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Life sucks *Update - found the car*

episodic

Lifer
My mom (72 years old)'s car just got stolen. She has a heart condition and lives in a neighborhood that has been falling apart the last 10 years. The only reason she stays is she owns her house and you can't sell houses in this area. It was a 92 tercel. She used it to make a trip around town and to the doctor twice a month.

It had 50,000 actual miles.

Sigh. She makes in on a small pension and social security. She doesn't have alot save for another car and I'm in the middle of a move and I am tapped financially to the hilt and have no credit to let her have.

She only had liability insurance. She called the police at 8:00 - it is an hour later and still no officer has arrived to take a report. I figure the car has already been disassembled.

I wish I were doing well now so I could help her more. I'm 'just' making it with the wife off for a major knee surgery.

Sigh.

-------

Update:

Well it seems the police found the car in front of an apartment housing complex.Guess they are not going to bother seeing who in the small apartment complex actually stole it - it seems. I guess they don't do things like dusting for prints and running them against people in the system already and stuff - - but I digress.

They towed it to a mechanic shop, and it seems the lads (or girls) that stole it didn't know how to drive a standard shift and completely burned out the clutch on it. Well, of course it already cost her 100$ for the tow and the guy that it was towed to will charge 500$ to do the clutch - or she can spend another 100$ and have it towed somewhere else. I'm just glad they found it, but at least she has the money to handle it.
 
Sorry to hear about your Mom. I don't know if public transportation is an option, but most transit authorities have programs for senior riders Link
Here in Dallas the cost of auto insurance will more than pay for a monthly ticket. Good luck man.
 
Why would she only have liability insurance if she couldn't buy a new car if she needed one.....seems silly too me. how much could insurance for a 72 year old on a 92 tercel possibly be?
 
Originally posted by: IcebergSlim
Why would she only have liability insurance if she couldn't buy a new car if she needed one.....seems silly too me. how much could insurance for a 72 year old on a 92 tercel possibly be?

I'd like to feel bad also but you speak the truth, full coverage probably would of netted $5-10 more a month
 
Originally posted by: Capt Caveman
Originally posted by: CasioTech
< Confuscious > when you let 3rd world country in, it becomes 3rd world country. < /Confuscious >

Boy, that's an ignorant and idiotic statement.

yes, because the crime rates in Texas, Miami, and LA have proven me wrong.
 
Originally posted by: IcebergSlim
Why would she only have liability insurance if she couldn't buy a new car if she needed one.....seems silly too me. how much could insurance for a 72 year old on a 92 tercel possibly be?

B/c she probably couldn't afford comprehensive insurance which could be several hundred dollars a year. Liability is required and shields her from losing her assets/home if something were to occur.
 
Originally posted by: CasioTech
Originally posted by: Capt Caveman
Originally posted by: CasioTech
< Confuscious > when you let 3rd world country in, it becomes 3rd world country. < /Confuscious >

Boy, that's an ignorant and idiotic statement.

yes, because the crime rates in Texas, Miami, and LA have proven me wrong.

And where does the OP's mother live? Mexico isn't a 3rd world country. Grow-up
 
Originally posted by: Capt Caveman
Originally posted by: CasioTech
Originally posted by: Capt Caveman
Originally posted by: CasioTech
< Confuscious > when you let 3rd world country in, it becomes 3rd world country. < /Confuscious >

Boy, that's an ignorant and idiotic statement.

yes, because the crime rates in Texas, Miami, and LA have proven me wrong.

Mexico isn't a 3rd world country. Grow-up

yes it is
 
Originally posted by: Capt Caveman
Originally posted by: IcebergSlim
Why would she only have liability insurance if she couldn't buy a new car if she needed one.....seems silly too me. how much could insurance for a 72 year old on a 92 tercel possibly be?

B/c she probably couldn't afford comprehensive insurance which could be several hundred dollars a year. Liability is required and shields her from losing her assets/home if something were to occur.

Several hundred a year but now she is going to be out MANY THOUSANDS.
 
Originally posted by: Capt Caveman
Originally posted by: IcebergSlim
Why would she only have liability insurance if she couldn't buy a new car if she needed one.....seems silly too me. how much could insurance for a 72 year old on a 92 tercel possibly be?

B/c she probably couldn't afford comprehensive insurance which could be several hundred dollars a year. Liability is required and shields her from losing her assets/home if something were to occur.

No way on that car. I agree with AMDZen, would've been $5-10/mo more max.
 
Originally posted by: Anubis
Originally posted by: Capt Caveman
Originally posted by: CasioTech
Originally posted by: Capt Caveman
Originally posted by: CasioTech
< Confuscious > when you let 3rd world country in, it becomes 3rd world country. < /Confuscious >

Boy, that's an ignorant and idiotic statement.

yes, because the crime rates in Texas, Miami, and LA have proven me wrong.

