11/06/2021 Ethan Ralph Totaled His Car - Hard to drive with hooves.

[Lame Entropy]

I bet he’s upside down on his car loan. He probably is too cheap/stupid to have gap insurance. The insurance company will only pay what the car is worth, not what he owes. He’s going to be one of those schmucks who has to roll an old balance into a new car loan. $600 payment on a frigging Nissan Sentra or something like that

So what I'm hearing is that May is going to have to pick up some extra shifts at Subway?

 

[GaryGrey]

Nissan gives out sub-prime autoloans. They will give someone with a FICO of 600 a 14.9% rate on a 84 month loan.
Nissan/Infinity are trash cars for trashy people.

Nissan Is Rewarding Dealers for Pushing People Into 84-Month Car Loans: Report

Dealer kickbacks could lead to you getting a worse deal on a new car.

www.thedrive.com

Their value also drops like a rock off the lot. ASSuming he has 30 on the clock the book is around 18K. To get a replacement now with the supply issues he will be paying sticker so 26k. Anyone want to bet he has gap insurance?

It is important to remember how many times Ralph has a ticket or been in an auto accident (including fleeing the scene). He should not want to drive anything under 10 years old or risk paying like +$2k a year on basic auto insurance.
Also assume Ralph was the cause of the accident because the wood block he had tried to the brake fell loose so his stubby leg couldn't reach it anymore.

 

[Dude Snakes]

He was on his phone, calling it.

While dunk/high as well.

 

[MirnaMinkoff]

What gets me is thats not the car you would expect Ralph to drive. It dosent fit his type. Its not flashy or fast. Its not even particulary reliable.
What is even is that ricer, was it more important for him that it was new or something?

This proves how much of a loser Ralph was in highschool. The type of chicks that would let Ralph hit in his particular geographic area are the loose trashy rednecks teen mom types.
But they sure as hell aren't gonna be impressed with your moms ford focus. They want a car with a big subwoofer in the back and speakers for days and fresh interiors with leather seats. They want a car where a guy looks like hes put in a lot of time in to it. Volvos, old caddies, anything german. I don't know if its as much the car as they want a man that likes to dick around with cars.

Nissan has specifically targeted bad credit risk buyers with shitty loans, so it was one of the handful of new cars that Ralphamale could get approved for financing. Ralphmale wasn’t going to get approved financing for higher end cars. Predatory loans at used car lots or loans for a new like Nissan/Kia/Mitsubishi are Ralph’s only options. The Nissan lot sold him a car in the past so he thinks they are BFF too.

I bet he’s upside down on his car loan. He probably is too cheap/stupid to have gap insurance. The insurance company will only pay what the car is worth, not what he owes. He’s going to be one of those schmucks who has to roll an old balance into a new car loan. $600 payment on a frigging Nissan Sentra or something like that

He’s more fucked than you think because the terms of a loan Ralph got create a much bigger gap than is typical. It’s funny he thinks they are going to get a newer and better car when all they will do is send a check to his finance company that’s less than what he owes.
I’m sure his good buddies at Nissan will be happy to finance another high interest loan for him on another car to tack onto to what he still owes on the wrecked car.

It is important to remember how many times Ralph has a ticket or been in an auto accident (including fleeing the scene). He should not want to drive anything under 10 years old or risk paying like +$2k a year on basic auto insurance.
Also assume Ralph was the cause of the accident because the wood block he had tried to the brake fell loose so his stubby leg couldn't reach it anymore.

Way more than $2k because Ralph is going to try finance another car and the cost of full comprehensive insurance on a car after this accident? Shit, it will be as much as the car payment. I’d bet his current insurance might drop him completely and tell him to kick rocks.

Given his past most insurance companies won’t want his business and the ones who do will make him pay through the nose, probably require he have a monitoring device that will track his speed and prevent him from reading KF while driving too.

 

[Bepis]

Car was an a-log, Ralphamale wins again! Can't abort the retort, baby!

 

[Laquisha Guntermensch]

How about "Coffin Of Cum"? It has a sort of "Cradle Of Filth" ring to it IMHO.

How about Coffin' Cum? That's the answer to why Ralph clears his throat all the time, ngl.

 

[spagandhi]

Did he get T-boned?

the raw beef gets its revenge

 

[bigbombguy2222]

So when is Ralph going to have his inevitable sperg out over people making fun of him?

"AT LEAST I CAN AFFORD A CAR BROKE DICK KAREN FARMS BITCH! Ralphamale wins again, KILLSTREAM baby!"

 

[Climaxing Sunset]

Nissan has specifically targeted bad credit risk buyers with shitty loans, so it was one of the handful of new cars that Ralphamale could get approved for financing. Ralphmale wasn’t going to get approved financing for higher end cars. Predatory loans at used car lots or loans for a new like Nissan/Kia/Mitsubishi are Ralph’s only options. The Nissan lot sold him a car in the past so he thinks they are BFF too.


He’s more fucked than you think because the terms of a loan Ralph got create a much bigger gap than is typical. It’s funny he thinks they are going to get a newer and better car when all they will do is send a check to his finance company that’s less than what he owes.
I’m sure his good buddies at Nissan will be happy to finance another high interest loan for him on another car to tack onto to what he still owes on the wrecked car.

Way more than $2k because Ralph is going to try finance another car and the cost of full comprehensive insurance on a car after this accident? Shit, it will be as much as the car payment. I’d bet his current insurance might drop him completely and tell him to kick rocks.

