Someone hit my parked car...suggestions?
- Thread starter Friday
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How do you know this. If he has liability it's not a problem, his insurance can still handle the claim. My impression is he had No insurance.
Big Phoenix
Pronouns: zie/zhem/zer
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Im assuming his talking about comprehensive, not liability becuase lol yeah thats pretty damn dumb.
Quineloe
Ahn'Qiraj Raider
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When he said he has no insurance, maybe he's talking about insurance relevant for this accident. If we're willing to give him the benefit of the doubt.
Eomer
Trakanon Raider
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He specifically said he "didn't want to pay for insurance any more". I dunno, that seems reasonably clear to me that he has zero insurance, but yeah I guess he could just have meant comprehensive. My business doesn't have comprehensive on any of our trucks, because it saves us like 20k a year. So long as we don't total a brand new truck every 18-24 months, we're in the clear!
Nester
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It is my assumption the he was discussing insurance relative to the accident. It is common for folks to say they don't have insurance when they mean they don't have collision (collusion ??) insurance. I have been guilded with Friday I gave him the benefit of the doubt. I also live in a jurisdiction that will not allow you to obtain an license plate with out liability insurance, so I have some bias on the procedure.
Its dumb to risk your car with no physical damage insurance, but its criminal to not even have liability.
Nester
Vyemm Raider
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When you say you don't have Comp (fire/theft/vandalism) do you really mean you don't have comp AND collision?
I guess you buy your vehicles out right with no leases? Many of the contractors fleets I Insure (in BC and AB) take advantage of lease vehicles for tax reasons (they say) and the lessor require full comp/coll.
Next time you renew your fleet ask for an option with just Comp. IMO it is wise to insure things out of your control, you can control your drivers with property training and hiring practices and stuff like GPS to see if they speed, but you can rarely control full vehicle theft/vandalism/or fire.
The biggest fleet loss i have seen was when a molative (sp) cocktail was tossed into a building that stored large commercial vehicles, it was 10+ $100k+ vehicles in one occurrence !
Its good to have at least comp cover because a comp claim will never increase your rates, unlike a collision.
Eomer
Trakanon Raider
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Sorry, meant no collision!Nester_sl said:
It's kind of 50/50. We've been buying a fair number of lightly used trucks lately. We came across a really good fleet company that sells us year old vehicles with low mileage for like half of what they would be new. In which case, we've just been buying them outright. In the end, as far as I understand it, there's no real big advantage to leasing tax wise, you just have to depreciate a bought vehicle over a longer period is all. Otherwise, it's more of a cashflow thing than anything.Nester_sl said:
Evernothing
Bronze Baronet of the Realm
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Friday
Lord Nagafen Raider
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Yes ofc I have liability. I can only imagine getting pulled over and the cop asking for my insurance and is like "Ahhhhh....right. Get out of the car sir."
I stopped paying for anything over basic cheap liability after I paid the car off. Dumb? Yep. Is it going to cost me? Probably. The nature of these things is that I never assumed some random 20 year old would come screaming through my apartment complex in a BMW Crossover and find my car. You know what they say about assuming though.
Thanks for the comments and suggestions. You guys are a beacon of hope in these troubled times.
Edit
I stopped paying for anything over basic cheap liability after I paid the car off. Dumb? Yep. Is it going to cost me? Probably. The nature of these things is that I never assumed some random 20 year old would come screaming through my apartment complex in a BMW Crossover and find my car. You know what they say about assuming though.
Thanks for the comments and suggestions. You guys are a beacon of hope in these troubled times.
Edit
Went towards the audi.
Frenzied Wombat
Potato del Grande
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Yeah I get it, and I don't know where you live in Texas, but here in Dallas my greater concern would be the fact that probably 80% of female drivers consider their cars to be mobile make-up counters and phone booths first, and 4000 pounds of mobile destruction second. I can't count the number of times some bimbo in her Range Rover has come deathly close to hitting me because she's staring at her phone, only to drive off oblivious to the fact that she almost caused a wreck. Shit rustles my jimmies to no end, but my view on collision insurance is not that I'm a bad driver, but that half the people on the road around me are worrying about their lipstick more than the road.
Tuco
I got Tuco'd!
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I dropped collusion from my wood bumper car 1 month before a blonde swerved into me and took my front bumper off. Cost me $40 for the sledge hammer, bolts and 4x4s!
Let us know what her insurance company says. Michigan is a no fault state where you'd be SOL, but Texas sounds different.
Let us know what her insurance company says. Michigan is a no fault state where you'd be SOL, but Texas sounds different.
iannis
Musty Nester
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I think you're kinda hosed. That car is totaled and with the insurance consideration it sounds like you'll be lucky to get bluebook.
You're gonna have to get something used and cheap for immediate use and come to some sort of arrangement with the lady who smashed your shit. Or maybe the insurance company will just give you money to go away. But they employ people whose sole job it is to gatekeep this sort of thing -- and if they think they can tell you to fuck right on off and not have to pay a dime they will. They tell people to fuck right on off when they know they're going to have to pay out anyway.
You're gonna have to get something used and cheap for immediate use and come to some sort of arrangement with the lady who smashed your shit. Or maybe the insurance company will just give you money to go away. But they employ people whose sole job it is to gatekeep this sort of thing -- and if they think they can tell you to fuck right on off and not have to pay a dime they will. They tell people to fuck right on off when they know they're going to have to pay out anyway.
Friday
Lord Nagafen Raider
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I'll update when I hear more. For now its just sit and wait for the cops to file this report - which should be amusing to read. For the time being some co-workers are letting me car pool with them and pay for gas.
Let me tell you this though...I watched them tow the wrecked remains of a car that was so damaged it had to be put on a flat bed towing truck; a car that got me from Washington, California, New Mexico, Texas and all over since 2008 when I was in the military without so much as a breakdown, flat tire, or any trouble what so ever...I wanted to cry (after the blood haze fury lifted).
Let me tell you this though...I watched them tow the wrecked remains of a car that was so damaged it had to be put on a flat bed towing truck; a car that got me from Washington, California, New Mexico, Texas and all over since 2008 when I was in the military without so much as a breakdown, flat tire, or any trouble what so ever...I wanted to cry (after the blood haze fury lifted).
Nester
Vyemm Raider
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Hitting a Parked car is about as straight forward as they come, they should also compensate you for your tow bill, and rental car. I would get this started right away, I bet they will lowball you with bluebook, so you are going to eat your depreciation, had you had your own insurance with a replacement cost or gap endorsement you would get a brand new Audi. now you are going to get about 80% of depreciated value. collect all receipts of maintenance and upkeep (oil change every 5000k etc...) you need to be able to prove your car was in the best possible condition to reduce the depreciation. They often start at "average condition"
I can not stress this enough, Kill the adjuster with kindness, they are people too, if they like you they can often help a bit more, if they don't like you, well your fucked and it may be court time.
Go to the police station the second the report is released, contact the driver, get her insurance info and start the claim right away
Based on the picture I sense some frame damage, this shit is going to be a write off so you want to start the process asap it can take a while.
Good luck and make sure to let us know how it goes.