This and *Move that gigantic cotton candy!* are go-tos for me.
26
Pretend-Function-1331 day ago
+11
How’s the view from sugar heaven b****?!?
11
Awareness_Logical1 day ago
+5
Pink stick, eat it or lose it 😂
5
EggNo28923 hr ago
+9
"You boys like Mexico?"
9
FaylerBravo1 day ago
+10
“Well it’s illegal, Burton, I know that.”
10
IndependentLove22921 day ago
+123
A Rolls-Royce? Presumably someone had some money to get that car, and yet they're using it for insurance fraud? Where did they get the money for the car to begin with, wire fraud?
123
RepresentativeOk24331 day ago
+82
Totalling an insured car is often a windfall if it's worth more than you paid for it. You can find older high mileage luxury vehicles for less than BBV.
I assume the scam goes like this. Buy 50k car for 30k. Put full coverage on it then total it through "bear attack damage." Insurance totals the car and writes them a check.
Last time I got rear ended, their Insurance paid out 3x what I had paid for it, although I think they pay extra for accidents to quickly settle.
82
Hotrian1 day ago
+11
The last 3x times I got rear ended, insurance only paid me what the car was worth, paying off the loan for the second two. The first I owned outright, but it was only worth $3k BBV at that point which is what they paid out :(. I got an extra $700 total to cover misc costs. All 3 times full coverage insurance. GAP coverage on second and third cars.
11
arepotatoesreal20 hr ago
+5
I had full coverage on my car that got totaled when a tree fell on it. I had to fight with my insurance company (Geico at the time) for a month negotiating the price. Got them to pay a few thousand more than the original appraisal and it STILL was well short of what a replacement would cost me. And like two thousand short of what the same car with similar miles was selling for at dealerships.
What insurance are you guys using to get more money than the car is worth?
5
wickedsmaht18 hr ago
+3
I think the people you’re responding to are probably factoring in injury claims as well. There is absolutely zero chance that someone is getting paid 3x what a car is worth for a damages claim. The coverages are treated separately even though they’re handled under the same claim.
Insurance will only pay for what the car was worth on the market at the time of the accident. They look for comparable vehicles in the area and factor in age, mileage, condition, and anything extra like new tires. And the lien holder always gets paid first. And yes, It does mean that you sometimes have to fight the insurance company because the comps they pick can be questionable.
3
CheezTips9 hr ago
+1
Geico is the WORST
1
unknown131323 hr ago
+4
But if you buy for less then it's worth, then you profit... At least until you get caught like here.
4
RepresentativeOk243321 hr ago
+2
Yes what the car was "worth". If you had a loan its safe to say you probably bought it from a dealer and likely paid more than BB for a still depreciating car. But most private parties are selling under BB value for cash. A clapped out civic on marketplace for 2k might "book" for 5k if it has low miles.
2
Hotrian19 hr ago
+2
Totally valid points, I was just trying to dissuade insurance fraud, I suppose. In some cases you might get a payout but in my case it was a big headache that only just paid off the car.
2
ImportantObjective451 day ago
+25
Or in my case zero of what they owed, probably plenty for permanent injuries.
25
k_realtor20 hr ago
+3
Ah basic fraud, international insurance fraud would pay out more. I remember a scene from an old [gangster movie ](https://www.youtube.com/watch?v=d7w7eaaZ9B4)called Menace 2 Society that seemed fake but realized now it was actually happening a lot during those times.
So you get your money back and more money sold to some rich guy overseas. so it would $20K from the regular fraud plus get your original $30K back and some more depending on the car model.
3
kjtstl16 hr ago
+2
That’s the scam! The only thing you missed is that they were doing it with multiple cars and more than one policy per car,
2
BePart215 hr ago
+2
If it’s worth 50k can’t they just, sell it for 50k??
2
RepresentativeOk243315 hr ago
+2
"Worth" and worth are two very different things. Plenty of cybertruck owners learned that the hard way.
In my instance the car was covered in scratches and door dents which is why we were able to buy it so c****. When it got hit by a drunk driver, the insurance didn't seem to factor that cosmetic damage into the value and paid us full price.
2
FigMaleficent404611 hr ago
+1
Pretty much anyone can borrow money to buy a car
1
[deleted]1 day ago
-16
[deleted]
-16
Tyrrox1 day ago
+16
No, it's pretty straightforward insurance fraud. The article says they submitted the same claim to multiple other insurance companies. The intent was to illegally gain funds from the insurance companies.
