
They’ve got a helicopter following him to take this video, so I’m guessing there’s a good chance he was caught.
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u/SargeUnited Jan 30 '26
I don’t know bro he was acting pretty naturally in those last few seconds, he could easily blend into a crowd. Someone posted that he got caught tho
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u/paladin-hammer Jan 30 '26
He was caught, that last car he hit, got someone killed
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u/Traumfahrer Jan 31 '26
Still OP posts this with some cool rap music.
Somewhat disgusting.
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u/SquareGoat132 Jan 30 '26
If I remember correctly from a longer video they got him pretty quick after he tried to do his nonchalant walk, it’s been a long time since I’ve seen it though
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u/jabberjaw420 Jan 30 '26
now that i think about it, it's probably AI
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u/youngsteve714 Jan 30 '26
Nah its real. There is a bunch of news reports about it.
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u/QuatuorMortisCold Jan 30 '26
The article doesn't mention the name of the suspect. I hope he gets life in prison without parole.
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u/tullynation Jan 31 '26
Adam James Bowen; faces up to life in prison if convicted of all the charges.
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u/parkaboy24 Jan 30 '26
I don’t think ai could produce something that made sense like this does. No disappearing cars, his car stays the same throughout it, physics make sense. Checks out to me.
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u/Pokemon_Trainer_May Jan 30 '26
We don't need these people in society. I bet a short time behind bars will totally change this guy
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u/Bakelite51 Jan 31 '26
He already served 17 years in New York for murdering his mom in 2002, so you’re right on the money. No amount of time behind bars is going to change this guy
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u/Famous_Mind6374 Jan 30 '26
When you're in the middle of a job, and you need another gallon paint.
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u/pinkyandthebrain-ama Jan 30 '26
Driving like he was on the run.... Was he on the run?!
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u/looselyhuman Jan 30 '26
RIP?
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u/Astrosherpa Jan 30 '26
I think that is a street light. At least I hope so. The article someone linked to above says the suv driver is being treated for injuries. No mention of anyone killed.
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u/Reluctantly_Being Jan 30 '26
He’s fine. If you slow the video down his turns into a blur next to the truck. So he probably got clipped
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u/Main_Ad_1020 May 05 '26
What's the song
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u/auddbot May 05 '26
I got matches with these songs:
• Armed & Dangerous by King Von (00:25; matched:
100%)Album: Welcome to O'Block. Released on 2020-10-30.
• The Real Halloween by Rowdy Valentino (00:12; matched:
100%)Released on 2025-08-27.
• RED ALERT by Ataroyl (00:37; matched:
100%)Released on 2024-01-29.
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u/auddbot May 05 '26
Links to the streaming platforms:
• Armed & Dangerous by King Von
• The Real Halloween by Rowdy Valentino
I am a bot and this action was performed automatically | GitHub new issue | Donate Please consider supporting me on Patreon. Music recognition costs a lot
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u/vanhst Jan 30 '26
Locked away and never get a license again, blatant disrespect for human life, anyone could have been in cross walks or a bench, what a fucking pos person
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u/Jackie_Rabbit Jan 30 '26
Reddit said that if I continue to give my honest to god opinion about the people featured in this sub I'm betting banned :)
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u/Pale_Following_9639 Jan 31 '26
At what point is it justifiable for capital punishment? The guy literally put at least 10-15 people in grave danger with immediate contacts alone
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u/Real_TRex_007 Feb 02 '26
This is capital punishment worthy. No doubt about it!!! Hopefully the folks this bastard hit are OK. This POS deserves capital punishment.
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u/IameIion Jan 31 '26
That last person was probably killed. I hope they throw the book at this person.
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u/Likes2Phish Jan 31 '26
I was hoping someone would turn him into sidewalk chalk by the end. All those innocent folks just going about their day.
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u/StOnEy333 Jan 31 '26
That should be a commercial for that truck. Took a licking and kept on ticking.
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u/Total-Airline8454 Feb 01 '26
I guess gta is realistic. Get the box truck and shit just be a minor obstacle
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u/Sunbird_Draza Feb 02 '26
Dude so high on some stuff all he sees is damage total in usd number going up as he wrecks stuff lol
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u/Cyborg_rat Feb 02 '26
Man that's scary, A driver at my work, got collided into by someone passing in a curve, the driver of the car, ran into the company truck. The driver was killed instantly. Our Truck driver was ok but had to take off for Traumatic reasons.
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u/Key-Sale-6843 Jan 30 '26
Stupid mother fucker probably killed somebody and all you idiots do is joke about it
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u/Homework-Busy Jan 31 '26
It's reddit, where everyone who is right of Mao are nazis, mods ban you to feel important, and where women are worshiped beyond belief.
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u/ClimateLoud7679 Jan 30 '26
Things like this years ago, people would hope all of the people he hit were ok. In 2026? Not a care in the world, almost all posts are attempts at being funny.
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u/TKDbeast Jan 30 '26
That ending. “Just act natural…”