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AaronM · 12-21-2006, 08:11 PM

Last night somebody hit my car in a parking lot then took off. Did about a grand in damage....No security cams in the lot.

So, I called my insurance company today and asked them about my coverage for such a thing. I have a $1000 deductible so fuck reporting it and raising my rates...right?

Wrong.

According to my policy, if I don't report it then they can cancel me. But why in the hell would I report a grand worth of damage if the deductible is about the same?

So they can jack my rate at renewal time.

Fucked from the driver who hit me then fucked again by the insurance company.

Merry fucking Christmas to me.

Fucking bastards.

HighSociety · 12-21-2006, 08:15 PM

lower it, mine is 200, the difference is not as much as you think and they never want to tell you about it either, I had to bring the car in so they could look at it and they took a few pics and that was it

Screaming · 12-21-2006, 08:16 PM

no pics? man..

JD · 12-21-2006, 08:17 PM

that fucking sucks man. I've been nailed a few times in parking lots too. Nothing like 1k in damage or anything but still total shit when people do that shit and take off like little pussies

WiredGuy · 12-21-2006, 08:17 PM

If you don't have a police report then what's the insurance company going to do, force a claim on you? I can only see them saying you have to report it only if there exists a police report, no?
WG

Spunky · 12-21-2006, 08:20 PM

I thought I only tapped it a little

AsianDivaGirlsWebDude · 12-21-2006, 08:20 PM

That sucks. As expensive as it is to repair cars these days, parking lot owners should install security cams. It might not prevent accidents, but it would cause people to think twice about driving off and then facing hit and run charges.

ADG Webmaster

CaptainHowdy · 12-21-2006, 09:24 PM

That sucks !!

jimmy-3-way · 12-21-2006, 09:28 PM

Aaron, please do me a fave and hit me up on the Q.

<-----------------------------

madawgz · 12-21-2006, 09:28 PM

damn, well that sucks...:\

LiveDose · 12-21-2006, 09:31 PM

Quote:

Originally Posted by Spunky

I thought I only tapped it a little

That's what she said.

sicone · 12-21-2006, 09:32 PM

insurance companies get ya coming and going

DaddyHalbucks · 12-21-2006, 09:47 PM

Insurance companies suck.

DaddyHalbucks · 12-21-2006, 09:52 PM

First, you suffer whatever loss you have.

Then, to get paid, you usually have to do battle with your insurance company (which is always better prepared to do battle than you).

Fuck that!

GAMEFINEST · 12-21-2006, 09:54 PM

that sucks bro

NemesiS876 · 12-21-2006, 10:00 PM

Man so sorry ...

AaronM · 12-21-2006, 10:16 PM

Quote:

Originally Posted by made2ordervideos

lower it, mine is 200, the difference is not as much as you think and they never want to tell you about it either, I had to bring the car in so they could look at it and they took a few pics and that was it

It's actually a significant difference. And yes, I've shopped around.

baddog · 12-21-2006, 10:18 PM

Sorry, but how are they going to know anything happened if you don't tell them?

AaronM · 12-21-2006, 10:23 PM

Quote:

Originally Posted by AsianDivaGirlsWebDude

That sucks. As expensive as it is to repair cars these days, parking lot owners should install security cams. It might not prevent accidents, but it would cause people to think twice about driving off and then facing hit and run charges.

ADG Webmaster

Years ago I worked for Wells Fargo in one of their corporate offices. I had a hit and run occur in the parking lot about 75 feet away from the front door and the security station. Oddly enough, the security didn't know about it and the cameras didn't capture it. I discovered it when I noticed that my car alarm had been set off so I walked around the vehicle.

I started asking various people around the office and finally one of them told me they saw a guy looking at my car while the alarm was going off. Then the guy got in a car and drove away. The person showed me which car it was.

So....I went back to the security office and had them check who's car it was based on the parking permit. It belonged to one of the managers. I turned him in for hit and run and the company did NOTHING about it.

He later admitted to the accident and paid me cash to have it fixed.

What pissed me off more than anything about that was that the rent a cops flicked me shit when I asked them to review the video tapes.

AaronM · 12-21-2006, 10:25 PM

Quote:

Originally Posted by baddog

Sorry, but how are they going to know anything happened if you don't tell them?

Why do they need to know about it if they are not going to be involved in fixing it?

avalanche · 12-21-2006, 10:32 PM

Sorry to hear that....not sure what the law is where you are but in California an insurance company can't raise your rate unless you are 51% at fault for the accident.

