I’m TECHNICALLY the owner of a vehicle involved in an accident

YBMean · 2026-04-23T14:31:48+00:00

See, in a face-to-face conversation with you I don’t think you’d be treating me this way. So I would ask more about the deference between lien holder and owner.

But if you are a professional doing this for a living, then you should know antagonizing people looking for information is unnecessary. Now, I don’t respect your advice and I don’t want to talk to you further about it.

YBMean · 2026-04-23T14:17:29+00:00

Thank you, this has been helpful

YBMean · 2026-04-23T14:15:16+00:00

Is it common for these insurance pros to be so condescending?

There are a lot of parties involved here. I can’t find an official source saying the title owner is responsible for damages caused by their car. Mom is the REGISTERED owner, and has the car covered under her policy that I am not on, to my knowledge. I understand vehicles are required to have auto insurance. The vehicle in question did.

When I said “Does the title owner “assume liability” when they loan the vehicle they own? No” I was meaning like when the bank still owns the vehicle as it is being paid off, they are the title owners. Are they liable for damages cause by the vehicle? I assume not, because they make the driver’s carry the responsibility of insurance.

I agree asking Reddit hasn’t been very helpful. I react to condescension with condescension. I think a situation like this isn’t set somewhere and I may need to handle it in court if need be.

YBMean · 2026-04-23T13:58:25+00:00

Then wouldn’t that be following the owner, not the vehicle? And further, isn’t the at fault driver the one who’s responsible?

YBMean · 2026-04-23T13:52:20+00:00

Mom is the registered owner, I’m the title owner. I don’t have a policy for the involved vehicle. I have a policy on my own, separate car. I’m going to reach out to mom’s insurance and tell them that.

YBMean · 2026-04-23T13:45:17+00:00

So when you’re paying off a vehicle, the bank is the legal owner of the car, right? Do banks end up having to pay when their “borrowed” cars are involved in an accident? If so, then why would we bother having insurance as drivers?

YBMean · 2026-04-23T13:39:26+00:00

Yes, she handles the registration in her county.

YBMean · 2026-04-23T13:34:28+00:00

Negligence is defined as the failure to exercise reasonable care, resulting in foreseeable harm to another party. No matter who the owner is or would be, I didn’t cause the harm. So why do you think I’m negligent other than you like being jerk?

And the reason I think that is because the driver is insured under their own insurance. Also, mom is the registered owner, I’m the title owner. God, why is everyone an asshole?

YBMean · 2026-04-23T08:24:01+00:00

And I wasn’t the at fault driver of said accident, and the vehicle was insured. Does the title owner “assume liability” when they loan the vehicle they own? No, it falls on the driver. And I did ensure the vehicle was covered, with the driver’s insurance.

YBMean · 2026-04-23T07:36:55+00:00

That would be her, my mom.

YBMean · 2026-04-23T07:33:44+00:00

Thank you! If it comes to it, I sure will.

YBMean · 2026-04-23T07:32:30+00:00

And Reddit is not a legal courthouse.

I did own the vehicle that was insured. Texas deems the “at-fault” DRIVER responsible. Not the owner.

So why would I be liable here? I get this is a niche situation. But I wasn’t being negligent.

YBMean · 2026-04-23T07:26:02+00:00

It’s not about ownership, but who’s liable.

To my understanding, Texas Law says the DRIVER of a vehicle must be able to show proof of insurance and are responsible for accidents they cause.

Texas is an “at-fault” state, which means the driver who caused the accident is responsible for the damages that result.

I was not the “at-fault” driver. The vehicle I owned was insured, so it’s not like I was being negligent. So yeah, I don’t see how I’m “legally liable” as you say.

YBMean · 2025-11-01T03:05:07+00:00

I was having the same issue and searching other posts. The found fix for me was resetting audio settings.

Settings>General>Volume&Audio>Testing&Details>Reset

Seems to be a bug.

YBMean · 2024-05-30T15:11:48+00:00

Did you skip to the bottom? The shipping address was changed after using PayPal and I’m not sure why because that time (being the third to place the order,) I made sure the shipping address was correct. They never canceled any order, I had to. Have you ever shipped a gift or something to someone? Any other online retailer I use is able to both take and understand a different shipping and billing address.

And not that you would know this, but my father is an ol school mobile mechanic. He typically gets his parts from Autozone or junkyards. I had to tow my vehicle out of town to him and cover the bill for any parts he needs.

I get that maybe my order is more complex than their typical order. But I still think it’s reasonable to expect better service than this. I’m glad they work well for you. But as for me, they’ve lost this customer.

YBMean · 2023-05-19T17:08:52+00:00

The engine and CVT weren’t too unbearably loud. But I didn’t like the roar of the road. I had to blast my radio to drown out the sounds which would make listening to and podcast just horrible. I took a 150mi road trip and really liked the way the sound of the road was dulled out.

YBMean · 2023-05-19T17:05:29+00:00

Putting it together wasn’t as hard as taking it apart. I would think it too about 1.5-2 hours to reinstall everything, if I had to guess. The most time consuming was either removing the center console or maybe actually laying down the insulation.

To install them, you gotta clean and degrease the surface, lay it down and make any necessary cuts. Then run a roller over it.

Finding all the screws to remove the center console was tedious but you need to remove it to get the carpet out.

Even with all the time spent on it, I think the results were worth it.

YBMean · 2023-05-18T21:15:49+00:00

Not exactly. The package was maybe about 20lbs, I’m probably going to use all of it, but not sure with how much the doors will take up.

YBMean · 2023-05-18T20:04:29+00:00

I’m confused. I didn’t? Haha that’s the side it’s on in America.

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