The ignorance and arrogance here are breath-taking. Sure, he's got insurance. But, it won't completely cover the cost to buy a new car, so if his stolen car was paid off, now he has a car payment he didn't have before. Not to mention, his insurance payments will sky-rocket, because he filed a claim, even though it's not his fault the car was stolen. Add to that, the amount of time he's going to have to put into filing all the paperwork for the claim, looking for another car, etc. And that's even if the insurance pays off, because the thug jumped into an "unlocked" car, and some insurance policies don't pay off on that. But, hey, go with it. He isn't being harmed by your thug brother stealing the car, because "he has insurance."
Not only that High rates of crime raise the insurance premiums of everyone who lives in that area. Yes, the zip code where you lay your head, park your car etc in no small way determines what your insurance rates will be. It’s based on statistics. She brought it up. It’s a little cold to be discussing these facts of life, she doesn’t have a clue. Sad.
I’m sorry her brother wasn’t doing the right thing, offhand comments about “that’s what insurance is for” is “cray cray” as the kids like to say. The sad thing is crime is excused, penalties reduced, society gets more of it. Car theft in California used to get 5 to 10 years at the Q. They probably don’t even bother to file a report anymore. But don’t you be driving 29 in a 25!