[48 / 16 / ?]
Hey, I need life help.
Anonymous
Quoted By:
>>540703 >>>/adv/ >Parents say they will take the car back, and pay for it, but it'll be theirs, and i wont have the car i've been paying for for 2 1/2 years. It's not their car. They co-signed, which only means they pick up the tab if you renege on the lease. If you don't renege on the lease, they don't have any liability, but they also don't have any power.
If they want to pay you $12,000, then they can have your car. They have no power to take it.
If you're cool with your car having cosmetic damage, that's between you and your car. Your parents are welcome to their opinion, and they're welcome to keep it to themselves, but they're not welcome to your car.
Anonymous
>>540703 >Hood is dented, deductible is 1000 If it's just a dented hood, there's no way that's worth $1000. Do not get it fixed on insurance, find a car the same model and colour in a breakers that's been in a violent rear-end collision, and swap the thing yourself. it's like a dozen bolts and a tiny bit of lifting and aligning.
I would also be very surprised indeed to find a bodyshop that can't panelbeat, fill and spray a "small cosmetic wreck" for way less than $1000.
Anonymous
>>540703 eBay and similar is also an option: unless your car is exotic or high-end, expect to pay $200 or less for a complete hood.
Anonymous
>>540703 If you want to teach your parents a lesson you should consider suicide. Write a letter explaining how you tried but it was an unreasonable load to bear, and then crash a moving train head on. That way they won't even get to keep your car. Post it on /r9k/ the day you do it and I guarantee you'll make it to the news.
Anonymous
Quoted By:
>>540703 >I would die, but that's a sin. that is only a consideration if you're worried about offending God. if God did not want to be offended by your death, He should not have placed you in this situation.
Anonymous
>>540703 How will it hurt they credit of they don't fix the car? Your parents are literally autistic. Fuck fixing it. It won't hurt they credit. Also you don't need health insurance I live 10 years of my life without insurance. Most people still don't have insurance. And 1k deductable isnt real I don't believe you. Full insurance coverage for 380 at your age? Like I'm pretty sure something is wrong if you have a deductable of 1k. Also you are retarded for buying such a expensive car if your monthly cost is 800 bucks. My first car I bought was 600 dollars and I went to college with that also having a full time job. You dig yourself into you own mess should have saved up before going to college or doing anything major. If I was your parent I would have given you a game plan. Honestly just take a break from school, go to work and save up money. Fuck the car if you can and just take a bus while going to work. Buy a decent Toyota or Honda between 1k-2k make sure it's fuel efficient. Buy the cheapest insurance. Once you save enough money just go back to work. Also strive at least for 13 bucks n hour at any customer server job. Once you there for 2-3 years you can move to a 20 n hour customer service job pretty easy. Also tell you parents they should kill themself for being retarded. And that you should have been born asian with much more caring parents.
Anonymous
>>540917 The premium and the deductable are for the car. Maybe spend less time writing and more time reading?
Anonymous
>>540919 That's what I said, are you retarded? Either way how can premium cost 380 while deductable is 1k on full coverage. Literally bought Jew insurance.
Anonymous
>>540923 It's my parents insurance plan, they're letting me stay on it. It's how they're "helping me". It's also the full coverage rate. Out on my own, i get quoted 600+ for full coverage.
Anonymous
Quoted By:
>>540703 >I don't know what I can do. you could always ask on 4chan for advice, ye that seem the brightest idea i can think of
Anonymous
>>540923 For a car. For the second time, it's not health insurance.
That kind of premium is entirely expected for new drivers, because new drivers aren't good at driving.
Anonymous
>>540703 why don't you tell us the email you made up just for this scam, and we as a community will pretend we are gonna send you some money
Anonymous
>>540934 i don't expect to get money from anyone, i just need advice on how i can get myself back on track.
Anonymous
>>540709 >>540711 vw buggy, 2016
i've already looked.
