Hit and Run!
Thread Starter
Racer
Joined: Jan 2012
Posts: 282
Likes: 0
From: Prosper TX
St. Jude Donor '13
Hit and Run!
So I'm in Chipotle enjoying a burrito and happen to glance out the window and see a white truck scraping the side of my Z06! As I run out of the restaurant screaming like someone is kidnapping my child, the a-hole drives off and leaves me with a dumbfounded look on my face, like what the hell just happened. So I am left with a scraped up driver side mirror and door. My wife is my insurance agent and tells me that even though I carry uninsured motorist coverage, it will still count as a hit against me. So again I am left with this stupid look on my face! Bottom line is I want to know what kind of price tag I'm looking at to have the dealership repaint and clear the door and the mirror. Another concern of mine is I just finished upgrading the sound system and obviously I had to run speaker wire through the door... Are they going to be smart enough put it back together the way they found it? thanks for the info... one of the worst days of my life.
Melting Slicks
Joined: Oct 2003
Posts: 2,655
Likes: 5
From: Brea CA
ah....
Sounds like if you just saw the damage.... it would be comprehensive, and not held against you... maybe you need a new agent...
And any shop that is good.. will have no problem with you upgrade...
And any shop that is good.. will have no problem with you upgrade...
Melting Slicks
Joined: Jul 2011
Posts: 3,245
Likes: 1
From: Grounded to the Ground
My wife was hit by an uninsured motorist. State Farm paid our claim and our rates did not change because it was the other driver's fault.
Safety Car
Joined: Jan 2004
Posts: 4,974
Likes: 14
From: Pinellas Park Fl
St. Jude Donor '08-'09 & '12, '14
Melting Slicks
Joined: Oct 2008
Posts: 2,098
Likes: 8
From: Dayton Ohio
I might consider paying this one out of pocket to keep it off of CarFax...as it might hurt you down the road when it's time to trade/sell. I'm not suggesting that you hide the fact that the car had a prior collision repair, but some people see a any mark on a CarFax as "oh my God...this thing must have been hit by a freight train" and run away from your car before even looking at it.
Whatever you do, take lots of pictures of the damage. Then when you sell the car, you can show the new buyer how minor the damage really was. Lots of guys sell cars with a history of a "minor" cosmetic repair...but few have the photos to back up that story.
...I had to run speaker wire through the door... Are they going to be smart enough put it back together the way they found it?
Go Canes!
Joined: Dec 2009
Posts: 5,975
Likes: 329
From: Boca Raton FL
St. Jude Donor '11-'12-'13-'14-'15-'16-'17-'18-'19-'20-'21
Instructor
Joined: Jun 2010
Posts: 238
Likes: 0
From: San Antonio TX
This is correct. Someone hit my son's car and ran. I'm insured with USAA and it was filed under comprehensive. Paid the deductable and no increase in the rate.
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Melting Slicks
Joined: Dec 2009
Posts: 3,213
Likes: 17
So I'm in Chipotle enjoying a burrito and happen to glance out the window and see a white truck scraping the side of my Z06! As I run out of the restaurant screaming like someone is kidnapping my child, the a-hole drives off and leaves me with a dumbfounded look on my face, like what the hell just happened. So I am left with a scraped up driver side mirror and door. My wife is my insurance agent and tells me that even though I carry uninsured motorist coverage, it will still count as a hit against me. So again I am left with this stupid look on my face! Bottom line is I want to know what kind of price tag I'm looking at to have the dealership repaint and clear the door and the mirror. Another concern of mine is I just finished upgrading the sound system and obviously I had to run speaker wire through the door... Are they going to be smart enough put it back together the way they found it? thanks for the info... one of the worst days of my life.
Pro
Joined: Jan 2012
Posts: 526
Likes: 67
From: San Diego CA
Sounds like you need a different insurance carrier. You vehicle was parked, it was 110% on the other driver...you had absolutely NO control. You should not take any kind of hit or increase in rates. You were not at fault in any way shape or form, unless of course you were illegally parked, double parked or out of stall. Those might make a difference.
Safety Car
Joined: Sep 2008
Posts: 4,408
Likes: 1
From: Allen Park MI
Safety Car
Joined: Apr 2004
Posts: 3,996
Likes: 77
From: Louisville KY
So you are saying those of us with a base coupe are chopped liver and a truck scraping us is no big deal. Any car scraped by a jerk like this truck driver is damaged. Sorry but a Z06 is not more valuable than any other vette that might be damaged. Just my .02 worth.
Race Director
Joined: Dec 2006
Posts: 14,006
Likes: 26
From: JawJa
Z06 as in a more expensive model to have fixed. As far as I'm concerned, even though I have my coupe, I consider mine to be a ZR1. So, keep your couple of pennies and start a fight with someone else .
Race Director
Joined: Apr 2008
Posts: 17,373
Likes: 6
From: Chatsworth California
Same here.I have State Farm as well. It is a hit-and-run, and is not your fault. Your insurance will have to pay, but it is not your fault and your insurance should not go up.