F8 Best I almost wrecked my Ferrari story, the winner gets a Venmo for a gallon of Petrol!

Doubtful that very many would want to relive the nightmare.


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There I was, at angels 35, cruising at 600 knots in finger 2 formation, the sun at my back, my wingman at my 4 o’clock, … oh wait, wrong forum…


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I was just leaving my first Cars & Coffee since upgrading from a Mustang to a Ferrari, and ....

 

My 488 was parked on the side of the road while I was getting lunch.

A drunk driver drove into it.

RIP 488
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Sad to see, hope you may be able to get a decent deal with the car insurance company ... let us know please !

 

Yeah I got more than I paid for the car.

 

I hate to even look at this picture

 

When you say you got more for it from the insurance (sure good to hear that you did), I am hoping that it was the drunk driver's policy that paid it all out. Being that it was a drunk my suspicion would be that he carried state minimum coverage?

 

One of the reasons our insurance rates are high is the insurance companies know that if there is a big claim it’s likely they will be paying almost all of it. Most states only require 10% of our cars worth in coverage.

 

Oh man that's not cool.

 

True, but what portion of our policies covers the shortage from the other guy? If its property damage our policies might not have enough and if its collision then we end up paying even higher rates. The uninsured or underinsured motorist portions would only cover liability I think? Sure the insurance company has rights of subrogation however they are likely to recoup anything from the other guy. That is doubtful and trying to sue somebody that has nothing isn't going to get it done. And even worse if he has no insurance at all. On top of all that, even our company policies have clauses in there that would limit their exposure as well. Its all bad once you have to start dealing with insurance at any time anyhow. Just never want to be the bagholder and I am suspect that it happens all the time.