Given his past most insurance companies won’t want his business and the ones who do will make him pay through the nose, probably require he have a monitoring device that will track his speed and prevent him from reading KF while driving too.

When it comes to Kia, Nissan, and Mitsubishi, especially Mitsubishi’s, dealers tend to undersell them from their actual MSRP value because that’s how desperate they are to sell cars.

Not to mention all three companies have notorious reliability problems: Nissan with CVT garbage transmissions, Mitsubishi (sharing tech with Nissan) having similar albeit less common issues and Kia usually getting inferior Hyundai parts bin garbage (like their engines catching on fire)

Tbf though the newer Nissan’s have ironed this issue out, at least new gen maximas. But that being said, it’s obviously Ralph’s fault he totaled his car. That fat gunt pig is always drunk or buzzed on something. Plus he lives in a shack he inherited from his mom. Ralph’s probably gonna have to resort to some cheap shitty beater now lol

 

[AltisticRight]

So another day trip since the lockdowns are yesteryear's, this happens? Maybe I should do more daytrips because both resulted in Ralph getting himself involved in extremely stupid White trash antics. Was he driving under the influence of drugs and alcohol? Was he on his phone seething at the chat that's somehow worse than A&H? Don't answer that, it's an aporia.

Any pussy is loose when analogously Ralph's Memphis Micro is a chopstick in a washing machine.
Not a good look there, while being 5'1'' falling under the lower bound of 0.1% of the population, Ralph claims a penis size that's in the 0.1% upper bound (8 inches!).

One is fact, the other is fiction.

The person at fault? It's pretty obvious, this line has been repeated. If it were the other party(ies), Ralph would be on his Twitter squealing and seething to his 50k followers. He'll call himself the victim, blame the nasties at the Kiwi Farms, whinge about anime avatars and his baby mama ex-teen girlfriend's family.

 

[MirnaMinkoff]

Ralph must be busy checking flight prices to Vegas. A fourth trip to Vegas is really the only solution to his current problems, otherwise Caesar’s sportsbook app will be his only succor in these difficult times.

Or maybe he’s busy getting that totally legit “legal fundraiser” up and running. He may not be able to get back to Vegas without it.

 

[Thiletonomics]

Tbf though the newer Nissan’s have ironed this issue out, at least new gen maximas. But that being said, it’s obviously Ralph’s fault he totaled his car. That fat gunt pig is always drunk or buzzed on something. Plus he lives in a shack he inherited from his mom. Ralph’s probably gonna have to resort to some cheap shitty beater now lol

Isn't that more of because Nissan finally got rid of Carlos "LeCost Cutter" Ghosn, and then realized that they have to actually make good cars, and can't just get by with being the Wal-Mart of automobiles? There's also the issue that Nissan isn't full of cash right now, due to Ghosn's said decision making.

 

[Les Morfalous]

>A bmw E60
This man truly is white trash sub-80 IQ mouthbreathing shit-kicker.Oh, well atleast it wasn't something as repugnant as an Audi a4, or a fifth series diesel Golf with a GTI kit.

EDIT: On closer inspection tis actually a Nissan which is still pretty gay.

 

[Jimmy Hopkins]

I’m surprised the airbag didn’t pop his gunt.

 

[Slimy Time]

Catching up after watching sports. Did he fucking get side swiped to get it to look like that? How do you fuck up that...oh wait it's Ralph. Shame it didn't kill him so we have to hear him bitch about it and continue his miserable existence.

 

[Telemeter]

Remember a few months ago he was raving about how much he was "winning" over a bunch of traffic tickets in court? It's a weird flex because regardless of how things go with the fines, it still means you not only drive like shit, you also routinely get caught doing it.

I wonder how this will turn into a win.

This thread is full of hate, an accident can happen to anyone. even someone who was driving responsibly and paying attention to the road not being on his phone.
And hey, sure! Accuse me of gunt guarding but is clear that the only gunt guard involved in this is Ralphs guardian angel who protected him when he crashed. That guardian angel wast sent by God as a reward for praying or rather chanting "christ is gay" or whatever the fuck they shout during Nick Fuentes white trash events.

So let this be a lesson for everyone that you need to be faithful and a good christian in order to survive traffic accidents.

He is constantly getting tickets and fines for traffic infractions, he literally has a story of driving like shit.

 

[Nonconsentual Pronouns]

Can we please get a poll to vote on guessing if he was drunk, texting, filming, on a phone call, high or just being a reckless retard? Or even possibly that it wasn't his fault, but that's boring.

 

[Sammich]

You'd think the approaching winter would make them hibernate, but apparently, cows go mad in the cold.

He's got that fat layer of adipose that should protect him from all but the most frigid of temperatures, but the piggie skin is just so thin it has the opposite effect. He has the fat dumb thing down, but poor bastard can't get the happy part. It would be a damn shame if this particular animal wasn't so spiteful. It would give a non-christian man pause, as if to wonder if some greater power was at work to punish this creature for some foul misdeed in his past. As if this higher power might have a cruel sense of humor in giving him so few brains to make him dumb, but not enough to render him mentally disabled. Just smart enough to know how fucking dumb he is.
CHRIST IS KANG!

 

[Reaper King]

Can we please get a poll to vote on guessing if he was drunk, texting, filming, on a phone call, high or just being a reckless exceptional individual?

I can guarantee you it was all of the above.

 

[Rain Team Pepe]

Sigmaguntset #1- Get a new car by totalling your old car