Bono's Doll
New Yorker
Check your auto policy & if you have Uninsured Motorists coverage you may be able to claim under that as a hit & run and avoid paying a deductible. 
I'm a victim of a hit and run.
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Palace_Hero said:
Questioning of judgement isn't directed at me, but at my warning? I don't see how that's possible, since a warning is unable to make a judgement. A person does that.
Palace_Hero
Refugee, Note: Troll-like
I'm very sory to hear about your prang demmo.
FizzingWhizzbees
ONE love, blood, life
Palace_Hero said:My odds are $1.23 that you were a case of 'woman driver' syndrome.
So if women are such bad drivers, how come our insurance premiums are lower due to us having fewer accidents and therefore making fewer insurance claims?
Palace_Hero
Refugee, Note: Troll-like
FizzingWhizzbees said:
Hence the point that my comment was a joke.
tiny dancer
Blue Crack Distributor
Sure hope that things will work out for you,and all for the better. 
nbcrusader
Blue Crack Addict
Sherry Darling said:I bet it was a Republican.
Probably because of all those Mondale and Dukakis stickers on the car....
Seriously, this is why we pay for insurance. Call your agent and make it their problem.
For Honor
Rock n' Roll Doggie VIP PASS
Odd coincidence - I just found out that my dad got a hit and run today, and I think it happened on the same day, too.
He says "Yeah, somebody did a hit and run". And I instantly thought of this thread. Heh.
But his wasn't as bad, just a small dent, though.
He says "Yeah, somebody did a hit and run". And I instantly thought of this thread. Heh.
But his wasn't as bad, just a small dent, though.
BluRmGrl
Rock n' Roll Doggie ALL ACCESS
Bono's Doll said:Check your auto policy & if you have Uninsured Motorists coverage you may be able to claim under that as a hit & run and avoid paying a deductible.
No dice on that, BD -- UIM coverage is only available to you if you can PROVE the other party is uninsured. And you have to know who the other party is in order to do that. At least that's the law in NC.... TN may be different, but I don't believe it is.Laura's choices are A) pay the damages out of pocket & leave her insurance company out of it, or B) IF she has Collision coverage on the car, file the claim, pay her deductible & let the ins company cover the rest of the costs.
Colours4U2
The Fly
set me straight on this one.
i bet it was a republican was let by with no comment
yet 'i bet it was a woman driver' was reprimanded.
whats the diffrence?
i bet it was a republican was let by with no comment
yet 'i bet it was a woman driver' was reprimanded.
whats the diffrence?
U2democrat
Blue Crack Addict
Well fuck. We got the estimation for the repair today and its $2400!!!!!!!! There was alot of internal damage, the windshield wiper fluid container had been completely knocked over on its side. My dad thinks that that's probably what the car is worth so there's a possibility that the insurance company could just buy it and then we would get a used car for me. 
I love my baby car! 
I love my baby car!
Colours4U2 said:
Palace_Hero has caused problems here in the past. Sherry Darling is one of the sweetest members here. I know that her comment was in jest, due to u2democrat's political affiliation. With Palace_Hero though...it's hard to tell. Does that seem unfair? I suppose it can seem that way. But that's just how it is. Life isn't always fair.
U2dork
Rock n' Roll Doggie
This has happened to me twice in the last 2 years, although the damage hasn't been to the extent you described. Someone hit me in the parking lot on campus while I was in class and dented/scratched the rear panel pretty badly. I had to have the entire back panel replaced which was about $1800 and it took well over a week (and 3 paint jobs) to repair which added about $200 for car rental. Recently, someone dented the same panel in the parking lot in front of my apartment. Insurance estimated that repair at $800, but a couple of days ago, somebody popped the dent out while I wasn't looking. It's really weird. I don't know who did it.
Both times, I had a police report made, which allowed my insurance company to use the uninsured motorist coverage to pay for any incidentals like rental cars. I think with most insurance companies, if the damage is more than the blue book value of the car, they'll mark it down as totaled and cut a check for the price in the blue book -I think.
Anyway, I know how you feel and I know it's just so frustrating but I like to think that karma's a bitch and whoever did it is gonna get what's coming to them someday.
Both times, I had a police report made, which allowed my insurance company to use the uninsured motorist coverage to pay for any incidentals like rental cars. I think with most insurance companies, if the damage is more than the blue book value of the car, they'll mark it down as totaled and cut a check for the price in the blue book -I think.
