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Car stolen/missing, after being totaled in an accident

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Car stolen/missing, after being totaled in an accident

Old 05-28-08, 12:41 AM
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Car stolen/missing, after being totaled in an accident

About 3 weeks ago may 9th very late i get a phone call from my wife's son.
He asks me to call my wife at work and have her call him on his cell.

She calls him and a few minutes later she tells me he was in a car accident and can i go get him.

I told her she needed to tell her work she has to leave because,
son/car accident etc.

so we drive up into the city and find him in a house of someone who helped him out of the car.

Apparently he was coming up to a traffic red light and tried to stop
too late and skidded off the road knocking over a sign and bouncing the car almost into a creek to the side of a small bridge.

the only thing keeping him from going into the creek
was a chain link fence and a tree.

anyway the car looked wrecked. the roof was bent.
the tires were pulled off.
the car was smoked.
so we take him home, it's about 4:30 am.

we drive up the next day early in th afternoon and the car is gone.
we just figured the police have it or the insurance company had it.

3 weeks later and the police don't have it and the insurance company
can't find it.

From what we can figure out, in Phila there are to-truck drivers who drive around looking for these situations and they scoop up the car and essentially hold it for ransom forcing people and insurance companies to pay for the holding fees before allowing it off the lot.

Seems there is nothing to stop it from happening.

Now we are waiting for the insurance company to decide it is a stolen car.
then we have to wait 30 days for any insurance pay off.
Nationwide rep has been a buffoon not returning calls
and not even coming to the house after
calling and asking if he can stop by.

this is getting to be a big hassle.
i'm sure we won't get enough back to pay off the car loan.
was a '97 jetta and he has 3 years left of payments.



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Old 05-28-08, 02:38 AM
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Just a word of caution...might want to make sure there isn't/will not be a warrant issued for his arrest. Where I come from, that's "Leaving the Scene of an Accident" and "Failure to report striking highway fixture".
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Old 05-28-08, 06:13 AM
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So how drunk was he?

I am assuming this is the reason for picking him up and leaving with-out at least reporting the accident? 5-0 would come and fill a report, and have the car towed someplace (you could have even chosen). I assume even cops in Phila do this.

Then you would be at the mercy of the depressed Persian tow truck man.
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Old 05-28-08, 07:20 AM
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if the car was left on the side of the road, it's probably legal for a tow truck to take it to the lot and hold it. you can't just leave your car on the road for weeks at a time while you decide what to do with it
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Old 05-28-08, 07:33 AM
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so your son totaled his car and didn't report it to the cops? not too smart.
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Old 05-28-08, 07:40 AM
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Originally Posted by al_bundy
if the car was left on the side of the road, it's probably legal for a tow truck to take it to the lot and hold it. you can't just leave your car on the road for weeks at a time while you decide what to do with it

This is true, not to mention if the car actually ended up on someone's property (as opposed to public/city/county property) that person might have had it towed. Around here though tow companies have 1 hour to report it to the police, anything beyond that (esp 3 weeks) an argument could be made that they have stolen it.
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Old 05-28-08, 09:21 AM
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Originally Posted by whotony
this is getting to be a big hassle.
i'm sure we won't get enough back to pay off the car loan.
was a '97 jetta and he has 3 years left of payments.


well, if he had gap insurance, then he should be able to walk away w/o any debt, though, gap insurance most likely requires the insurance payout, and it just covers the difference.
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Old 05-28-08, 04:45 PM
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Originally Posted by whotony
was a '97 jetta and he has 3 years left of payments.
What was it, a 14-year car loan? That's just nutty.
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Old 05-28-08, 04:54 PM
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Originally Posted by Walter Neff
What was it, a 14-year car loan? That's just nutty.
Unless he bought it at a buy-here-pay-here place used recently..

Yeah, if the car was totalled and you didn't have a police report filled out something was up. What was your son's BAL?
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Old 05-28-08, 04:57 PM
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Originally Posted by Walter Neff
What was it, a 14-year car loan? That's just nutty.
i'm assuming it's a used car loan.
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Old 05-28-08, 05:35 PM
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Originally Posted by D.Pham00
i'm assuming it's a used car loan.
Even if that's the case, what does a '97 Jetta go for these days? A few thousand bucks? I mean, it's an 11-year old car -- and a Jetta at that. How much could it possibly be worth?
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Old 05-28-08, 06:12 PM
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so we take him home, it's about 4:30 am.

we drive up the next day early in th afternoon and the car is gone.
we just figured the police have it or the insurance company had it.

