Image 1 — My luck ran out
Image 2 — My luck ran out
Image 3 — My luck ran out
Image 4 — My luck ran out
▲ 67 r/InsuranceClaims+2 crossposts

My luck ran out

Unfortunately about 2 weeks ago my car got burned/set on fire. I got injured at work and couldn’t afford full coverage. The car is paid off due to another settlement I received last March. This year I got hurt at work and I am still out of work due to a painfully slow process of everything. Being on a fixed income where you only get 2/3 of your weekly wages is so difficult especially when you don’t make that much to begin with. With that being said I only put liability coverage on my car. Through no fault of my own my dad’s deck caught on fire and cooked my car sitting in his driveway and his homeowners policy won’t cover it. What’s the likelihood the engine got damaged? It’s a 2025 Subaru legacy Sport 2.4L You can’t see it in the picture but the passenger door got burned too. I know I should not drive it as a precaution. This is not an autobody question. It’s a question asking if this is safe to drive or not. Should I risk driving it to an autobody shop? My dad says I should just start it because he doesn’t see any damage, but I said there could be damage on the inside you don’t see. I would rather not have to replace the engine too

EDIT: Subaru did contact me and say that starlink said that the check engine light was on, the eyesight system was down and rear breaking

EDIT #2: I will post close up pictures of the where the bumper melted, inside the engine bay and the wheel well. Please let me know if y’all want anymore specific pictures that I did not mention and I will add them to this post in the next couple days. I appreciate all y’all’s help

u/timothyryerson — 6 days ago