Hypothetical WWYD? (update page 4)

[Disney1fan2002]

Please read this scenerio CAREFULLY. Read every detail.


Let's say you have a friend. This is a really close friend, you have known for 26 years. This friend has been very generous over the years, even giving you a 5 night reservation at Disney's OKW resort. There is a future trip planned in 2010 with friend offering you a 5 night studio reservation. Your friend does not want to rent you the nights, but give them to you.

Your friend came into a jam, when one of their cars broke down and needs an engine. Your friend's husband was in need of a vehicle, as they did not have the money to replace the engine right away. You have many cars. Some are registered and legal to drive. Your friend calls you up and explains their situation. Your friend asks if you could allow them to borrow a car until they got the money to pay for an engine. The friend has always been there to help you out, so you were happy to allow them to borrow the car. The car has a little problem, that you haven't really had the money to fix. The friend, happy that you agreed to allow them the car, offers to have the car fixed, as a gratitude. You tell the friend it will be around $300 to fix it. Your friend thinks they will need the car until they get their tax return back, then they will have the money to replace the engine, and fix your car. The friend borrowed your car around the middle of December.

A few weeks ago, you realized your friend's husband was driving the car, while you have been making payments on the insurance. In the meantime, your friend took your car to a garage and got an estimate to fix it. It is not $300 but $486. It's much more than you told them it would be, but your friend still agrees to pay to have it fixed. Would you ask this friend to reimburse you for the insurance?
Insurance cost $119/month. You would want Dec, Jan and Feb payment. Also, the car's safety inspection sticker was due the end of January. It cost $29 for a new one, good for the year. Should your friend pay $29 for a safety sticker when the car will be returned this week?

So, when your friend borrowed the car, the offer was to fix it at around $300, but with the insurance and safety inspection, your friend would be paying you $386 and getting the car fixed for $486. Total $872... when friend only offered to get the car fixed at $300.

WWYD?

 

[EthansMom]

Since I would have had to pay for car insurance and safety inspection on the car anyway, I would not charge my friend for that expense. I think the friend's offer to pay for the car's repairs is pretty generous.

I think it's very nice of you to loan your car to your friend. But, you should know that if your friend or her husband gets in a car accident while driving your car, you could be sued (by the friend or the driver of the other car) for damages! I would call the insurance company and ask about having the friend and her husband added as drivers on that car for your policy. Ask them to pay any increase in your rates.

 

[okeydokey]

If I offered the car to a very dear and generous friend i would pay the insurance and the sticker.

Which friend are you?

 

[DisneyMomOK]

Please read this scenerio CAREFULLY. Read every detail.


Let's say you have a friend. This is a really close friend, you have known for 26 years. This friend has been very generous over the years, even giving you a 5 night reservation at Disney's OKW resort. There is a future trip planned in 2010 with friend offering you a 5 night studio reservation. Your friend does not want to rent you the nights, but give them to you.

Your friend came into a jam, when one of their cars broke down and needs an engine. Your friend's husband was in need of a vehicle, as they did not have the money to replace the engine right away. You have many cars. Some are registered and legal to drive. Your friend calls you up and explains their situation. Your friend asks if you could allow them to borrow a car until they got the money to pay for an engine. The friend has always been there to help you out, so you were happy to allow them to borrow the car. The car has a little problem, that you haven't really had the money to fix. The friend, happy that you agreed to allow them the car, offers to have the car fixed, as a gratitude. You tell the friend it will be around $300 to fix it. Your friend thinks they will need the car until they get their tax return back, then they will have the money to replace the engine, and fix your car. The friend borrowed your car around the middle of December.

A few weeks ago, you realized your friend's husband was driving the car, while you have been making payments on the insurance. In the meantime, your friend took your car to a garage and got an estimate to fix it. It is not $300 but $486. It's much more than you told them it would be, but your friend still agrees to pay to have it fixed. Would you ask this friend to reimburse you for the insurance?
Insurance cost $119/month. You would want Dec, Jan and Feb payment. Also, the car's safety inspection sticker was due the end of January. It cost $29 for a new one, good for the year. Should your friend pay $29 for a safety sticker when the car will be returned this week?

So, when your friend borrowed the car, the offer was to fix it at around $300, but with the insurance and safety inspection, your friend would be paying you $386 and getting the car fixed for $486. Total $872... when friend only offered to get the car fixed at $300.

WWYD?

The two res at OKW (10 nights in a studio) could have/be rented for around $1000 (about $100 a night). She sounds like a wonderful friend. If I could afford to eat the insurance, I would. The safety inspection sounds a little petty, but, I don't know what your situation is, either. Good luck. I hope your decision keeps your friendship intact.

Uh-oh, so now I wonder which friend you are. Car repair should be the max. If the friend wants the remainder, I would rent those DVC points to someone that was not a "friend" and let them know that the rental was necessary to cover the car expenses.

 

[Disney1fan2002]

Since I would have had to pay for car insurance and safety inspection on the car anyway, I would not charge my friend for that expense. I think the friend's offer to pay for the car's repairs is pretty generous.

