Re: Over/under to file car accident with insurance

Oculus Spirit [97703]

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Joined: 7/13/02

I'd file it. That's $1500. Basically three years if you

Aug 9, 2019, 1:55 PM

lose the good driver discount. Really doesn't matter, if they pay, you'll pay. Here's a very true story...

Wife had a Youkon XL. I had a Camry. No speeding tickets or wrecks for a decade. We had pretty decent premiums, and with a good company. Car blows a stop sign and wife t-bones it. Totals her Youkon XL. Estimates were north of 25K ACV for the vehicle. Adverse driver was clearly at fault and ticketed. We file a claim with adverse driver's insurance company. They of course offered to total the car for the $25K ACV on the vehicle. BUT, I noted on our policy we had replacement coverage. That means if we total a car, we can get a brand new one with the same make/model. That was around $58K at the time. So we filed a claim under OUR policy for replacement and they sent a check.

NOW, I called first my agent, who's up in years and down on sharpness before doing this. Asked and he said since the other driver was at fault, it would NOT IMPACT my premiums. I reminded him that ACV for the vehicle was HALF what replacement cost, and my carrier would be hard pressed (with no injuries) to recover more than ACV from subrogation, leaving then like $28K in the hole. You don't just get away with that. He said they would recover the full replacement value from the adverse driver. I disagreed.

LSS....I was right. Premiums almost doubled.

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crappy insurance. They keep track of your claims, and they share.

Nother true story. Because of the replacement coverage we opted to use, wife got brand new SUV. Insurance almost doubled so we went with cheaper insurance. No longer a big-name reputable company, but hey, cheaper premiums is all that matters for UDP right?

Anyway, massive tree limb falls on wife's NEW SUV. Blows out windows and caves the roof. We're up at her family lakehouse. Was not a storm. Tree didn't appear rotten. Freak accident. We called and filed a claim. Tree limb fell on a Thursday night. Found it Friday morning and immediately reported it. Told them the damage. WINDOWS BLOWN OUT, caved roof. Glass everywhere inside. NO GARAGE OR SHELTER. So we asked them send a tow truck and get it. They said they had to send an appraiser out. Said he would be out there Monday. We said it would RAIN BY MONDAY AND WE HAD NO SHELTER OR WAY TO COVER THE CAR. They refused. We put a tarp over it. Best we could do. Couldn't drive it. It rained. Tarp leaked. Car flooded. We called ourselves and had it towed. Appraiser comes out Monday and we directed him to the shop where it was towed. Was $12K in damage, PLUS 5K for all new interior.

Over/under to file car accident with insurance

Duct tape is rather cheap***

and hard to get out of.***

Unfortunately beyond duct tape repair

Did your phone automatically title those photos BMW or

Whats the difference between a porcupine and a BMW?

It's like 10 years old though, insurance would prob total it***

Yep, 2010. Only 75k miles so I want to keep it going

You could always buy it back and fix it yourself

We have more than 1 car

When you take the car out for a spin to Johnson's house do

Had a Z4 that I called the batmobile

Just hang out in an industrial area with lots of