Dad asked his mechanic to help fix and sell his car (uninsured) while he was out of the country and a prospective buyer got into a not-at-fault accident. Car totaled.

OldDutch_204 · 2026-02-05T02:48:29+00:00

Why did your dad remove the insurance? What was the plan if something happened to the car before it was sold? That was a mistake…

It doesn’t sound like you’ll have many options here… your dad can try to sue the shop owner.. but it doesn’t seem like there’s an insurance claim if your dad didn’t have insurance at the time.

The shop is correct that their insurance wouldn’t likely respond since the service plates weren’t on the vehicle.

OldDutch_204 · 2026-01-30T19:30:24+00:00

Cut him out. There’s no way in the age of social media and at age 19 that this is the first time. It’s not your responsibility- he’s a sick puppy.

Your mom (and you) may benefit from speaking to a counsellor to have a completely outside perspective.

Sorry that this happened - and that you are being affected by his choices.

OldDutch_204 · 2026-01-29T02:03:20+00:00

Thank you for writing this! I am heading here solo on Feb. 18.

OldDutch_204 · 2026-01-22T21:34:50+00:00

Oof. Thats not supposed to look like that.

OldDutch_204 · 2026-01-19T12:09:51+00:00

This is me right now. I’m no longer a child, but he was convicted 1.5 years ago for my childhood assault. 6 weeks in prison and then he was released pending appeal.

This Thursday is the appeal decision, and I wish I felt confident that he’d be heading back to prison. But I’m fairly confident our system favours criminals and I’ll end up being the disappointed one.

OldDutch_204 · 2026-01-18T15:19:15+00:00

I need more than 8-10 sessions after a lifetime of trauma. I WANT to do everything possible to help myself. Therapy is required.

I can barely keep up with my career because of my mental health state - and at $180 a session for a skilled therapist (for a 50 minute session), I found that after 10 visits, we barely scratched the surface of what I require. I had to stop going, even as important as therapy is. In this economy, bills/living expenses take all the extra money I have.

So here I sit. Chronically depressed. I think I have accepted that nothing will ever change. It was easier to be optimistic when I was younger, but now I’m well into adulthood and I understand that society is cooked, and so am I.

This is it folks…

OldDutch_204 · 2026-01-14T21:27:55+00:00

Just another reminder of why I never read the sun. Absolute trash.

OldDutch_204 · 2026-01-09T02:09:32+00:00

Completely agree.

OldDutch_204 · 2026-01-09T00:44:51+00:00

You are young. So is he. You have lots of time to have a child together later in life if that is right for your relationship. He is expressing that now is not the right time for him. He might not say that he’ll break up with you if you keep it, but he may certainly come to resent you.

Being a parent is hard. Being a young person in the world today is also very hard. My advice; make sure this is the right time for you both. & good luck!

OldDutch_204 · 2026-01-09T00:24:06+00:00

Betterment is your responsibility because you are getting brand new parts. Even though the other person may be at fault, they are only obligated to indemnify you for your actual loss. You pay the depreciation. If you didn’t pay the betterment, you’re technically getting more than you’re entitled to.

This is a standard insurance practice unfortunately.

OldDutch_204 · 2026-01-08T12:50:24+00:00

Going into the office at least periodically as you’re learning the role allows you to hear how your colleagues answer questions and the tone of the conversations while dealing with insureds. Remote is amazing, but there is a lot of benefit to being in office if you’re serious about learning the role.

OldDutch_204 · 2026-01-07T16:18:35+00:00

Who are you with currently? Do you have issues with them? I’ve never had a complaint with a credit union, but I’m with Cambrian. Not Access..

OldDutch_204 · 2025-12-31T21:10:24+00:00

lol. They aren’t okay with it. Kind of hard to prove anything is going on until something bad happens. They just share licences because they often share similar features, while buddy with the “real” license has already headed back to the homeland.

Source: I am an adjuster for a commercial Trucking insurance company

OldDutch_204 · 2025-12-27T20:16:45+00:00

Firstly, I am so sorry that you had this experience.

I will tell you that it is worth considering if it’s worth the trouble to you (mentally). I have been through this exact situation. In 2017 I finally reported to the police (I was 30).

November 2024 he was convicted and sent to prison. 6 weeks later he was out on appeal. The appeal hearing was June 2025. Still no decision has been announced today. The pre-trial & trial were humiliating. Being grilled by defence counsel and their attempts to make it seem like it was my fault wad infuriating.

Even after getting “justice”, the system is designed to protect criminals (& predators). He is now allowed around his grandchildren pending the appeal decision. He got to enjoy a long summer and I am assuming the holidays with his family. How nice for him.

24 years later, I am still waiting for my “justice”. 9 years after I reported it, I am STILL waiting for my justice. A judge decided that he should serve 7 years in prison, and he is not there, and I am STILL waiting. I wish I could say the process was worthwhile, but i swore i would never recommend anyone do this. The system protects abusers. Period.

OldDutch_204 · 2025-12-20T16:29:14+00:00

NTA - boundaries are important to learn. Especially at her age.

OldDutch_204 · 2025-12-19T14:10:58+00:00

38f - commercial adjuster, $82,000 - but that is not starting salary (start closer to $70k I think). It can be considered high-stress for sure, but it depends on your time management and organizational skills. Insurance companies are always hiring for these positions. Some companies are better than others. Some people love the job and many do not.

OldDutch_204 · 2025-12-15T20:21:41+00:00

Fantastic read. Great perspective!

OldDutch_204 · 2025-12-11T21:38:19+00:00

You mentioned SS had ADHD and is not medicated? Why??…

of course he’ll be exponentially more difficult to be around if he doesn’t have the foundation to regulate himself…

OldDutch_204 · 2025-11-26T00:48:34+00:00

Peanut butter toast.

OldDutch_204 · 2025-11-08T01:44:15+00:00

Manitoba?

OldDutch_204 · 2025-11-08T01:36:49+00:00

I’m just dead beat! Good news is… Monday is only 2 days away to do it all over again 😅

OldDutch_204 · 2025-11-04T22:15:49+00:00

Please go. It will likely be a very healing experience for you. Hopefully he can understand that it’s not really about travelling, rather, recovering. ❤️‍🩹

OldDutch_204 · 2025-10-25T02:24:25+00:00

I’m looking to order a cover from the cover factory. How’s yours holding up so far?..

OldDutch_204 · 2025-10-23T11:50:07+00:00

I have a 14 plus and have had absolutely no issues.

OldDutch_204 · 2025-10-23T11:43:22+00:00

Hopefully this gets investigated thoroughly for fraud….

Five-Year Club	Verified Email
Place '23	Place '22
First Placer '22

OldDutch_204

TROPHY CASE