PLEASE READ Re: VANDALISM on Spring Cruise - Page 4

311evo · 04-17-2008

^^Agreed!

on a different note, my insurance, as i assumed would do this again, shat on my chest. In order to get the wing/ trunk/ wiper fixed, $500 deductable, Drivers side key mark, another $500, passanger side key mark, yep- another $500. so basically i have a $1500 deductable!? what the shit. well i hope i can explain this shenadigens to the shop i choose to go to, and hopefully they'll put enough funds in the estimate to cover the key marks to.

I wish i had an insurance agent that wasn't the devil's advocate.

Chukee_R · 04-17-2008

That's fucking bullshit.

It should be $500 deductable fixes everything! Did you have the keying marks on the police report?

My insurance company only covers what I have listed in the police report. However when I hit some black ice and slid into a curb on an off-ramp over the winter...the actual cost to fix my car was almost 3x the original estimate. No questions asked though cause the shop working on my car was a "Preferred Shop" by my Insurance.

**Kracka** · 04-17-2008

311, did you tell your insurance everything (wing, wiper, scratches, key'ings, etc.) all happened at the same time? If so, then it should only be a $500 deduc, if you told them they were separate incidents then $1500 deduc is correct.

311evo · 04-17-2008

I do not belive the police man put them on the reports, they were from before, but we never talked to insurence about it before.

311evo · 04-17-2008

We did tell them they happened at the same time, but they said some bull shit like it wasn't in the police report, therefore $1500 for all of it. fuhk that, do you think a shop would understand my situation and hopefully put enough in the estimates to get the key marks fixed?

AwdGSX13 · 04-17-2008

some shops are always willing to help

I had one throw my cracked bumper that was already their into the report so i could get that replaced as well lol

SLOW_V · 04-17-2008

Quote:

Originally Posted by 311evo

I do not belive the police man put them on the reports, they were from before, but we never talked to insurence about it before.

Not to be a brick but each incident not related to the this one could warrant different deductable. I can see why insurance is making it difficult. GL.

311evo · 04-17-2008

right, but the agent doesn't know they are different incidences. We told them we didnt realize they were there in the parking garage because the car was dirty, and it was dark, but when i washed it i noticed them. they wouldn't even consider what i was saying, and the passanger side and drivers side i think happened at the same time anyway

rose0529 · 04-17-2008

Can you call the police dept and add that to the police report?

311evo · 04-17-2008

Quote:

Originally Posted by rose0529

Can you call the police dept and add that to the police report?

ill try that tonight after school, i think i got that green sheet in my bag still.

AwdGSX13 · 04-17-2008

that is unbelievable that an insurance company can not complete their side of the bargain.

311evo · 04-17-2008

very believable, the only thing insurance does it hoard our money, make us pay an extra chunk when something does actually happen, then they MIGHT cover the damage. what the hell.

rose0529 · 04-17-2008

if you dont have your green sheet I do.... I would try calling them and adding it.... then insurance can't refuse... sorry to hear they are giving you the run around... mine went really good, got the payout in my account this am!

311evo · 04-17-2008

Quote:

Originally Posted by rose0529

if you dont have your green sheet I do.... I would try calling them and adding it.... then insurance can't refuse... sorry to hear they are giving you the run around... mine went really good, got the payout in my account this am!

i'm very jealous

I'll check and let you know tonight, Thanks!

AwdGSX13 · 04-17-2008

Hassle em 311! They will eventually give im sure. Otherwise after this whole mess maybe a new ins. company is in order?

311evo · 04-17-2008

i wanted to go with a different one, but my dad wouldn't have it. i guess he's had insurance with these guys for some time so I get a discount by being on his account or some shit. not worth it imo

AwdGSX13 · 04-17-2008

Hmm, yeah def. not worth the hassle and to have to get the run around deal. But what can ya do. I kinda thought the same also when i had Farmers Ins. but have switching to progressive my Ins. dropped like $75 a month!

SLOW_V · 04-17-2008

Quote:

Originally Posted by 311evo

right, but the agent doesn't know they are different incidences. We told them we didnt realize they were there in the parking garage because the car was dirty, and it was dark, but when i washed it i noticed them. they wouldn't even consider what i was saying, and the passanger side and drivers side i think happened at the same time anyway

Did you deal with the agent or claims adjustor? You shouldn't deal with the agent to begin with. All they are good for is to take your money. LOL. The claim adjustor should of been your contact. Again, I don't the whole story w/your insurance company. GL.

DSM_421 · 04-17-2008

311evo, I'd have to say that I would just pay 500 for the wing / truck / wiper damage and another 500 for both key marks.

I wouldn't even risk the chance of getting insurance fraud pinned on me to save a few hundred bucks. I know this contradects what I said earlier, "Get them both covered at the same time." But the good half of my brain is telling me you could just be walking into water that might be too deep.

I mean you are young, and you don't want to have Insurance Fraud on your record for the rest of your life because of 500 dollars. I mean you won't ever get a respectable job with having that on your record.

311evo · 04-18-2008

Quote:

Originally Posted by DSM_421

311evo, I'd have to say that I would just pay 500 for the wing / truck / wiper damage and another 500 for both key marks.

I wouldn't even risk the chance of getting insurance fraud pinned on me to save a few hundred bucks. I know this contradects what I said earlier, "Get them both covered at the same time." But the good half of my brain is telling me you could just be walking into water that might be too deep.

I mean you are young, and you don't want to have Insurance Fraud on your record for the rest of your life because of 500 dollars. I mean you won't ever get a respectable job with having that on your record.

Your totally right. I know what i "should" do, but i'm more or less just whining about how there system works. I'm supposed to go in for a quote at luther collision tomorrow, but i might just go to a local shop and suck it up.

Also i think Sheides might be showing me a couple today.