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insurance after accident

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Old Nov 21, 2016 | 07:15 PM
  #1  
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Default insurance after accident

Need some help guys. Car was involved in a hit and run.

car was parked. So now my insurance is fixing the car and of course im stuck with the deductible.

car was side swiped. From rear to front.

1 tire had the sidewall slashed.

here is my problem. The adjuster measures the tire and said 7/32. Said a new tire is 11/32
charged me for depreciation. Whatever.. so now they are only going to replace 1 tire.

i asked why not replace both tires?? A simple the other side is fine.

what happens when they put a new front tire with 3 old ones??

btw its an 04 z06. Tires are bridgestone re 11.

​​​​​​​any help guys
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Old Nov 21, 2016 | 07:40 PM
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The adjusters have a cookbook they have to use. If you don't agree its time to escalate it within your insurance company. Went through a similar set of circumstances earlier this year on my C5 dealing with repair vs. replace parts decisions.

Replacing one tire is not the appropriate solution - especially since you have no fault in the accident.

Good luck.
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Old Nov 21, 2016 | 07:42 PM
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I would replace the other tire out of pocket. Unfortunate circumstances but that is lifel In six months you will hardly remember what happened. Since you asked and IMHO. Good luck!
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Old Nov 21, 2016 | 07:53 PM
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Insurance
From Wikipedia, the free encyclopedia
This article is about the risk management method. For insurance in blackjack, see Blackjack.

An advertising poster for an insurance company from ca. 1900-1918 depicts an armoured knight.
Financial market participants
Assorted United States coins.jpg
Credit unions Insurance companies Investment banks Investment funds Pension funds Prime brokers Trusts
Finance Financial market Participants Corporate finance Personal finance Public finance Banks and banking Financial regulation Fund governance
v t e
Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster.

The short version, pi** on you !! :ack :
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Old Nov 21, 2016 | 08:01 PM
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Originally Posted by Pounder
Insurance
From Wikipedia, the free encyclopedia
This article is about the risk management method. For insurance in blackjack, see Blackjack.

An advertising poster for an insurance company from ca. 1900-1918 depicts an armoured knight.
Financial market participants
Assorted United States coins.jpg
Credit unions Insurance companies Investment banks Investment funds Pension funds Prime brokers Trusts
Finance Financial market Participants Corporate finance Personal finance Public finance Banks and banking Financial regulation Fund governance
v t e
Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster.

The short version, pi** on you !! :ack :
Jesus got dizzy from reading that!.
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Old Nov 21, 2016 | 08:14 PM
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This the way i see it. Insurance pays for new left. I buy new right front. What happens if i put 2 new front tires and keep 2 old tires on the rear?
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Old Nov 21, 2016 | 08:19 PM
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Nothing....as long as both fronts or both rears are the same.
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Old Nov 21, 2016 | 08:20 PM
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Prove that a sports car wont roll right with two different tires on a given axle. I'm sure you can find a tire article backing this up.

Or simply get a used tire off amaz-n with the appropriate tread depth. Yes they sell them that way.

Last edited by Rob 02; Nov 21, 2016 at 08:33 PM.
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Old Nov 21, 2016 | 08:20 PM
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Originally Posted by Trkdrvr
Jesus got dizzy from reading that!.
you were supposed to go to the bottom line !!
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Old Nov 21, 2016 | 09:25 PM
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Your vehicle, having been involved in an accident now has DIMINISHED VALUE. Tell the insurance company you want to be compensated for this and maybe they will be more eager to negotiate with you. This works in some states with liability claims, not sure about comprehensive claims but try it anyway.
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Old Nov 21, 2016 | 10:01 PM
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You may be able to find a replacement used tire for the front on eBay that matches your other front used one.
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Old Nov 22, 2016 | 12:29 AM
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Insurance is not responsible for worn tires. If you have a concern about tread difference then you need to purchase a matching tire with your own money.
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Old Nov 22, 2016 | 12:54 AM
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Originally Posted by Crosis
Insurance is not responsible for worn tires. If you have a concern about tread difference then you need to purchase a matching tire with your own money.
exactly, they are paying you for the tire that was damaged so why should they pay to replace a good tire just so the tread depth matches?... of course I would rather replace tires in pairs so I get where you're coming from but be reasonable here... do you own the car?... if you do they will cut you a check (not the bank or the place making the repairs) and most often you can have the car properly repaired for less and you will have enough left over for that new tire
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Old Nov 22, 2016 | 04:00 AM
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Sorry to hear about your car, people are so cruel, and plus where it's getting closer to the holidays. Hope you have a good Thanksgiving
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Old Nov 22, 2016 | 10:12 AM
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Originally Posted by zo6c5
This the way i see it. Insurance pays for new left. I buy new right front. What happens if i put 2 new front tires and keep 2 old tires on the rear?
Shouldn't be a problem but how is the car driven? Daily driver? "Spirited driving", Track use or autocross? You will have to drive the car for some time to see if there is a difference in handling.

Also make sure the insurance adjuster pays very close attention to wheel alignment and has the suspension carefully inspected to make sure nothing is damaged. Same with the wheels on the side that was damaged. Even a glancing hit could easily mess up alignment or bend/break suspension pieces or wheels. A good body shop will take care of the body parts and paint. Work with the adjuster to have the car taken to a competent alignment place to make sure that if there is damage, it will be fixed properly.
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