A few years ago a drunk driver hit both of my cars in front of my house and did about $10k of damage. Paid the $500 deductible and got them both fixed, had a rental car for 3 weeks, just a headache. Definitely reduce your deductible for next time....but it still sucks no matter what happens.

baddog · 12-21-2006, 10:45 PM

Quote:

Originally Posted by AaronM

Why do they need to know about it if they are not going to be involved in fixing it?

They don't and they won't if you don't mention it.

tony286 · 12-21-2006, 10:50 PM

that sucks big time

Adultnet · 12-22-2006, 12:30 AM

this is totally fucked up ..

mattz · 12-22-2006, 12:31 AM

probably some fucking kids

Azlord · 12-22-2006, 12:33 AM

I think that if the accident wasn't causing while driving the car, your rate doesn't go up. I had the seat in my audi get rained on and ruined the leather. I called up insurance, and they said since it didn't happen while I was driving it, my rates do go up. State Farm incase you are wondering.

Jace · 12-22-2006, 12:33 AM

fuck man, that sucks...sorry to hear about that'

come to Atlanta and sleep it off in our guest bed, my wife would love to see you

georgeyw · 12-22-2006, 12:55 AM

How is your insurance co going to know you just got if fixed yourself?

AaronM · 12-22-2006, 12:59 AM

Quote:

Originally Posted by Jace

fuck man, that sucks...sorry to hear about that'

come to Atlanta and sleep it off in our guest bed, my wife would love to see you

I bet she would.

Ecchi22 · 12-22-2006, 01:01 AM

Calm down, shit happens :/

Big_D · 12-22-2006, 02:05 AM

ive had a hit and run before too man, it fuckin sucks, hope everything works out.

12-21-2006, 08:11 PM	#1
AaronM Too lazy to set a custom title Industry Role: Join Date: Oct 2001 Location: ┌∩┐ ◣_◢ ┌∩┐ Posts: 46,909	Fuck! Last night somebody hit my car in a parking lot then took off. Did about a grand in damage....No security cams in the lot. So, I called my insurance company today and asked them about my coverage for such a thing. I have a $1000 deductible so fuck reporting it and raising my rates...right? Wrong. According to my policy, if I don't report it then they can cancel me. But why in the hell would I report a grand worth of damage if the deductible is about the same? So they can jack my rate at renewal time. Fucked from the driver who hit me then fucked again by the insurance company. Merry fucking Christmas to me. Fucking bastards.

12-21-2006, 08:15 PM	#2
HighSociety Confirmed User Join Date: Jun 2005 Posts: 1,786	lower it, mine is 200, the difference is not as much as you think and they never want to tell you about it either, I had to bring the car in so they could look at it and they took a few pics and that was it __________________ http://www.highsociety.com http://www.playgirl.com http://www.cheri.com Jonathan "JC" Maldini ICQ: 223 643

12-21-2006, 08:16 PM	#3
Screaming I can change this!!!!! Join Date: Feb 2004 Posts: 18,972	no pics? man.. __________________

12-21-2006, 08:17 PM	#5
WiredGuy Pounding Googlebot Industry Role: Join Date: Aug 2002 Location: Canada Posts: 34,486	If you don't have a police report then what's the insurance company going to do, force a claim on you? I can only see them saying you have to report it only if there exists a police report, no? WG __________________ I play with Google.

12-21-2006, 08:20 PM	#6
Spunky I need a beer Industry Role: Join Date: Jun 2002 Location: ♠ Toiletville ♠ Posts: 133,947	I thought I only tapped it a little __________________ *YOUR INFORMATION HERE*

12-21-2006, 08:17 PM	#4
JD Too lazy to set a custom title Industry Role: Join Date: Sep 2003 Posts: 22,651	that fucking sucks man. I've been nailed a few times in parking lots too. Nothing like 1k in damage or anything but still total shit when people do that shit and take off like little pussies

12-21-2006, 08:20 PM	#7
AsianDivaGirlsWebDude Purveyor, Fine Asian Porn Industry Role: Join Date: Jul 2004 Location: San Francisco Bay Area Posts: 38,323	That sucks. As expensive as it is to repair cars these days, parking lot owners should install security cams. It might not prevent accidents, but it would cause people to think twice about driving off and then facing hit and run charges. ADG Webmaster __________________ Asian Diva Girls - Exclusive Photos and Videos Asian Diva Girls Affiliate Program (50% ccBill Revshare)

12-21-2006, 09:24 PM	#8
CaptainHowdy Too lazy to set a custom title Industry Role: Join Date: Dec 2004 Location: Happy in the dark. Posts: 93,648	That sucks !! __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available Great for TSS, Nifty Stats, remote work, virtual assistants, etc.

