Hit and run advice please

Pittrider · Jan 10, 2017

hilux22RE said: ↑

This happened to me last week, in a sense. I was freshly parked in the grocery store lot, unhooking my phone ... felt a thud and the truck wiggled a bit.

"are you fucking kidding me?" I thought.

So I get out, inspect for damage ... older woman in a 90's Buick comes up to me "I'm sorry ... I'm so sorry."

I begin inspecting for damage, seconds later I notice her walking toward the store out of the corner of my eye. HA, the nerve!

I yell ... "Ma'am, unless you want the police to be here when you come back out, I suggest you stay on the scene until we figure this out."

She walks in FASTER! Ha.

Her car was very low relative to my truck, and I just got some black plastic transfer from her bumper onto my wheel (which rubbed right off). But holy shit, the nerve of trying to leave the scene. I can look pretty intimidating, so I was extra careful to be courteous given the circumstances.

I wanted to do something about her running away, but that would have been unreasonable considering there was no damage. No harm no foul I guess ...
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I stay far away from Buicks, FAR AWAY! I know you were there first, demon showed up and got your truck. Damn Buicks should be banned, along with anybody old enough to be driving them.

Duckman · Jan 10, 2017

fdbyrne said: ↑

Third, hit and run claims like that aren't collision claims. They are comprehensive claims. Comprehensive claims often have a lower impact on premiums than collision claims and they aren't usually counted as at-fault.
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Kemosobee... this guy speaketh truth . It was amazing how nice my insurance folks were to fix this...did even balk and my rates did not go up.

Hank Heel · Jan 10, 2017

gpb said: ↑

I'd have called that one in just out of principle. Damage or not, she hit your truck so it's not for her to decided whether or not to stick around.
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This
Happened to me when the truck wasn't a week old, I got bumped in the rear(yea yea..) lady gets out, goes into a teriyaki place gets her food and leaves while yelling "it's your fault" no damage(scratch on unpainted portion of rear bumper) but have some decency. Called the cops, he tracked her, reason she left was not having insurance. He called me saying he gave her a citation for no insurance and asked if I wanted to press charges, I said no thanks.

TacoFister · Jan 10, 2017

hilux22RE said: ↑

This happened to me last week, in a sense. I was freshly parked in the grocery store lot, unhooking my phone ... felt a thud and the truck wiggled a bit.

"are you fucking kidding me?" I thought.

So I get out, inspect for damage ... older woman in a 90's Buick comes up to me "I'm sorry ... I'm so sorry."

I begin inspecting for damage, seconds later I notice her walking toward the store out of the corner of my eye. HA, the nerve!

I yell ... "Ma'am, unless you want the police to be here when you come back out, I suggest you stay on the scene until we figure this out."

She walks in FASTER! Ha.

Her car was very low relative to my truck, and I just got some black plastic transfer from her bumper onto my wheel (which rubbed right off). But holy shit, the nerve of trying to leave the scene. I can look pretty intimidating, so I was extra careful to be courteous given the circumstances.

I wanted to do something about her running away, but that would have been unreasonable considering there was no damage. No harm no foul I guess ...
Click to expand...

I would put on my ski mask and grab my baseball bat and followed her home......That's me though, different thoughts. Jk. Anyhow I would have called the cops just cause she went inside. She could do worse in the future and get away with it by just walking away. Screw that. We see to much of that shit. Even if no damage occurred, lesson needs to be taught.

ZachPrerunner · Jan 10, 2017

File claim. See where it goes. Decide from there if you want to take the offer. Otherwise, pay out of pocket or leave it

7r41lbr34k3r · Jan 10, 2017

TacoFister said: ↑

I would put on my ski mask and grab my baseball bat and followed her home......That's me though, different thoughts. Jk. Anyhow I would have called the cops just cause she went inside. She could do worse in the future and get away with it by just walking away. Screw that. We see to much of that shit. Even if no damage occurred, lesson needs to be taught.
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In the end, I really didn't want her to go home with her husband waiting to beat her with his jumper cables. There is no saving the world from old white ladies who drive a Buick. Had she also been Asian, holyshityes ... I would have called in an air strike.

TacoFister · Jan 10, 2017

hilux22RE said: ↑

In the end, I really didn't want her to go home with her husband waiting to beat her with his jumper cables. There is no saving the world from old white ladies who drive a Buick. Had she also been Asian, holyshityes ... I would have called in an air strike.
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Beat her with jumper cables. Hahaha. She gon learn today! !

Fulton246 · Jan 10, 2017

It sucks when people hit and run. I just had to go through the same thing with my car.

Despite what many have said, this damage will have to be covered by your collision coverage. However, it should be marked as a not at fault accident. Depending on the amount paid by insurance, you could see a small rate increase.

Generally speaking, there are two types of uninsured motorist coverage, but neither will apply here. The first is uninsured motorists coverage for bodily injury and the other is uninsured property damage (UPD) coverage. The laws vary in each state, but a common theme among all is that in order to use UPD you have to know who hit you and you have to be able to confirm that they do not have active insurance.

Good luck with the repairs.

Fulton246 · Jan 13, 2017

fdbyrne said: ↑

I am an insurance underwriter and see this all the time.

First, report it to the insurance company. There is a clause in your insurance policy that requires timely reporting so that the insurance company can do a proper investigation. If enough time passes that they can't properly investigate, it will nullify your coverage.