Anyway, I know how you feel and I know it's just so frustrating but I like to think that karma's a bitch and whoever did it is gonna get what's coming to them someday.
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U2democrat
Blue Crack Addict
I hope you're right about the karma. This sucks. What makes it worse is that the mechanics said they couldn't repair it for another 2 weeks...but i'm leaving for college in less than one!!!!!
BluRmGrl
Rock n' Roll Doggie ALL ACCESS
Laura, here's the rule in NC for totalling a vehicle: If the repairs are equal to or greater than 75% of the vehicle's value, it's considered a total loss.
You can a) let the insurance co. total the car, pay you it's actual cash value (meaning overall condition, mileage, etc would be deducted from the fair market value or Blue Book value) and you take that money as downpayment on a new(er) vehicle or use it to pay off any loan you may have on the car; or b) you buy back the salvage. You don't actually exchange any money with the ins. co. - you get a Salvage Title, keep the car, and either repair it yourself or drive it like it is.
Again, insurance laws vary from state to stare & I don't know VA law. But I would imagine it's a very similar procedure to here in NC. Best of luck to you regardless - I know it's a very busy time for you & you don't really need this extra headache!
You can a) let the insurance co. total the car, pay you it's actual cash value (meaning overall condition, mileage, etc would be deducted from the fair market value or Blue Book value) and you take that money as downpayment on a new(er) vehicle or use it to pay off any loan you may have on the car; or b) you buy back the salvage. You don't actually exchange any money with the ins. co. - you get a Salvage Title, keep the car, and either repair it yourself or drive it like it is.
Again, insurance laws vary from state to stare & I don't know VA law. But I would imagine it's a very similar procedure to here in NC. Best of luck to you regardless - I know it's a very busy time for you & you don't really need this extra headache!
U2democrat
Blue Crack Addict
BluRmGrl said:Laura, here's the rule in NC for totalling a vehicle: If the repairs are equal to or greater than 75% of the vehicle's value, it's considered a total loss.
You can a) let the insurance co. total the car, pay you it's actual cash value (meaning overall condition, mileage, etc would be deducted from the fair market value or Blue Book value) and you take that money as downpayment on a new(er) vehicle or use it to pay off any loan you may have on the car; or b) you buy back the salvage. You don't actually exchange any money with the ins. co. - you get a Salvage Title, keep the car, and either repair it yourself or drive it like it is.
Again, insurance laws vary from state to stare & I don't know VA law. But I would imagine it's a very similar procedure to here in NC. Best of luck to you regardless - I know it's a very busy time for you & you don't really need this extra headache!
I think we have that same rule. I'll probably end up having to get a new car, but i hope not because I love mine!
Liesje
Blue Crack Addict
U2democrat said:What makes it worse is that the mechanics said they couldn't repair it for another 2 weeks...but i'm leaving for college in less than one!!!!!
That sucks! At least you're living on-campus, right? Then you won't even need a car....heck, sometimes it's more of a bitch to have one, depending on what your school charges for parking (our is only $35 for the year I think, but the lots are far away...for some schools it's like $55 per month or over $1100 all at once!).
U2democrat
Blue Crack Addict
Yeah i'll be living on campus, but we've already paid the $200 for parking!
Liesje
Blue Crack Addict
U2democrat said:Yeah i'll be living on campus, but we've already paid the $200 for parking!
hmmmm, yeah......maybe you could sell your sticker for $199?
U2democrat
Blue Crack Addict
Well eventually i'll either be getting my car back repaired or a new used one, depending on what we do.
nbcrusader
Blue Crack Addict
BluRmGrl said:
Boy, if I scratch the paint on my car, it may be considered a total loss....
BluRmGrl
Rock n' Roll Doggie ALL ACCESS
^
U2democrat
Blue Crack Addict
FINALLY good news!!!
We're getting it repaired, and the insurance will pay for all but $200 of the repair costs.
We're getting it repaired, and the insurance will pay for all but $200 of the repair costs.
U2democrat
Blue Crack Addict
Bah. So the car was "repaired", but when my parents picked it up the A/C was broken so it'll go right back to the shop.
Mr. BAW
ONE love, blood, life
In the words of Danny Zuko, "What a hunk of junk!" 
U2democrat
Blue Crack Addict
My poor little Corolla.
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