Anonymous
Quoted By:
>>540738 It is a sin to commit suicide, i respect the lord and know that hard times are only temporary. I have 8 brothers, 1 sister. I'm 3rd from last. i've got the short straw since i was born. never could do extracurricular in school due to them having to drive/pay for other siblings to things. always was told "when you're 16, uou can work and get your own car, then you can do extracurricular after school things!"
little did i know that once i got a car, i then had no time for extracurricular things because i had to work insane amounts to pay for it. :)
Anonymous
>>540936 stop bleeding money thru an expense you can't afford, sell the car, stop the insurance, get yourself on your feet first, by then the premiums will be lower due to age/length of time youve had a licence, don't talk about suicide over not being able to afford a bill you don't need you fucking spastic
Anonymous
>>540929 Did you at least get good student discount?
Honestly get rid of that car, buy a cheap ass car. And drive safe without insurance. Lol saves you alot of money.
>>540931 Did you even read?! I know it's for a car you idiot
>>540937 >Vw buggy 2016 Literally picked the worst car. Why did you buy such a new car. Just get a Toyota or Honda Civic from like the 90s they will run forever and insurance on those are dirt cheap.
Anonymous
>>540940 how can i work with no car? no bus transports/trains here. car is also my backup home, has been before. If i sell the car, i'm still unde on my loan due to what i owe on it due to depreciation, it's financed. I don't have enough saved now to straight up buy a used car.
Anonymous
>>540941 Obviously you don't, because you're bleating on about it being unrealistic, having an unreasonable deductable, and how you'd just do without it. Stop attempting damage control and just admit you skimmed the OP.
You can't "do without" car insurance. It's a felony. The premiums are so high because you're not insuring against the loss of the car, you're insuring against the millions of dollars of harm you can cause driving it like a dumbass.
Anonymous
>>540941 they handle the insurance, i don't know, i just pay them every month.
>>540931 was not my post.dealerships wouldn't let me buy a used car due to new credit, had to buy a new car.
Anonymous
>>540942 Never break a finance agreement halfway through if your income is contingent on the thing you're financing.
Definitely shop around for insurance.
Definitely take it to a body shop and get a quote. It looks like you need a new hood and new bumper, but a shop might well be able to fix and spray it instead of replacing.
Anonymous
>>540943 >It's a felony You need to research on how many people don't have car insurance. Also a reasonable deductable is 500. Also paying in full give you 1 month free. Plus if you have all the discount.
>>540944 You see that the problem, your parent probably jewing you with the insurance if you don't know the cost. Honestly for first car I would have checked Craigslist for a cheap car. Dealers pray on new drivers.
Anonymous
>>540946 bumper is fine, it's just the hood.
i have shopped for insurance, everywhere is same , 600+. staying on my parents plan is best for me atm.
Anonymous
Quoted By:
>>540944 They're definitely bilking you. What you need to do, in order, is:
Get a couple of quotes for fixing the cosmetic damage
Visit every price comparison site you can find, and get quotes for third-party only car insurance. That's basically what you've got anyway, as you're unlikely to survive writing off the car, and the excess is sufficiently high that it's only worth claiming for a write-off anyway.
Anonymous
>>540948 If that was a picture of your car, the bumper is not fine.
>>540947 >lots of people do it so it's fine Anonymous
>>540948 How many years was the loan set for? Should have extended the loan to 4 -6 years to make it cheaper since you got a expensive new car. Also tell your parents to calm they tits it's just a dent nothing will hurt the credit. They premium will go up tho if you cause that accident involving another driver. If you just accidentally hit something and not report insurance they nothing will go up or bad happen.
Anonymous
>>540950 >You're are a broke ass nigga that is contemplating suecide I'm sorry but some people aren't as privilege as you.
Anonymous
>>540952 already at 72 months. there was a wreck in front of me on the high way, and i was in a long line of cars that had to break really fast. I just barely got bumped on the back, only a bit of paint damage.
>>540950 bumper is fine.
Anonymous
>>540937 >Texas No wonder yall bad at driving
You should have gotten a truck lol
It isn't that bad I would just rock with it and poket the insurance money like ever other poor person.
Anonymous
>>540953 Maiming people then not being able to pay their hospital bills is not a privilege. Liability insurance is a basic responsibility of anyone who uses the shared road system, and if putting right the shit you ruined is something you don't feel you should pay for, then you shouldn't be driving on public roads.
Anonymous
>>540955 parents will take car if i don't have insurance.
also illegal.
