Went shopping about a week ago. A ziooion cars in front of the bldg.
I parked in the 3rd slot to the side of my super-mkt, where no cars
were. 40 min. later, still no cars, but somebody had banged a
corner of the rear bumper on my '94 Thunderbird.
Dealers estimate is $520 to repair.
State Farm coverage includes (250 ded.) Comprehensive, Collision, and
"Uninsured Motor Vehicle".
State Farm sez my hit/run falls under Collision. Does this sound right?
I've been waiting several days for a call from a SF field-claims
The last thing I want to do is piss around with a "State Farm repair"
at a "State Farm shop". I'd like to establish a reasonable cost-
to-repair and have them cut me a check. Is this still done?
I have trouble keeping up with what insurance co's are doing and
not-doing these days.
In my opinion a $520 repair isn't worth filing a claim for, but since
you contacted your ins. co. you're screwed now anyway and they will
likely raise your rates even if you don't file the claim. This of course
is BS since expected losses are supposed to be factored into the
existing premium, but the govmn't lets them get away with this fraud
since they pay off the politicians. You should have a higher deductible
so that the only claims you consider are those significant enough to be
Unlike on television, few people in the real world HAVE an attorney, and
it certainly isn't worth hiring one for a $520 hit'n'run. I went through
the same thing in the apartments I used to live in- some pickup truck
(judging by the damage), caved in the rear corner of my Honda Accord,
and fled. (Assuming he even noticed- 2500 pound accord vs. 7000 pound
4x4, he might not have felt it.) I called the cops to do a phone
report, just to get a report number for the insurance. They wouldn't
even do that for a private-property accident. (apparently the strip down
the middle is street, but the parking slots aren't, or some such
nonsense.) I called up my insurance company, and they let me file a
claim anyway. It was over a thousand bucks- car isn't perfect, but you
have to look close to tell, and it still drives okay. If it had been
$500, I would have eaten it.
I do, or at least I did before I moved halfway across the country.
Nor is an insurance claim generally.
Having one of those 7,000# truck, I can confirm that you can indeed
flatten stuff (like a shopping cart) without even noticing unless you
happen to have the window open and hear it.
Makes you wonder what we pay their salaries for, doesn't it?
Yep, you just need to figure your threshold cost, as well as how much
you care about the damage. For my truck, it's function over cosmetics,
so while I try to keep the truck in decent shape, I don't worry about
much in the back half.
Sounds like you haven't been involved with attorneys in a long time. It
would be $500 just to fire a letter or two back and forth if you could
find someone willing to do it who wasn't looking for the next class
action or chasing ambulances.
Mine only charged me about $500 to ride shotgun over an insurance
company provided atty. who I obviously didn't trust even though they
were supposed to be on my side. My atty. even attended a couple meetings
at that price. As they say, it's the 95% of them that give the other 5%
a bad name, the trick is to find one of those 5%...
If you'd have skipped the collision coverage altogether you'd have an
extra 500 a year in your pocket.. Why would anyone buy collision
coverage on a '94 T-bird.. Are you on crack..?
Now you want to go through all this nonsense to basically get (a
fraction of) 'your' money back...??
The rule of thumb is if the collision premium is 10% or more of the KBB
value of the vehicle you should self insure for collision. I'd call and
ask SF what they'd give you in the event of a total loss.
I doubt it'd be much...
IF he is paying $500 a year you are correct. I pay $545 to cover my '07 car
with a book value over $20,000. I'm paying $264 for an '01 that will get
me about $8000 if totaled. I can't find the old policy, but I kept the
collision on my '91 because it was little more than beer money and would get
me $1200 after the deductible if totaled. Given the cost of repairs, it
does not take much to total an older car.
Likely a video exists of the acident, call all the stores surounding
the lot and see if you can go review them, BTW, 250 wasnt worth filing
a claim for, usualy a 1000.00 deductable is normal, and your rates
would be alot less. If t was me id not claim, just drop it and see if
you can find the other guy.
Yeah, and then send the video to the FBI's Video Enhancement Unit to
have the 100 times, or more, re-recorded video cleaned up.
They'll be glad to spend thousands of $$ to find out who caused $500
worth of damage to a parked vehicle.
Most places, parking lots are private property and police don't care and
won't file reports on anything less than personal injury...
Security idea isn't a bad one as possibly could identify culprit and
pursue them directly for full restitution (via small claims court if
they wouldn't ante up simply being confronted w/ the evidence of
culpability assuming were able to do so)...
Maybe where you live, but here in NJ, if a hit and run occurs in a
private parking lot, the police not only will respond and make a
report, they will pursue it, if possible. Former disgraced US
Senator Toricelli was tracked, found and convicted of doing exactly
what happened here. He backed into a parked car in a bank parking
lot and drove off. The police tracked the license plate and his was
convicted of leaving the scene of an accident.
I didn't want to overburden y'all with unnecessary details, but ...
When I found the car damaged, there was a guy on the lot that said
he saw a red cab near my car. I got a police report: a nice cop
reviewed the security tape, saw the red cab, was unable to get
the license #. No evidence the cab impacted my car, just that it
was in the same area. Revolving camera: cab probably hit my
car while the cam was looking the other way.
So, it is a *documented* hit/run. I was not at fault. State Farm
has the police rept #.
Remember the Firestone tire recall on Ford Explorers some years ago?
Around 2003, the Firestone on my Tbird peeled a tread while I was
passing an 18-wheeler on the hiway. Tripped the idiot Ford inertia
switch (which has never worked right), near got me killed. State Farm
send a field claim guy, cut me a check, took the defective tire,
placed a claim against Garbage-Firestone, and *did**not* raise
my rates. "A professional claim settlement." But that was 5 years
As for not filing a claim, why am I carrying/paying-for insurance?
I've no "at-fault" claims in 10+ years, my annual premiums are
about $450. Would it really be that much cheaper with $1k deductable?
Note that book-value on '94 Tbird (which means nothing to me
personally) is maybe $2200.
Maybe I ought to drop Comp/Collision, save a $, I dunno.
On Thu, 17 Jul 2008 10:57:52 -0500, Peetie Wheatstraw
Excepting it's lacking the one critical thing--actual evidence the
purported perpetrator actually did the deed.
Follow up w/ State Farm and get on w/ life...what can any of us here
tell you that's going to do any good whatsoever since you have the tape
and it's not conclusive--the cabbie can claim he was close but never hit
it and unless you can find him and match paint samples or get hard
evidence in some other way all you have is "looks like could have"
footage. How can you actually prove the damage wasn't pre-existing that
I can't. But the claim is not being decided in a court of law under
strict rules of evidence, etc.
No "at-fault" claims for 10+ years and you think they'd assume I
was perpetrating fraud for a $270 claim? Sheeesh!
Some ins. co's might record it as "at-fault" automatically, I suppose.
I called the agent: he said it should be "no problem" ==> no rate hike.
No, I was talking about the route of trying to track the perp down and
going the court route -- you would then have to have at least sufficient
evidence to be convincing even if you could find the bum...
My recommendation in the beginning was "follow up w/ SF and get on..."
if you recall. Which, I see, you did w/ the results I expected.
I'd also find out what the difference in insurance pemium is for a
$1000 deductible vs $250. In most cases it's enough that it makes
sense to take the higher deductible. That way you don't have to
report $500 claims and go through a lot of hassle that could raise
your rates. But with $450 premium, maybe it doesn't make sense.
That rate is one folks here in NJ would love to have. Even with an
excellent record and no accidents, it's hard to get a policy for 2X
that here, even with a high deductible.
HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.