I think it's very nice of you to loan your car to your friend. But, you should know that if your friend or her husband gets in a car accident while driving your car, you could be sued (by the friend or the driver of the other car) for damages! I would call the insurance company and ask about having the friend and her husband added as drivers on that car for your policy. Ask them to pay any increase in your rates.

The friend's engine was replaced, they will be returning the car this week, after it get's fixed. But they are done using it.

 

[DawnCt1]

She is paying more for the repair than anticipated. You never mentioned the monthly insurance payment. The inspection sticker is good for an entire year and you are getting the car back next week. On the other hand, you are getting 5 nights free lodging at WDW. In the end, it sounds like you are getting the better deal. The problem comes when you accept an expensive gift, and you are expected to reciprocate. Personally, I would be pretty anxious about lending someone a car that could impact my insurance, but that is the deal you agreed to

 

[dimimi]

I would stick with the original plan. When you lent the car you knew you had to pay insurance and you would have paid insurance whether they used the car or not.

Also, considering how much money you have been given from your friend...ie in hotel rooms, I would not ask for the $$ for insurance. I think it is nice she is paying the bill for the car repair.

It sounds like you are good friends, it is always better to give then to receive. JMHO

 

[Nennie]

Don't know which friend you are, but friend #2 should not have to pay friend #1's car insurance or inspection. It was generous of friend #2 to pay for the repairs.

 

[mtemm]

am guessing your friend wants you to pay for stuff you weren't expecting to pay for (the sticker and insurance). its too bad that stuff wasn't discussed upfront, and it stinks because these are the types of things that can tear a friendship apart.

as for my opinion? my first instinct is that whatever was agreed on is what should be paid. the $400 isn't that much more, so paying for the car repair would be a given (to me). the insurance and inspection sticker are different, though. I mean, do you pro-rate the $30 inspection fee? divide it by 12 months, blah blah blah. as for insurance, were they added as a driver on the car owners insurance? it wouldn't occur to me to insure the car that I borrowed for a couple of months, and I guess I would assume (since it wasn't discussed upfront) that the lender already had insurance on it.


good luck with whatever side you are on, and whatever you plan to do about it.

 

[tw1nsmom]

No way! If I'm reading this right this car was already licensed and insured. It would have been so if the friend was driving it or not. The friend has given many generous gifts in the past and didn't ask for compensation. There's just no way I would ask for more money or try to make money off a friend.

 

[Bluestars]

I think when people make an agreement, they should stick to the original agreement. I don't think it's fair to ask someone to pay more for something later down the road. If the friend was asked to pay for the insurance up front, then the friend might have chosen not to use the car at all.

After everything is said and done it is a little late to ask for more money. Plus, the use of the resort has been a very generous gesture on the the friend's part.

No, I would not expect the friend to pay anything over the original $300 agreed upon amount.

 

[Disney Doll]

If my friend had been so generous as to give me vacation points and pay to have my car fixed, I would not be charging them for insurance and sticker costs for a car they have been borrowing.

 

[Liberty Belle]

No way would I ask them to pay insurance.

 

[Teresa Pitman]

Honestly, unless you are really broke and need that money to get by, I think the friend who loaned the car shouldn't charge for the insurance and sticker money. This friendship is worth more than that.

Teresa

 

[Camicar]

Not only would I not dream of asking her to pay for insurance, I probably would have ponied up the repairs expense over $300. In both cases, the car owner would have had to make those payments anyway. And they got the car repair of $300 for free to boot. The car owner friend is getting the best part of this deal and should shut her trap.

 

[DisneyBamaFan]

I think that you sound like friends who really care about one another. I would hate to see a few hundred dolllars come between you. No matter which side you are on, trust that your friend has a good reason for whatever she is asking and let it go.

Good luck...

 

[Liann]

If I were the one borrowing the car I would have insisted on getting my own insurance to protect myself. There would have been no issue there but the sticker? No way, not my car.

My general rule is never ask for more money at the end of a deal, it'll never end well. If the expense was hurting me then I would have mentioned they needed to get insurance the first time it came due.

Good luck.

 

[OceanAnnie]

The friend wants to pay the full amount to have the car repaired (above and beyond the $300). I think that's pretty generous + the vacation accommodations.

I wouldn't ask for more than that.

 

[clgwli]

Unless insurance was discussed in the beginning, I would not charge for that. Honestly I wouldn't think much of insurance costs to begin with though since ours is no where near that per car. We've had family and close friends use a car once or twice for a month or so and never charged anything.

The inspection sticker is honestly a petty thing to even argue about. Why would the borrower pay for something for a year (I assume) if they are only using it a few months?

Paying more for the repair is nice of them and definitely more than what was originally agreed upon.

That all said I would *never* bring up the whole giving rooms at a DVC resort with this story. You are comparing apples and oranges here. Just because one offers a room doesn't mean that it should ever be thought of when something like this comes up. We've given free rooms for others during vacations and I never expect that to come up if another situation involving money comes up.

 

[The Mystery Machine]

Well you ask WWYD?

I would not ask my friend to pay for anything including repairs of my car.

I would have loaned them the car for free.