Anonymous
>>540955 >just rock with it Great idea. Totally do that.
>>540954 It's really not. Fucking look at it.
Anonymous
>>540954 >Showing off you licence number You should have censored it, to hide you identity fyi.
Also apply for a loan or credit card to pay for deductable or borrow money from friend.
>>540956 Calm your tits. I'm just saying it as an option, I ain't forcing anyone to do anything. Life is about choices I just present them. I ain't forcing no one to act on them. If you are retarded enough it is your choice. I ain't saying it is a good choice. Now stop taking it peraonal.
>>540957 Lol
Anonymous
The car here really isn't my only problem, i'm looking for a job that can make me enough, yet allow me to go to school and have time to study. I can't work too much, because i'm worried i wont study well.
>>540959 where?
>>540960 already 1k in credit debt, can't get loans, already paying down one for 500.
Anonymous
Quoted By:
>>540961 latch still works, hood won't pop up. It's secure, even at faster speeds.
Anonymous
>>540961 Bumper is a cosmetic item car can run well with or without bumper.
Why don't you become a streamer. If you look decent you can get all those beta bucks. Have you tried go fund me?
What is you credit score? How long have you been building credit? You should get a credit card even if you are 1k in debt.
Anonymous
>>540964 already have 2 credit cards, one at 500, one at 300. Cant get another credit card, ive applied, declined. bf is against me streaming, says is immoral and leads to other things. credit is 680. been building for a year on my own, i just pay my parents the money for my car, then they pay the bill, so that hasnt been building for me. i think asking for money is immoral as well.
Anonymous
>>540967 Your bf is being irrational, can't you just borrow money from you bf? Like if my gf was in that trouble I would just pay give her the 1k. desu. Like being with someone means you can rely on them at times of hardship.
Anonymous
>>540969 He's already helping me alot. I am currently living with him. He paid my car payment last month for me, and is offering to pay this month too, plus the 1k for the damage. He only hits about 20 hours a week though and does college. His parents pay for everything for him, his car, his place, his insurance, etc. His dad just lost his job too, so i worry his safety won't last much longer, and i dont want to take all his savings from him.
Anonymous
>>540974 Lmao problem fixed, ask your bf to handle everything. What happen to him is a future problem and we will worry about that whenever we cross that bridge. Cya next time in /adv.
Anonymous
>>540979 if im going down i wont drag him down with me.
Anonymous
>>540980 A captain should always go down with his crew and ship.
Also trust me and just go with it, everything will work out.
Anonymous
>>540982 okay, but that only solves my temporary car problem. i still don't know what im going to do about college. if i work 20 hours, i'll have time to study, but only make 800 a month before taxes. barely enough for my car, much less food, or book costs. My scholarship pays 100% of tuition, nothing else. I want to do well in college, but worry if work more, i wont have time to study hard. Is there a better job or sidegig that would make me money without taking up alot of time?
Anonymous
Quoted By:
>>540985 I used to be full time college while working 35hours a week its all about time management while studying CS just drink alot of coffee maybe Adderall it will help you focus ask your doctor. Since you have health insurance. Other then that you should have work for 1 or 2 years and saved up before starting collage. And for food all you need is top ramen buy it in bulk 10 bucks will last you forever add some multivitamin too to keep you healthy.
Second option tell your bf to quit school and work full time till you finish studying and then you work full time when he studies and finish. Worked quite well for one of my friends.
Anonymous
Quoted By:
Your problem has nothing to do with your car. Cut the cord with your parents ffs. You remind me of my cousins. They're eternal moochers. AND QUIT TALKING ABOUT SUICIDE! EW!
Anonymous
>>540985 Do you NEED a car? It seems to me like all your worries would be gone by selling your car and getting a new one once you are done with college.
And if I got this right, your boyfriend also has a car.
Having two cars in a college relationship is a luxury.
Luxury you obviously can't afford.
Most students I know can't even affordone car for two people.
If you have any option to use public transport or get by without he car, try to go for it, it will save you so much money.
Anonymous
Quoted By:
>>541026 >boyfriend Wait what? Is the OP a faggot/female? Then the answer is some variety of prostitution; probably camwhoring or something.