Second, don't hesitate to file a claim for fear of it impacting your rates. You can always decline to accept the payout if the total ends up being too low to justify accepting. Let the insurance company investigate and run numbers and then you'll know whether it's smart to take the check or close the claim.

Third, hit and run claims like that aren't collision claims. They are comprehensive claims. Comprehensive claims often have a lower impact on premiums than collision claims and they aren't usually counted as at-fault.
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That third statement is incorrect... a hit and run is a collision claim.

fdbyrne said: ↑

Sorry man. You're wrong on all counts. I'd suggest reading your policy.

There isn't a 'statute of limitations,' there is a timely reporting clause. You are required by the insurance contract to report any losses in a 'timely manner.' The reason for this is that the insurance company has a right to investigate and waiting too long can jeopardize that right. Here's an example.... let's say someone breaks into your home (home policies have the same clause) and you decide at first that you aren't going to file a claim. You wait a few months, replace the locks, buy replacement DVDs, paint the door to get rid of the shoe print, etc. Then, after a few months you realize that it would have been smarter to use the insurance instead of paying out of pocket and filing a claim. By that point, there is no evidence of a break-in, you can't remember what was stolen, and the neighbors can't remember what they saw and heard the night of the break-in. Is the insurance company supposed to just take your word that there was a crime at all?

A hit and run claim is only ever a collision claim if the vehicle was being operated at the time of loss. If you're driving down the road and a drunk hits you and then drives off, that's collision. If your vehicle is sitting in a parking lot and you come out of the store to find out that someone hit it then drove off, that's comprehensive.

Many companies offer a comprehensive claim-free discount that you will lose if you file a comp claim (usually not including glass-only claims). So if you lose a discount, yeah, your premium can go up.

Again, it might be a good idea to read your policy. It doesn't sound like you have a firm grasp of what's covered and what's not.
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And so much of that is incorrect... Stop spreading bad information.

ejl923 · Jan 10, 2017

fdbyrne said: ↑

I am an insurance underwriter and see this all the time.

First, report it to the insurance company. There is a clause in your insurance policy that requires timely reporting so that the insurance company can do a proper investigation. If enough time passes that they can't properly investigate, it will nullify your coverage.

Second, don't hesitate to file a claim for fear of it impacting your rates. You can always decline to accept the payout if the total ends up being too low to justify accepting. Let the insurance company investigate and run numbers and then you'll know whether it's smart to take the check or close the claim.

Third, hit and run claims like that aren't collision claims. They are comprehensive claims. Comprehensive claims often have a lower impact on premiums than collision claims and they aren't usually counted as at-fault.
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Even if you dont take the payout, does the insurance company take into account that your vehicle is worth less with damage and would have a lower payout if totaled, stolen, etc? This assumes youre living with the damage, and its now on record that you have it.

remgu2000 · Jan 10, 2017

Sheepshead45 said: ↑

If I had a $1k deductible, I'd be prepared to drive around with some dents in my truck.
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Yup. That's why I prefer to pay more per month and stick with a $250 deductible.

kystnTRD · Jan 10, 2017

remgu2000 said: ↑

Yup. That's why I prefer to pay more per month and stick with a $250 deductible.
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Depends on how you look at it, I've never had to use it in 17 years......pretty sure I still come out way ahead on that one. For example if I payed 15 dollars a month more for the coverage you have that would be 180$ per year in premiums multiplied by 17 years that's 3060$.

kystnTRD · Jan 10, 2017

Fulton246 said: ↑

It sucks when people hit and run. I just had to go through the same thing with my car.

Despite what many have said, this damage will have to be covered by your collision coverage. However, it should be marked as a not at fault accident. Depending on the amount paid by insurance, you could see a small rate increase.

Generally speaking, there are two types of uninsured motorist coverage, but neither will apply here. The first is uninsured motorists coverage for bodily injury and the other is uninsured property damage (UPD) coverage. The laws vary in each state, but a common theme among all is that in order to use UPD you have to know who hit you and you have to be able to confirm that they do not have active insurance.

Good luck with the repairs.
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This is exactly how my situation is being handled. It's sucks sure, but life goes on.

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Hit and run advice please

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Hit and run advice please

#41 Pittrider Pitty, those needing correction.

#42 Duckman n00b Extordinaire

#43 Hank Heel Well-Known Member

#44 TacoFister Well-Known Member

#45 ZachPrerunner Sometimes she goes, sometimes it doesn’t

#46 7r41lbr34k3r Practitioner of the mechanical arts.

#47 TacoFister Well-Known Member

#48 Fulton246 Well-Known Member

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#51 remgu2000 Keepin' on keepin' on.

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#41
Pittrider Pitty, those needing correction.

#42
Duckman n00b Extordinaire

#43
Hank Heel Well-Known Member

#44
TacoFister Well-Known Member

#45
ZachPrerunner Sometimes she goes, sometimes it doesn’t

#46
7r41lbr34k3r Practitioner of the mechanical arts.

#47
TacoFister Well-Known Member

#48
Fulton246 Well-Known Member

#49
Fulton246 Well-Known Member

#50
ejl923 Well-Known Member

#51
remgu2000 Keepin' on keepin' on.

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kystnTRD [OP] Ramblin Man

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