Mexico isn't a 3rd world country. Grow-up

yes it is

Really? Did this happen just a minute ago?

http://en.wikipedia.org/wiki/Mexico

Economy

Mexico has a free market mixed economy, and is firmly established as an upper middle-income country.[66] It is the 12th largest economy in the world as measured in Gross Domestic Product in purchasing power parity.[67] According to the latest information available from the World Bank, Mexico had the highest Gross National Income per capita in Latin America, both in nominal terms and in purchasing power parity(PPP), at $7,830 and $11,990 respectively in 2006.[68] After the 1994 economic debacle, Mexico has made an impressive recovery, building a modern and diversified economy.[66] Recent administrations have also improved infrastructure and opened competition in seaports, railroads, telecommunications, electricity generation, natural gas distribution and airports. Oil is Mexico's largest source of foreign income.[69] According to Goldman Sachs BRIMC review of emerging economies, by 2050 the largest economies in the world will be as follows: China, United States, India, Japan, Brazil, and Mexico.[70]
 
Originally posted by: Capt Caveman
Originally posted by: CasioTech
Originally posted by: Capt Caveman
Originally posted by: CasioTech
< Confuscious > when you let 3rd world country in, it becomes 3rd world country. < /Confuscious >

Boy, that's an ignorant and idiotic statement.

yes, because the crime rates in Texas, Miami, and LA have proven me wrong.

And where does the OP's mother live? Mexico isn't a 3rd world country. Grow-up

Doesn't say anywhere that she lives in mexico. I agree with you though, casio's post was ignorant and bigoted.
 
Originally posted by: dainthomas
Originally posted by: Capt Caveman
Originally posted by: IcebergSlim
Why would she only have liability insurance if she couldn't buy a new car if she needed one.....seems silly too me. how much could insurance for a 72 year old on a 92 tercel possibly be?

B/c she probably couldn't afford comprehensive insurance which could be several hundred dollars a year. Liability is required and shields her from losing her assets/home if something were to occur.

No way on that car. I agree with AMDZen, would've been $5-10/mo more max.

Then factor in the neighborhood she lives in.
 
who the fuck said anything about mexico? NOT ME.

ever heard of nicaragua? a lot of Middle and South America are also third world nations.

Mexicans aren't the only ones who live here illegally.

On the subject, mexico isn't 3rd world anymore because only the rich populous still live there.

 
comprehensive insurance is only responsible to replace the value of the 1992 vehicle, which wouldn't be much...now if were talking insuring for replaceable value, then the premiums would be much higher as it would cost more to replace it.

But be realistic, what is the value of the 1992 vehicle? a couple hundred dollars? it was worth more to her because it was hers and in good shape, but on the wholesale market?

Mark

 
Originally posted by: meister
comprehensive insurance is only responsible to replace the value of the 1992 vehicle, which wouldn't be much...now if were talking insuring for replaceable value, then the premiums would be much higher as it would cost more to replace it.

But be realistic, what is the value of the 1992 vehicle? a couple hundred dollars? it was worth more to her because it was hers and in good shape, but on the wholesale market?

Mark

Meister for win - to insure it for 'market value' wasn't bad. Full replacement value - she couldn't handle the payments. Also, like it or not, like most older people, she had dealt with one agency for many, many years - and she was 'loyal' and wouldn't shop around (despite me trying to get her to over time). Some of you will understand this - some of you won't - but she did what she thought was best with the money she had. She honestly though noone would ever go to the trouble to steal an old 92 four banger car with the paint peeling (from parking under a sappy tree) for years. She just did what millions of older people do - got by. I know some of you have the 'you should have insured it' tough - attitude. Well, that is your right of course, but please understand you are talking about a fragile elderly woman with medical bills and just does the best she can.
 
Best of luck to your mom.

Do you have any siblings who could pitch in towards a basic replacement car?
 
Originally posted by: CasioTech

On the subject, mexico isn't 3rd world anymore because only the rich populous still live there.

OP: does she know any of the neighbors? If she only needs a bi-weekly trip, do you think any of them could at least take her to the bus stop? Possibly there are programs to help with such a thing?

Casio: you've obviously never been to Mexico.
 
Damnit, That sucks. I think the public transportation idea is best. I live in a neighborhood in Houston that has a relatively older population of homeowners. I see mini-busses making many stops around our neighborhood... many that have wheelchair access and assistance for loading/unloading the bus. Until she's able to scrounge the money together I'd say that's the best bet. If she really only used the car 2 times per month for going to/from the Dr.'s officer, the public transportation is probably a lot more practical than owning a car, anyhow. (I assume you're a good son or daughter and can take her out from time to time so that she doesn't stay too lonely? 🙂 )

The other option is that she will rely on some of her friends that still have cars and go out.

Good luck, I know things can get harder as people get older... hope she's able to get by.

Really, really makes me upset to think your mom was victimized by idiots deciding to steal a 92 Tercel.
 
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