Tony Hwang said:
Hi,
He is almost 24 and has been driving for ~8 years not counting learner
licencee days. He got advanced defensive driving course. Accident happend
at entrance to the freeway not far from our house. First time real
accident. Car had Mokian winter tires it is manual shift. Just happened as
he can't explain what really caused it. The road is curved and sloped down
and little bit sideways as well. I am not buying his replacement. I am
just lending him fund so he can repay me by monthly installment.
Tony....
From a financial point you may want to do the following....
Have the insurance company total it out. See what the buyback is.
Part the car out, I would imagine there are quite a few parts salvagable.
Engine/trans are worth money. Interior,dash, other running gear.
Have your kid do the work, he can think of what a jerk he was driving like
an asshole.
He needs to GROW UP and act with some shread of responsability.He got lucky
as he
didnt send himself or others to a hospital.Wrecking his car is a just
"Reward", hope he actually learns from it.
He needs to drive a "regular" car for a while, a Nissan Sentra, Toyota
Corolla, other econobox for a while.
Will give him time to "cool his jets" for a while. You say he has been
driving for 8 years? This was not a case of
a skid that got out of control.It sounds more like agressive and STUPID
risks taken on his part. HE caused this
on his own. You don't total a car getting on the freeway by simply hitting a
patch of black ice (you dont believe that shit do you)?
This is simply a case of stupidity, where your kid thought AWD would make
him invincable. Next time he might not be so lucky
and will get killed driving like an asshole.
"He can't explain it"??? bullshit! he knows exactly what happened, when it
happened and WHY it happened. He is too chicken-shit to
admit it to you and himself. Until your kid can ADMIT what he did to you and
himself this will happen again and again.Ask yourself these
questions....
Was this the first time getting on the freeway at that location?
Was this action needed to get on the freeway?
How long had he been driving this car. Did he know how it handles?
Driving for 8 years, what was he thinking? is he learning disabled or just
stupid?
Car is TOTALLED, look at this from a physics standpoint.How FAST was he
going on a onramp?
Here is what I see....
Your kid demonstrated he has ZERO common sense, no consideration for anyones
safety including his own.
He is not honest (doesnt know what happened).
Don't be an "Enabler". Let HIM figure this one out on his own. (you want him
to learn don't you) He can buy a CHEAP car to drive for a while until HE
pulls himself up.
If he is 24 he needs to build his own credit score anyways and a car
purchase will do just that.Your helping him with payments really does more
damage than help in the longrun.
Offer good advice, then standback and let HIM figure it all out on his own.
If he can't do it at 24, when will he? Will you still be buying him cars at
age 48?
Your kid got off LUCKY on this one. He needs to assess all of this and
realize where he came out. DO NOT PAMPER HIM. He needs this slap in the
face. It's a wake-up call.
What will sonny-boy do when your dead and gone? This can happen at ANY TIME.
God willing it doesnt, but his success depends on his own actions. Get him
ready for that by
training him to act on his own accord.
The best thing that can happen is he has to go buy a new/used car from a
dealer. If he can afford a new WRX then he will buy one. If he can only
afford a KIA Sephia so be it.
Maybe a $500 bomb would be a good route for him? He won't be "Styling" but
he will get to work in it......