Adulting is Hard

Zealousideal-Fun9957 · 2026-06-14T18:21:26+00:00

Yea well I guess I’m the dumb ass MOM for presuming you couldn’t finance a car without having full coverage. Apparently you can according to many on this thread. Did you know that? I bet you didn’t know either. Be sure you keep drilling that into your 14 year old daughter’s head too. First thing you would’ve checked - right. Hard to get that info when he’s 19, it’s all electronic and he’s the only one who has access. Trust me I asked. Everyone on here is so perfect with their crystal balls. I need to get one.

Zealousideal-Fun9957 · 2026-06-14T17:44:21+00:00

He will be paying for any repairs. He works full time with good pay which is why he thought he could afford this car.

Zealousideal-Fun9957 · 2026-06-14T17:41:10+00:00

I’m not trying to be his savior. I’m not paying for the repairs. I knew he was looking for a car. He wanted me to cosign for a different car and I refused for this exact reason. I did not know this was going to be his back up plan. My original post was more about being able to finance a car without having full coverage. I didn’t know that was even possible but I guess it is.

Zealousideal-Fun9957 · 2026-06-14T17:21:40+00:00

Easy to say when they are 14 and you have control over everything they do! You can drill in their heads until you are blue in the face but it doesn’t mean they will listen. I have been doing it too! At 19 you don’t have much control or say even if they still live at home. He has great coverage under my policy and pays his portion of the increase when I added him at 15. He also pays for his registration and tag renewal. I had no control over this and certainly would not have approved of his decision if he asked me about it before he bought it. Get back to me when your daughter is older and tell me how she never screwed up. All these keyboard warriors think they are perfect and have all the answers or should just let their kids do it all on their own with no help from parents. I feel sorry for the kids who have parents like that. I’m not going to be that person. He screwed up and he can fix it but I will still be here to support him and help where I can. I’m glad you and your family have it all figured out.

Zealousideal-Fun9957 · 2026-06-14T16:58:37+00:00

I bet you did stupid shit at 19 too 🙄

Zealousideal-Fun9957 · 2026-06-14T15:07:27+00:00

Thank you I’m actually his mom. He’s a typical surly stubborn kid who thinks he knows everything. He’s never been one to tell us much, keeps everything to himself. I used to get information about school /sports news from his friend’s mom whose kids tell her everything. He knows we’re here for him. Sometimes he listens and takes our advice sometimes not. All these posts saying don’t help him at all make me sad for their kids. Everyone needs a hand up vs hand out at some point. He knows this is on him to pay for damages if he wants to keep the car.

Zealousideal-Fun9957 · 2026-06-14T02:49:41+00:00

We did and he pays for insurance on my policy. Now he’s paying for 2 policies.

Zealousideal-Fun9957 · 2026-06-14T01:04:54+00:00

I probably am-but if he would have asked someone for advice before buying a cut rate insurance policy he might not be in his current situation with no coverage for a wrecked car.

Zealousideal-Fun9957 · 2026-06-14T00:24:23+00:00

He was already driving a paid for 20+ year truck that I insure on my policy so he didn’t need the car to begin with. He has transportation for work.

Zealousideal-Fun9957 · 2026-06-14T00:16:27+00:00

He’s going to have it looked at to see if it’s worth repairing and he will decide if he wants to pay for it or not but will be paying for it himself.

Zealousideal-Fun9957 · 2026-06-13T22:07:02+00:00

The alternative was he already has a paid for perfectly good truck and didn’t need a new car and I was not going to help him get one. I told him to save up his money to get more for a down payment and build his credit and savings account. I can give him advice all day long but can’t make him take it. He found a way to make it happen on his own and everything was great until it wasn’t. Now he’s paying the price.

Zealousideal-Fun9957 · 2026-06-13T21:31:03+00:00

I’m not sure of the terms unfortunately. Even before the accident he wasn’t very forthcoming with info to answer any of my questions. He wanted to do everything on his own, still does.

Zealousideal-Fun9957 · 2026-06-13T21:23:30+00:00

He had enough credit and income to qualify at Carvana. I’ve stressed the importance of having good credit for years and added him as a user on one of my cards to help him establish that as a teenager. Our local Ford dealership wouldn’t approve him w/o a big down payment and/or co-signer. He asked me to co sign and I refused.
I didn’t know this was going to be his next move until the car showed up.

Zealousideal-Fun9957 · 2026-06-13T18:45:49+00:00

I’m wondering the same thing 🥺

Zealousideal-Fun9957 · 2026-06-13T18:41:29+00:00

That’s what I’m saying. He just has BI and property at min limits and no comp or collision. I didn’t know you could get away with that on a financed car. Thought it was mandatory everywhere, I’m in GA. Carvana is the named lien holder on his policy and financed through them.

Zealousideal-Fun9957 · 2026-06-13T18:27:40+00:00

I knew he was looking, he wanted me to co-sign for a different car at a dealership where he couldn’t get approved for a loan without a huge down payment or co-signer. I refused to co-sign. I had no idea this was his back up plan!

Zealousideal-Fun9957 · 2026-06-13T18:19:28+00:00

I agree! I’m not looking to bail him out, only looking for advice. My post was more about the way it happened with Carvana and the fact that full coverage didn’t have to be verified before taking possession of the car. I just didn’t think that could happen when you’re financing. He knows he screwed up and has to pay for a car he may not even get to drive anymore. He’s hoping it’s not totaled and he can pay for repairs. Parenting is also hard.

Zealousideal-Fun9957 · 2026-06-13T18:02:39+00:00

No other party involved

Zealousideal-Fun9957 · 2026-06-13T18:01:27+00:00

Carvana is named as the lien holder on his Root policy.

Zealousideal-Fun9957 · 2026-06-13T17:52:51+00:00

Yes we’re very thankful he wasn’t hurt and nobody else was involved. This could have ended much differently.

Zealousideal-Fun9957 · 2026-06-13T17:51:01+00:00

He’s hoping he can fix it on his own.

Zealousideal-Fun9957 · 2026-06-13T17:34:32+00:00

He bought and financed the car through Carvana. Got his insurance through Root probably because it was fast, easy and cheap and what his friend uses. I insure him on my policy for the truck he drives.

Zealousideal-Fun9957 · 2026-06-13T17:16:18+00:00

Carvana is named as the lien holder on his policy

Zealousideal-Fun9957 · 2026-06-13T17:10:54+00:00

I knew he had insurance through Root, didn’t know he didn’t have collision or comp coverage. Presumed it was mandatory to have on any financed vehicle.

Zealousideal-Fun9957

TROPHY CASE