16
SupermanRR19801 day ago
+31
I pay The Homer Tax.
Let The Bears pay The Bear Tax.
31
Isvanburean1 day ago
+23
Mystery Inc. would have solved this in a single spooky night
23
wickedsmaht18 hr ago
+1
The CA DOI moves very slowly in their investigations and they only consider referrals for investigation if there is a provable element of fraud. It’s annoying on the insurance end because you may pay something that’s clearly fraud and they won’t bring charges until a few years down the line.
1
Puzzleheaded-Bag83141 day ago
+11
Older high-end cars needing expensive repairs can be had for pennies on the dollar. My guess is they bought something that needed repairs, insured the car, and then file a claim saying the car was totaled, hoping to receive the full value of a good running example of the car. They got greedy, if they had said mice got into their civic they probably would have gotten away with it.
11
rpickens666123 hr ago
+8
Did they do cocaine before getting into the suit?
8
frogstampede_91 day ago
+23
Imagine being so committed to fraud you go full mascot. Wild that no one in the scheme said “this is too stupid to work.” Maybe insurers should auto-flag any claim involving “bear attack.”
23
RainyDayColor20 hr ago
+3
Many insurance companies will balk at paying full repair/replacement for animal-related collision damages, especially when the claimant reports, “I hit a \[deer, bear, elk, etc.\]” Boom, the driver failed to take sufficient preventative/evasive action to avoid hitting the deer that unexpectedly came bounding out of the brush and into their lane of travel. “Contributory negligence” = reduced payout.
Which oddly enough doesn’t seem to be the usual case out where I live in critter country with abundant deer, where many collisions happen because apparently a big rig passing by in the opposite lane initially hit the deer in their lane, instantaneously catapulting the beastie into the claimant’s vehicle, depriving that driver of any possible opportunity to avoid or evade. Passing semi to the left, wide-eyed airborne Rudolph in front, fenced treeline to the right. No way out, no options, no fault. In this scenario, the claimant didn’t "negligently" hit the deer; *the deer hit the claimant*. That projectile deer would have caused significant damage even if claimant’s vehicle was in park at a dead stop. Big rig with the splatter mark bumper sticker long gone into the dark of night. The deer won’t be taking the stand.
Prove it didn’t happen that way.
;tldr: Know your rights. The critter always hits *you*.
3
Decent_Relative_40701 day ago
+7
I feel like the idea itself wasn’t TOO terrible but the execution was embarrassingly bad lol
7
Random_Words_18271 day ago
+3
Oh, those poor poor insurance companies. Just make it harder for legitimate claims to get paid out. That's such a genius solution!
3
[deleted]1 day ago
+2
[removed]
2
Random_Words_18271 day ago
+1
Progressive profit in 2025: $11,300,000,000
Allstate: $10,200,000,000
Nationwide: $4,300,000,000
If all fraud suddenly stopped, do you think insurance companies would actually lower prices?
1
[deleted]1 day ago
-2
[removed]
-2
Random_Words_18271 day ago
+2
Youre so naive it's actually sad.
2
[deleted]1 day ago
-4
[removed]
-4
Random_Words_18271 day ago
+1
Your mother won't suck d*** for an underwriting ratio.
1
jmdierkhising041 day ago
+11
What in the scooby doo?
11
detsd21 hr ago
+2
Armenians and Fraud! Like clockwork and I’m Armenian myself this is why I stay away from all of them
2
Bearthatatethosekids19 hr ago
+3
Just get a real bear, and get real results
3
ToNoMoCo20 hr ago
+3
This is all a ruse. It was a real bear and they're training it for that one last big job
3
whiskeyandtacos19 hr ago
+2
Of course it’s Glendale 🐻
2
TundroT211 day ago
+7
I know you never fooked a beah. You know you never fooked a beah. I don't want to hear about the beah you never fooked.
7
pishposhpoppycock1 day ago
+12
Okay but this one time, in Baldur's Gate, this hunky muscular druid and I...
12
Upbeat_Job41911 day ago
+2
Their video is very amusing
2
MakesYourMise23 hr ago
+2
just coast it into a tree damn
2
Ecstatic_Wasabi_516622 hr ago
+2
Southern California, a hub for creative schemes =)
2
zalurker19 hr ago
+2
Oh stop. This is just a subplot from Barry.
2
CheezTips9 hr ago
+2
I love that they had to call in a wildlife biologist
52 Comments