12-21-2006, 09:28 PM	#9
jimmy-3-way Confirmed User Industry Role: Join Date: Jun 2001 Location: Transform my name to numbers it'd be 121058710. Posts: 3,861	Aaron, please do me a fave and hit me up on the Q. <----------------------------- __________________ Make money offa that Asian honey - www.eroticmp.com.

12-21-2006, 09:28 PM	#10
madawgz 8.8.8.8 Industry Role: Join Date: Mar 2006 Location: Noordermarkt Posts: 30,509	damn, well that sucks...:\ __________________ TAEMDLRMSKRJIXMRLSMRJ.

12-21-2006, 09:32 PM	#12
sicone Retired Industry Role: Join Date: Jan 2004 Location: Sac Posts: 18,453	insurance companies get ya coming and going __________________

12-21-2006, 09:47 PM	#13
DaddyHalbucks A freakin' legend! Industry Role: Join Date: Feb 2004 Location: Las Vegas, Nevada USA Posts: 18,975	Insurance companies suck. __________________ Boner Money

12-21-2006, 09:52 PM	#14
DaddyHalbucks A freakin' legend! Industry Role: Join Date: Feb 2004 Location: Las Vegas, Nevada USA Posts: 18,975	First, you suffer whatever loss you have. Then, to get paid, you usually have to do battle with your insurance company (which is always better prepared to do battle than you). Fuck that! __________________ Boner Money

12-21-2006, 09:54 PM	#15
GAMEFINEST Make STACK$ Industry Role: Join Date: Nov 2006 Location: sexy time Posts: 14,439	that sucks bro __________________ Compound interest.

12-21-2006, 10:00 PM	#16
NemesiS876 Confirmed User Industry Role: Join Date: May 2006 Posts: 7,436	Man so sorry ...

12-21-2006, 10:18 PM	#18
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,089	Sorry, but how are they going to know anything happened if you don't tell them?

12-21-2006, 10:32 PM	#21
avalanche Confirmed User Industry Role: Join Date: Feb 2005 Location: SoCal Posts: 1,922	Sorry to hear that....not sure what the law is where you are but in California an insurance company can't raise your rate unless you are 51% at fault for the accident. A few years ago a drunk driver hit both of my cars in front of my house and did about $10k of damage. Paid the $500 deductible and got them both fixed, had a rental car for 3 weeks, just a headache. Definitely reduce your deductible for next time....but it still sucks no matter what happens. __________________ Avalanche CherryPimps - Daily Pornstars, LIVE and more!

12-21-2006, 10:50 PM	#23
tony286 lurker Industry Role: Join Date: Aug 2002 Location: atlanta Posts: 57,021	that sucks big time

12-22-2006, 12:30 AM	#24
Adultnet Confirmed User Join Date: Sep 2003 Posts: 8,713	this is totally fucked up .. __________________ TrafficCashGold Paying Webmasters Since 1996! Awesome Conversions! Fast Weekly Payments! Over 125 Tours!

12-22-2006, 12:31 AM	#25
mattz Confirmed User Industry Role: Join Date: Dec 2001 Location: AZ Posts: 7,697	probably some fucking kids

12-22-2006, 12:33 AM	#26
Azlord Confirmed User Industry Role: Join Date: Dec 2003 Location: City... City of Satan Posts: 2,651	I think that if the accident wasn't causing while driving the car, your rate doesn't go up. I had the seat in my audi get rained on and ruined the leather. I called up insurance, and they said since it didn't happen while I was driving it, my rates do go up. State Farm incase you are wondering.

12-22-2006, 12:33 AM	#27
Jace FBOP Class Of 2013 Industry Role: Join Date: Jan 2004 Location: bumfuck, ky Posts: 35,562	fuck man, that sucks...sorry to hear about that' come to Atlanta and sleep it off in our guest bed, my wife would love to see you

12-22-2006, 12:55 AM	#28
georgeyw 58008 53773 Industry Role: Join Date: Jul 2005 Location: Australia Posts: 9,864	How is your insurance co going to know you just got if fixed yourself? __________________ TripleXPrint on Megan Fox "I would STILL suck her pussy until her face caved in. And then blow her up and do it again!"

12-22-2006, 01:01 AM	#30
Ecchi22 Too lazy to set a custom title Industry Role: Join Date: Nov 2005 Posts: 10,012	Calm down, shit happens :/ __________________

12-22-2006, 02:05 AM	#31
Big_D CRAZY MOFUKKA Industry Role: Join Date: Jun 2006 Posts: 3,296	ive had a hit and run before too man, it fuckin sucks, hope everything works out.