Hit and Run/Insurance Question
Apr 19, 2009, 03:26 PM
#1
Hit and Run/Insurance Question
So I parked my car in the street friday night bc there wasn't enough room in the drive way, started drinking with some friends, and passed out later. To my surprise when I woke up, somebody ran into my car during the night sometime. None of my neighbors saw anything. 
The damage is bad, but not too bad. The driver's side driver and passenger door got bent up and crap, but it seems like an easy fix. On the driver door the window wont go down but like 3 inches, and the lock/unlock button does not work either. I have to manually push the lock button down on the driver's side door, and when I try to open the window, the door goes ajar. The door handle on the outside of the door stays sticking out as well, not too mention alot of paint chips and scratches on both doors.
It may sound dumb, but I have never delt with a situation like this before, but my question is since I have full coverage, it should be covered right? If so, would that raise my insurance rates up?
The damage is bad, but not too bad. The driver's side driver and passenger door got bent up and crap, but it seems like an easy fix. On the driver door the window wont go down but like 3 inches, and the lock/unlock button does not work either. I have to manually push the lock button down on the driver's side door, and when I try to open the window, the door goes ajar. The door handle on the outside of the door stays sticking out as well, not too mention alot of paint chips and scratches on both doors.
It may sound dumb, but I have never delt with a situation like this before, but my question is since I have full coverage, it should be covered right? If so, would that raise my insurance rates up?
Last edited by Beardly P; Apr 19, 2009 at 09:57 PM.
Apr 19, 2009, 06:44 PM
#2
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Join Date: Feb 2009
Location: Brisbane Australia
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yeah, ive had many an accident thats not my fault. I seem to be cursed 
It will be covered, but due to no details of the other person, you will have to pay the excess fee and it may or may not push your premium up. If they are a good company it WONT due to you decairing it not your fault. It also might not push the preium up, but your rating might go down? its really all up to them.
But you will just need to pay the excess and all that. Sux when its not your fault.
I had that happen to me cause the driver gave false details (city councel buss driver) and no one could find the buss with the damange.
a tip for you all,if your hit by a buss, grab the drivers PERSONAL licennce details no matter how much he doesnt want to give it over, the buss details or city council details will not do!
Mark
It will be covered, but due to no details of the other person, you will have to pay the excess fee and it may or may not push your premium up. If they are a good company it WONT due to you decairing it not your fault. It also might not push the preium up, but your rating might go down? its really all up to them.
But you will just need to pay the excess and all that. Sux when its not your fault.
I had that happen to me cause the driver gave false details (city councel buss driver) and no one could find the buss with the damange.
a tip for you all,if your hit by a buss, grab the drivers PERSONAL licennce details no matter how much he doesnt want to give it over, the buss details or city council details will not do!
Mark
Apr 19, 2009, 07:39 PM
#4
sweet. I'm assuming I will have to pay a deductible right? I have auto insurance with USAA, and I was going to report it to the police but I really did not see the use considering it wasn't an accident, nobody saw anything, and the police here in arlington suck ***!
(sorry to get off topic) for example, my brother's gf stayed the night one night, and her car got broken into and they heard the glass break, rushed outside, and the car drove off but they weren't able to get the license plate #. They called the cops, and the cops never came! They waited and every 30 min. they called the police, and after 2 hours, they gave up and filed a report over the phone. It has since been 6 months and nothing!
(sorry to get off topic) for example, my brother's gf stayed the night one night, and her car got broken into and they heard the glass break, rushed outside, and the car drove off but they weren't able to get the license plate #. They called the cops, and the cops never came! They waited and every 30 min. they called the police, and after 2 hours, they gave up and filed a report over the phone. It has since been 6 months and nothing!
Apr 19, 2009, 10:02 PM
#6
pics posted
Ok so, I called USAA to fix some online info. and after talking to her for a minute, the operator put me through to claims (which I tried to call yesterday but nobody was available?) and got an appt. tomorrow morning at a prefered USAA shop - Caliber Collision.
First, does anyone know anything or have had any experience w/this place?
Second, I am awaiting a phone call from my adjuster as to how much of a deductible I am going to have to pay. I'm hoping it's comprehensive bc thats only $100!
Ok so, I called USAA to fix some online info. and after talking to her for a minute, the operator put me through to claims (which I tried to call yesterday but nobody was available?) and got an appt. tomorrow morning at a prefered USAA shop - Caliber Collision.
First, does anyone know anything or have had any experience w/this place?
Second, I am awaiting a phone call from my adjuster as to how much of a deductible I am going to have to pay. I'm hoping it's comprehensive bc thats only $100!
Last edited by Beardly P; Apr 19, 2009 at 10:06 PM.
I have to pay only a $100 deductible, getting a rent car, and my RA should be fixed within a week! I love USAA! Trending Topics
Apr 21, 2009, 06:38 AM
#8
But you do realize that anyone with comprehensive insurance, $100 deductible and rental reimbursement would have received the same treatment?
Progressive takes it a step further with their Concierge service. But I'm sure USAA rates are much better.
Apr 21, 2009, 06:47 AM
#10
And as long as you go through the shop the insurance company recommends, you'll pay your deductible. Only way to get around that is have the insurance company do the estimate, cut you a check for the damages (minus your deductible) and shop around for a reputable shop with the lowest price. This is what I do and always put a few hundred in my pocket.
Apr 21, 2009, 03:39 PM
#11
And yes, ever since I joined the army and switched to USAA, my rates have been significantly better than the previous insurance companies I have been with
(same rates even though I am not enlisted anymore as well)
Apr 21, 2009, 03:43 PM
#12
As for my RA, I dropped the car off this morning, and I miss it! 
It was like dropping off your kid that first day of school or something. wow.
Enterprise gave me a 2008 Nissan Altima 2.5 which I must admit I am liking. It is nothing like the RA, but I do miss driving an automatic! My RA should be ready for pickup early next week!
Thanks for all the feedback
It was like dropping off your kid that first day of school or something. wow. Enterprise gave me a 2008 Nissan Altima 2.5 which I must admit I am liking. It is nothing like the RA, but I do miss driving an automatic! My RA should be ready for pickup early next week!
Thanks for all the feedback
Apr 30, 2009, 11:17 AM
#15
my car went in the shope yesterday around 5pm and im going crazy wondering if they joy ridin it or took it home or just around, im going crazy not having my baby near me!!!! wtf man this suck ****! how did your car come out? any paint drip or is it like new?
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