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Insurance claim question
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09-02-2009, 11:17 AM | #1 |
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Insurance claim question
Took a golf ball to the roof of my car last week. Took it in to try and have it removed with PDR but they said the dent was where the inner reinforcement for the sunroof was. Body shop quoted me $1200 to fix the dent the conventional way and repaint the roof. Now my question would this fall under a comprehensive or collision claim? Would be be considered some sort of vandalism?
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09-02-2009, 11:25 AM | #2 |
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Why don't you call your insurance agent? Thats why you pay them all that money. I'd imagine comp, doubt it'd be vandalism. Guess it all depends if your car was parked at a golf course/driving range or if it was in your driveway and kids threw a golf ball at it.
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09-02-2009, 12:40 PM | #4 |
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Any chance you can have the golf course/driving range/putt putt owner's insurance pay for it? They usually have insurance just for that purpose - despite whatever disclaimers they may have on their property/parking lot.
I hit a parking block at a 7-eleven and 7-eleven's insurance paid for it. |
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09-02-2009, 12:46 PM | #5 |
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That kind of thing is the reason I have a split deductible. My collision is 500 but my comprehensive is only 50. Just FYI, in many cases it only costs about 30 bucks every 6 months for the difference between a 500 and a 50 dollar comprehensive. Between windshield replacement and a lot of other random things falling under that, it's so worth it. If yours is the same as your collision, eat it this time but look into changing it.
Wow, that surprises me. Good to know, at least it's something I could look into though I would think if I hit something, my insurance would cover it. For something like getting hit by a shopping cart (or golf ball) though, definitely worth looking into.
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09-02-2009, 02:12 PM | #6 | |
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09-02-2009, 02:48 PM | #7 | |
NHTSA Nazi
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BINGO...
Quote:
Most people don't understand that a low deductible in the comp is just a few dollars a year and pays you back with the firsat broken windshield... |
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09-02-2009, 02:51 PM | #8 |
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09-02-2009, 09:28 PM | #9 |
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Definitely a comp claim.
I know a guy who lives in an apartment complex with assigned parking and there is a walnut tree in front of his spot. The tree kept dropping walnuts on the car and denting it so the guy complains to the landlord for another spot and he says no. So he puts it in to his insurance company and they pay under comp and now are trying to go after the guy who owns the building. They are trying to claim he is liable since he was made aware of the hazard. The guy wouldn't sign a new lease until he got a new spot either. Lol! |
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09-03-2009, 07:37 AM | #10 | ||
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