‘We both had a laugh': Insurance sells totaled car to an arrogant guy who refuses to return personal accessories to original owner, loses out on getting the expensive spare key

Author image for Elna McHilderson
Elna McHilderson • Managing Editor
Sep 4, 2025 7:00 PM EDT

This guy was proud of the car he bought, so when it got totaled he was heartbroken. He went through the steps with his insurance and they were able to pay him out to get a new car. The best case scenario to a totaled car. However, since he loved that car, he had personally purchased matts, CDS, and other accessories to add to his ride. The insurance company had already sold his totaled car to someone else, but said they would reach out to them to see if he could get his personal items back. The guy said he had "grown attached" to the items and would not be returning them. Amazed at this guy's arrogance, he hung up the phone frustrated at the loss. But hey, it's not the end of the world, just some cheap items he wanted back. He moved on. 

Then, the insurance called back asking if he had the fancy spare key to the car because the new owner would like it. As lucky would have it, he sure had the key! Spare car keys can be over $800 sometimes, way more expensive than matts for a car and some CDs. He could've offered a trade, but instead, he said he had "grown attached" to the key. 

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  • Cheezburger Image 10550126336
    via Unsplash+ (and Getty Images)

    Image is representative only and does not depict the actual subjects of the story.

  • "I'm quite attached to it"

    Some years back I bought myself a new car. I'm not normally into possessions, but it was nice to have something that I did need.
    via labrador_1
  • That hadn't been previously owned by someone else. On the first week I owned it, I bought some after-market car mats and seat covers to bling it up.
    via labrador_1
  • The following weekend, my wife and I grabbed a couple of cd's and jumped in the car to go for a drive out of town.
    via labrador_1
  • We were going along a long sweeping bend on a country road when we hit something on the road. The front tire instantly shredded, and,
    via labrador_1
  • as the car was front wheel drive, I lost control. We spun off the road. Fortunatel, we weren't hurt, but the car was badly damaged.
    via labrador_1
  • The car got towed away to the yard. Sometime later, i got a call from my insurance agent to tell me that it wasn't worth repairing and
    via labrador_1
  • that they would pay me out. All good. We got a replacement car shortly after. I picked it up, and then I remembered about the cd's
    via labrador_1
  • Cheezburger Image 10550131712
    via Unsplash+ (and Denny Müller)

    Image is representative only and does not depict the actual subjects of the story.

  • and mats that were still in the original car. As we had bought them separately from the car. I rang the agent to see if we could get them back.
    via labrador_1
  • The agent made inquiriess and rang us back. The car had since been on- sold. He contacted the new owner, who said that he had grown attached to the items
    via labrador_1
  • and wanted to keep them. I was more annoyed at the new owner's arrogant attitude than losing my stuff, but it wasn't worth getting worked up about.
    via labrador_1
  • Then, a few weeks later, the agent rang me back. The new owner was asking if I still had the spare key. It was one of those transponder things and
    via labrador_1
  • was quite expensive. I looked around and found it. Then I took great pleasure in telling the agent that I had grown attached to the key and I wanted to keep it.
    via labrador_1
  • We both had a laugh. He rang the new owner back with the news, and I threw the key in the rubbish.
    via labrador_1

  • That is so beautiful karma at work! Literally, throwing this guy's own words back in his face. If that isn't satisfying petty revenge, then we don't know what is! 

  • CoderJoe1 You had the key to your vengeance all the time.
    via CoderJoe1
  • Lesleysmith09 Man thought he was Batman with your car mats until you hit him with the spare key kryptonite. You didn't lose a car, you gained a lifetime story opener.
    via Lesleysmith09
  • LibraryMouse4321 Those keys are very expensive. For the amount of money it will cost that guy for another key, he could have bought several cds and a box of floor mats.
    via LibraryMouse4321
  • Lesleysmith09 That ending was cleaner than the insurance payout. Absolute perfection. Plot twist: the real attachment was the friends we made along the road... nah, it was the key.
    via Lesleysmith09
  • jennypurplethefirst Well played my friend I've just had to buy a spare key for my car at £460! So I think his ickishness cost him way more!
    via jennypurplethefirst
  • Sugar RushGaze Dude, no cap, that's the kind of sweet, petty revenge I live for Should've asked him to trade the key for your CDs and mats Imao. But fr, karma's a trip, ain't it? Wild story bro, def got my upvote!
    via SugarRushGaze

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insurance claim karens totaled car reddit karen what goes around comes around car accident entitled people karma pay back karens in the wild justice served entitled karen karma selling used car r-entitled Reddit karen story car insurance karma karen entitled people
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