Final Statement of Financial Impact

Cody J. Rice-Velasquez ↔ Zaitullah Jan Khebarkhil
January 2024 – October 2025

I created this document because, on more than one occasion, you have suggested or said that I was taking advantage of you. I do not want arguments or drama; I only want you to see the truth clearly.

Net Economic Loss After Maximum Fair Credit
$0
All Costs − Cash Contributions − Extra-Generous Non-Monetary Credit

Comprehensive Cost & Maximum Credit Breakdown

Total Documented Cost to Cody

Category Amount
Direct Cash Outlays $22,999
Vehicle Asset Use $29,700
Unpaid Labor (190 hrs) $12,700
Opportunity Loss $10,500
Gross Total $75,899

Zaitullah Total Credit
(Cash $7,650 + Extra-Generous Non-Monetary $10,500)

Category Credited Value
Cash Contributions (rent, food, etc.) $7,650
Physical Assistance $2,000
Household Chores $1,000
Emotional Support & Companionship $3,500
Additional Good-Faith Credit $4,000
Maximum Total Credit $18,150
All non-monetary items have been deliberately over-valued to ensure maximum fairness and to acknowledge the genuine human value of companionship and support provided.

Net Financial Imbalance After Maximum Credit

Cody $75,899
Zait $18,150

Net Uncompensated Transfer ≈ $57,749

Cumulative Flow (With Maximum Credit Applied)

Detailed Long-Term & Lifetime Financial Impact
$91,549 – $103,349

Actuarial projection based on industry-standard insurance data for a driver with one at-fault total-loss claim and one additional collision within 24 months (directly resulting from vehicle use patterns while supporting Mr. Khebarkhil).

A. Permanent Vehicle Loss

  • Original Tesla value (2023 Model Y): $32,000
  • Insurance payout after total-loss: $0 – $20,000
  • Net replacement gap borne by Cody: $12,000 – $18,000

B. Insurance Premium Surcharge

  • Prior annual rate ≈ $1,800
  • New rate after incidents ≈ $3,200 – $3,600
  • Annual increase: $1,400 – $1,800
  • Duration: 7 years (standard carrier policy)
  • Total projected surcharge: $9,800 – $12,600

C. Permanent High-Risk Tier Penalty

  • Multi-incident history places driver in highest risk tier for remaining driving lifetime (20–25+ years).
  • Industry average lifetime penalty per incident ≈ $600–$800/year.
  • Estimated additional long-term cost: $12,000 – $15,000

Additional Lifetime Liability: $33,800 – $45,600

CURRENT NET ($57,749) + LIFETIME LIABILITY = $91,549 – $103,349

I, Cody J. Rice-Velasquez, declare under penalty of perjury that the foregoing is true and correct as of November 20, 2025. Even after applying the most generous possible credit for non-monetary contributions, the economic imbalance remains substantial.
Cody J. Rice-Velasquez
November 20, 2025