Car Got Slammed!!

[bigb252]

Hit and run driver. My car was parked at home, and I went in the other vehicle...came back home to find the side of my car totally f*cked up! Needless to say, insurance won't cover it, and I have to pull the money out my ass somehow to fix it back up.

 

 

So the two side windows won't go down, and my A/C doesn't work because of the bad ignition coils. I'm dripping wet with sweat every time I use my car...

 

When it rains it pours, right?

[xmech2k]

Wow! Sorry to see that. People suck, don't they? Amazing the side mirror is still there. Well, just believe that karma will catch up to whoever did that. If they have the kind of life that they would do something like that and just get away with it because 'I can't get caught', I can pretty much guarranty they already lead a miserable life and are probably too ignorant to realize it!

 

Anyways, I was just curious for my education and maybe for others, I always assumed my insurance covered for things like this, minus a deductable of course. How is this not covered, and what do we have to do to get protected? This is a good opportunity for many of us to learn. Kind of sounds like those new commercials out with the guy in the suit acting like the wind, or a teenage girl, and trashing cars saying your insurance may not cover those things. I assume since I have a big name company that's not the case for me, but who knows?

 

Good luck with the repairs.

[bigb252]

Wow! Sorry to see that. People suck, don't they? Amazing the side mirror is still there. Well, just believe that karma will catch up to whoever did that. If they have the kind of life that they would do something like that and just get away with it because 'I can't get caught', I can pretty much guarranty they already lead a miserable life and are probably too ignorant to realize it!

 

Anyways, I was just curious for my education and maybe for others, I always assumed my insurance covered for things like this, minus a deductable of course. How is this not covered, and what do we have to do to get protected? This is a good opportunity for many of us to learn. Kind of sounds like those new commercials out with the guy in the suit acting like the wind, or a teenage girl, and trashing cars saying your insurance may not cover those things. I assume since I have a big name company that's not the case for me, but who knows?

 

Good luck with the repairs.

 

Liability coverage, with no uninsured + hit and run coverage...never saw it coming...

 

Plus I'm a broke college student under 25, so I didn't want to get murdered with car insurance payments-

 

Yea, the side mirror still works! Pieces of shattered mirror were all over the place, and I have to use the little 3x4 piece to see...the mirror motor still works, it just that the housing behind it wouldn't let the motor adjust it or whatnot.

[bbf2530]

Anyways, I was just curious for my education and maybe for others, I always assumed my insurance covered for things like this, minus a deductable of course. How is this not covered, and what do we have to do to get protected? This is a good opportunity for many of us to learn. Kind of sounds like those new commercials out with the guy in the suit acting like the wind, or a teenage girl, and trashing cars saying your insurance may not cover those things. I assume since I have a big name company that's not the case for me, but who knows?

 

Good luck with the repairs.

 

 

Hi xmech. :D First, it is always best to consult with your Insurance Agent or Company Representative to get the most accurate information for your particular policy and State. That being said: In most States in the U.S. (not all, but most), a "hit-and-run" type accident would fall under the "Collision Coverage" portion of an Automobile insurance policy. Therefore, if your policy includes "Collision Coverage", the hit-and-run would be covered (minus the Collision deductible). There are some States which cover hit-and-runs under "Uninsured/Underinsured" motorist coverages, but you would need to check with your Insurance company for the particulars in your State and on your policy.

 

Hit-and-run accidents do not usually fall under "Uninsured Motorist Coverage" (again, in most States). And there is no such thing as a separate "hit and run" coverage on an auto policy. Hit and runs are simply handled under the "Collision" portion of the policy. So if you have "Collision" you are covered. If you do not have "Collision" you are not covered.

 

Generally, any new car with an outstanding loan is required (by the lending institution) to have a 'Full Coverage" policy which includes Liability, Collision, Comprehensive, Uninsured Motorist coverage etc etc.. Banks usually require this type of "full coverage" to protect their interest in the vehicle (their interest is the unpaid balance of the loan). I am not sure why bigb does not have "Collision" and other normally required coverages (maybe paid cash for the car?), but this can serve as a good lesson for others.

 

In addition, bigb has some other variables that are unusual/particular to his particular situation (prior policy claims, father does not want another claim on the policy etc.).

 

If you have any questions feel free to ask. Or you can always call your Insurance agent or Company Representative to verify your coverages.

 

Hope this clears up any confusion.

 

Good luck. :beerchug:

Edited August 19, 2010 by bbf2530

[akirby]

Liability coverage, with no uninsured + hit and run coverage...never saw it coming...

 

Plus I'm a broke college student under 25, so I didn't want to get murdered with car insurance payments-

 

Penny wise, pound foolish.

 

This is a good lesson - if you can't afford the insurance and you can't afford to throw the car away and get a new one, then you can't afford the vehicle in the first place.

 

Not trying to preach, just educate. It's easy to think of insurance as a non-necessity when cash gets tight - until something like this happens.

[bigb252]

Paid for the car in full last year, a 2006 v6 with 27k miles for $8000 flat

[xmech2k]

Thx for the reply bbf. Sounds like you know a thing or two (or 3 or 4! ) about insurance! You in the business?

 

I only did liability on my previous car for a few months prior to trading it for my Fusion. I was already at the point financially that if something happened to it, I could go find a replacement. I was wishing someone would steal it, as I think I could have got more for it! (Before I went to liability only, of course.) :hysterical:

 

Sorry for what you'll have to deal with bigb. Thx for being big enough to tell us about the situation. Maybe others will learn from it. Confuscious say 'a wise man learns from his mistakes'. I say 'a wiser man learns from other peoples mistakes'!