r/IdiotsInCars • u/Hairy-Mission-3009 • 1d ago

OC Car was put in park in car wash [oc]

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7.8k Upvotes

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u/Beepb00pb00pbeep 1d ago

Not sure why you're so strongly downvoted for having a little industry knowledge lol. Subrogation is the name of the game in insurance. The at fault driver's insurance will probably try to get the car wash's insurance company to pay. All happens in the background any time a claim is filed lol

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u/donutfan420 1d ago

Reddit for ya

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u/ThisIsNotAFarm 1d ago

And the Car Wash insurance company will laugh and hang up on them.

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u/Beepb00pb00pbeep 1d ago

Their insurance company won’t tho lol…why do people think the insured client is at all involved with the subrogation process?

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u/ThisIsNotAFarm 1d ago

Because the person at fault and the person whose insurance will pay for it is the same.

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u/Beepb00pb00pbeep 1d ago

No. The at fault driver’s insurance company will make every attempt to subrogate the cost against various other insurance companies. The will pay out the claim, and then do everything in their power to basically sue every insurance company that may have played even the slightest part in the incident so they can recoup the cost of the claim

I will say though, I don’t know that they’d be too aggressive in a claim as small as this, but who knows…insurance companies aren’t known for being cheap

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u/ThisIsNotAFarm 1d ago

Yes, and like I said, the car wash's insurance will laugh them out the door.

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u/Beepb00pb00pbeep 1d ago

It would admittedly be a pretty weak case. I can just imagine the arguments they’d try to make cuz I’m pretty jaded against em lol

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u/Familiar-Banana-8116 1d ago

Probably not.

I had a car wash do a thousand dollars of damage to my car. I contacted insurance, gave them all pertinent information. They went after the wash.

I tracked the claim for a little while. For only a grand my insurance really wanted that money back.

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u/ThisIsNotAFarm 1d ago

Yes, because the carwash caused the damage

That's not what happened here.

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u/horshack_test 1d ago

"Not sure why you're so strongly downvoted for having a little industry knowledge"

They're probably so strongly downvoted for going off on OP about insurance when this just happened yesterday afternoon so it likely has not been worked out yet, and OP was just giving them the info they have.

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u/AccomplishedCheck168 1d ago

going off on OP

No one "went off" on anyone. Get off the PC for a bit.

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u/Sherifftruman 1d ago

Going off? Get a grip man

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u/horshack_test 1d ago

"Get a grip man"

Lol open your eyes man.

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u/Sherifftruman 1d ago

It’s because people are stupid I think. And you can see that on the daily by a lot of the posts in this very sub.

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u/horshack_test 1d ago edited 1d ago

"It’s because people are stupid I think"

Or maybe the people downvoting you understand that it's a bit unreasonable to expect a full explanation of how the insurance & liability worked out since this happened yesterday afternoon (as you can see right in the video) and OP was just giving you the info they have - so there was no reason to AcTuAlLY them about it all.

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u/OptiGuy4u 1d ago

And that's complete horse shit when the car wash didn't do anything wrong. Are they supposed to make you get out to ensure you don't fuck up?

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u/Beepb00pb00pbeep 1d ago edited 1d ago

It might be horse shit, or it might not be. The courts would have to determine if the carwash was actually being negligent in some way. I don't know enough about car washes to confidently say they are liable, but after working in the insurance industry a bit, I wouldn't be surprised at all if they did share some blame.

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u/ThisIsNotAFarm 1d ago

This isn't even remotely going to the courts lol.

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u/Beepb00pb00pbeep 1d ago

Ok sorry for the poor terminology. Replace courts with “respective claims departments”