How much to fix this
03-21-2017, 06:06 PM
#41
Melting Slicks
Collision is collision , any damage appraiser can tell comprehensive damage versus collision. Any time the car makes contact with anything other than a animal or bird its collision. Doesn't matter if the car was parked, doesn't matter if any one was in it or not. Also If any panel including bumper covers are easily repairable, good shops fix rather than replace. The less paint work the better.
The auto policy pays for damage to auto's only 3 ways on there own insureds policy, comprehensive covers everything other than collision and the collision portion of the policy naturally pays for collision damage, separate full glass coverage pays for glass losses.
The auto policy pays for damage to auto's only 3 ways on there own insureds policy, comprehensive covers everything other than collision and the collision portion of the policy naturally pays for collision damage, separate full glass coverage pays for glass losses.
When GF was in an accident w/ a City owned vehicle - city is self insured and refused to pay, even though they were at fault - her carrier treated it as 'uninsured motorist" not comp/collision.
Ditto a windshield broken by rock or other object falling off or kicked up by a truck in front of her.
03-22-2017, 01:28 AM
#42
Burning Brakes
Thread Starter
Am I the only one who thinks the people who are in charge of maintaining the roadways should foot the bill for incidents like this? Especially when its no fault of the driver and yet they are penalized financially for it
03-22-2017, 02:01 AM
#43
There is no requirement to report to them, so a clean carfax means nothing. If something is reported, then I have never heard any reason not to believe it didn't happen, though.
03-22-2017, 11:26 AM
#44
Pro
Nah the estimated total is 997.80 and my deductible is alot higher than that so would be pointless to contact insurance company at this point.
Am I the only one who thinks the people who are in charge of maintaining the roadways should foot the bill for incidents like this? Especially when its no fault of the driver and yet they are penalized financially for it
Am I the only one who thinks the people who are in charge of maintaining the roadways should foot the bill for incidents like this? Especially when its no fault of the driver and yet they are penalized financially for it
03-22-2017, 02:52 PM
#46
Burning Brakes
My experience with CARFAX and AutoCheck from two years ago was that it was reported by the cops, not my insurance carrier or the body shop. It was reported to them on the day of the incident, before I went for an estimate and before my insurance agent reported it to the company. A woman backed into the front bumper and put a nice 6" cut in the cover. I looked into trading it in for a Grand Sport and the quotes came in from five different dealers with diminished value ranging from $4K - $6K simply because it was listed on the two reporting agencies. The diminished value was way more than the actual repair cost!
03-22-2017, 03:19 PM
#48
Race Director
OP. Good luck with the repair. Take your time and you'll be happy with the results.
ps if your insurance company says your policy will double to lower your deductible find a new one. That's a total ripoff.
ps if your insurance company says your policy will double to lower your deductible find a new one. That's a total ripoff.
