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Auto Insurance Claims ?

Discussion in 'Off-Topic Discussion' started by ilovetacos, Nov 14, 2010.

  1. Nov 14, 2010 at 7:54 AM
    #1
    ilovetacos

    ilovetacos [OP] Well-Known Member

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    So.....I got in a little fender bender.

    Would this be a COLLISION or COMPREHENSIVE claim?

    Thanks!
     
  2. Nov 14, 2010 at 7:58 AM
    #2
    brutalguyracing

    brutalguyracing BIG DADDY

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    dam your own car really.......:anonymous:
     
  3. Nov 14, 2010 at 7:58 AM
    #3
    brutalguyracing

    brutalguyracing BIG DADDY

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  4. Nov 14, 2010 at 7:59 AM
    #4
    ilovetacos

    ilovetacos [OP] Well-Known Member

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    They're coming....
     
  5. Nov 14, 2010 at 8:01 AM
    #5
    ilovetacos

    ilovetacos [OP] Well-Known Member

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  6. Nov 14, 2010 at 8:01 AM
    #6
    ilovetacos

    ilovetacos [OP] Well-Known Member

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  7. Nov 14, 2010 at 8:02 AM
    #7
    Slimwood Shady

    Slimwood Shady I love your mom!

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    Collision! Good luck with that...I hit the beam on my car port at my old house and ripped the bumper cover off my ex-wifes car!!! I had just recently purchased an Xtera, and she made me drive the damn Kia rental while hers was getting fixed!
     
  8. Nov 14, 2010 at 8:02 AM
    #8
    CelticTaco151

    CelticTaco151 Well-Known Member

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    This is a collision claim. No question. You will have to pay the collision deductible, if you have one. This will also count against you for the next few years, if you file a claim. Do you think it will be a lot more than your deductible to get fixed? If it isn't much more, I would pay to have it fixed and not file. Do you have full coverage on the pilot?
     
  9. Nov 14, 2010 at 8:03 AM
    #9
    brutalguyracing

    brutalguyracing BIG DADDY

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    pop that shit out and get a lil touch up paint you will never know
     
  10. Nov 14, 2010 at 8:03 AM
    #10
    Slimwood Shady

    Slimwood Shady I love your mom!

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    That isn't bad! I would try to pop it out and get it touched up.
     
  11. Nov 14, 2010 at 8:04 AM
    #11
    cummins6speed

    cummins6speed Well-Known Member

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    Personally I would just leave it if I couldn't afford to get it fixed out of my pocket or I couldn't do it myself.
     
  12. Nov 14, 2010 at 8:07 AM
    #12
    ilovetacos

    ilovetacos [OP] Well-Known Member

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    Comp Deductible is $100 and Collision is $500 :(

    My wife will not go for that...It's a 2010 and she is just as anal about her Pilot as I am with the Tacoma.
     
  13. Nov 14, 2010 at 8:08 AM
    #13
    ilovetacos

    ilovetacos [OP] Well-Known Member

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    Thanks for the rep whoever did it!:D
     
  14. Nov 14, 2010 at 8:10 AM
    #14
    CelticTaco151

    CelticTaco151 Well-Known Member

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    The first thing I would do is get an estimate on repairs. Make sure you say you are probably not going to file a claim, because usually estimates are higher when they know an insurance company is going to pay out. Let them know you are comparing prices. If it too much money for you to pay out of pocket, then you may want to think about filing the claim. You may have a policy with a forgiveable accident so that there isn't an accident surcharge. I would talk to your agent after getting some estimates.
     
  15. Nov 14, 2010 at 8:12 AM
    #15
    brutalguyracing

    brutalguyracing BIG DADDY

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    :D
    oh its the first one that stings...much easier after that
     
  16. Nov 14, 2010 at 8:16 AM
    #16
    ilovetacos

    ilovetacos [OP] Well-Known Member

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    Thanks for the advice! I will get some estimates tomorrow. I am guessing this will cost over $1000 to fix because the entire bumper will need to be repainted. Sensor will most likely need to be replaced.

    Thanks!
     
  17. Nov 14, 2010 at 8:18 AM
    #17
    CelticTaco151

    CelticTaco151 Well-Known Member

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    Ouch! Sensors are pricey. Good luck with everything, and even if you do have to file a claim...that is why you have insurance. So don't beat yourself up too bad. Let us know the outcome!
     
  18. Nov 14, 2010 at 8:18 AM
    #18
    cummins6speed

    cummins6speed Well-Known Member

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    Well if that is the case then you have no choice but to get it fixed. It is just a car though and that miniscule amount of damage isn't going to affect anything other than your wife's eyesight
     
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