3 weeks later and the police don't have it and the insurance company
can't find it.
Yeah, never assume the police have a grasp of the situation. Because they usually think the worst--stolen car, hit and run, etc. And rightly so because who would vacate the scene and not return?
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Old 05-28-08, 07:51 PM
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Originally Posted by mcfly
Unless he bought it at a buy-here-pay-here place used recently..

Yeah, if the car was totalled and you didn't have a police report filled out something was up. What was your son's BAL?
not sure what a BAL is.
my wife co-signed on a car loan for him. i was firmly against this.
it was a 5 year $4000 loan, that we have been paying because he ran out of money.
We are 1 year into the loan.

there was a police report.
the people who helped him out of the car called the police right away.
so there was a report.
i never said the car was there for 3 weeks, it was stolen within a couple hours after the accident.


this whole thing for a couple years now has been causing much trouble between
me and my wife.

he has been in college and his father has stopped helping pay for tuition.
i don't wany to get into why we haven't gone after him on that.

the kid had a 1.2 gpa freshman year and i wanted him out of the school.
she left him there until this month, his second year.
he is living with us now.

this accident happened the night he came home.
he hadn't slept for over a day and went out to visit friends.
it was a drizzly night and he told us he had a couple beers.
but he assured my wife he was fine to drive.

unfortunately a couple beers, tired and rainy night is not a good combo.

i've just about had it.
he has been here for over 3 weeks now and still doesn't
have any good leads on a job.

she is enabling him and if all this doesn't stop there may be a sad conclusion for my wife and I.

I feel i need to put in an ultimatum for him and that will not turn out good
i'm afraid.

just thinking about all this makes me boil.
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Old 05-28-08, 08:01 PM
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Originally Posted by whotony
this accident happened the night he came home.
he hadn't slept for over a day and went out to visit friends.
it was a drizzly night and he told us he had a couple beers.
but he assured my wife he was fine to drive.
Isn't it always just a couple beers?
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Old 05-28-08, 08:07 PM
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yep.

also he will be 20 in a couple months so add the underage to the list.
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Old 05-28-08, 09:42 PM
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Couple beers = a dozen longnecks.

If a police report was filed, it would be very bizarre for the po-po to leave the vehicle on the scene of an accident. Those are usually towed long before the investigating officer clears the scene.
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Old 05-28-08, 09:47 PM
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I know, but they don't have it.

It was probaly grabbed by a roving toe truck.
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Old 05-28-08, 10:00 PM
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Originally Posted by whotony
It was probaly grabbed by a roving toe truck.


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Old 05-28-08, 10:04 PM
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ok, ok.

tow-truck
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Old 05-29-08, 11:24 AM
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Originally Posted by whotony
just thinking about all this makes me boil.
Me too, and it doesn't even involve me.

Sorry about your situation.

Incidentally, BAL = Blood Alcohol Level.

Hopefully your wife will see reason and sort this kid out.
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Old 05-29-08, 11:35 AM
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It still seems fishy to me.

The cops were there when you arrived?
I think he got lucky he wasn't sobriety tested.
Obviously "a couple of beers" is always the answer. Add that to lack of sleep (and eating?) and you are just asking for trouble.

I understand it isn't your kid, or mine, but enabling your wife to allow him to endanger his life, and the loves of others is careless.

Waiting 30 days for the insurance company shouldn't be too difficult. It has already been 3 weeks. Hell, it is going to take nearly 3 weeks for me to get money from my insurance, and I knew where my vehicle was the whole time. Have you reported the car stolen?

Did you get a copy of the police report to see if that has any information?

I didn't realize there was a place where you could finance a 10 year old vehicle for 5 years. The interest rate must be 21%.
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Old 05-29-08, 11:44 AM
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Sounds like the two of you have had differences in the past because it struck me as odd that he would call you first and not mention the accident.
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Old 05-29-08, 05:48 PM
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Originally Posted by MBoyd
Sounds like the two of you have had differences in the past because it struck me as odd that he would call you first and not mention the accident.
right.

the cops werent there when we got there.

we have to wait for the insurance co to decide that it is a stolen car.
then it is 30 days from that point until a settlement/ payoff.

i almost wish he did have a bal test.
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