1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

Wife hit my truck with our van. Report to insurance?

Discussion in 'Off-Topic Discussion' started by LiquidArrogance, Apr 27, 2022.

  1. Apr 29, 2022 at 11:50 AM
    #21
    Otterstuff

    Otterstuff Well-Known Member

    Joined:
    Feb 23, 2022
    Member:
    #390998
    Messages:
    288
    Gender:
    Male
    Vehicle:
    2022 White SR5 Access Cab 4WD V-6
    Tube steps, Vision Turbine wheels, bug deflector, seat covers, and tonneau cover
    Turn it in as lot as she hasn't had a lot of other accidents or tickets. It doesn't matter who she hit. People back into their own cars in driveways all the time. My neighbor's wife has backed through their garage door two or three times. Some insurance companies advertise accident forgiveness. Depends on the company and how long you've been with them whether they raise her premium.
     
  2. Apr 29, 2022 at 11:54 AM
    #22
    cromag27

    cromag27 THE insurance expert - licensed in all 50 states

    Joined:
    Jul 10, 2018
    Member:
    #258888
    Messages:
    791
    Gender:
    Male
    First Name:
    dexter morgan (matt)
    phx-ish
    Vehicle:
    2011 trd off road dcsb
    it would still be considered an at fault accident and it can still raise premiums even with “accident forgiveness”.
     
  3. Apr 29, 2022 at 11:56 AM
    #23
    Otterstuff

    Otterstuff Well-Known Member

    Joined:
    Feb 23, 2022
    Member:
    #390998
    Messages:
    288
    Gender:
    Male
    Vehicle:
    2022 White SR5 Access Cab 4WD V-6
    Tube steps, Vision Turbine wheels, bug deflector, seat covers, and tonneau cover
    Maybe it depends on what state you live in. Aren't some states no fault?
     
  4. Apr 29, 2022 at 11:59 AM
    #24
    Toyko Joe

    Toyko Joe Here for the pictures

    Joined:
    Sep 19, 2014
    Member:
    #138654
    Messages:
    4,171
    Nope. Just get it fixed and move on.
     
    wilcam47 likes this.
  5. Apr 29, 2022 at 12:06 PM
    #25
    Bivouac

    Bivouac Well-Known Member

    Joined:
    Sep 5, 2021
    Member:
    #376253
    Messages:
    4,952
    Northern Lehigh Valley Pa
    Vehicle:
    2000 Tacoma 5 speed 3.4
    Remains to be seen I bought the tires and wheels the rest came along
    Do what you want But I pay insurance to use it!!

    I turn everything in!

    Then with my lack of driving I pay over $5.00 per mile only 4 tanks of gas since March 2020
     
    FranTheTacoMan and davidstacoma like this.
  6. Apr 29, 2022 at 12:11 PM
    #26
    cromag27

    cromag27 THE insurance expert - licensed in all 50 states

    Joined:
    Jul 10, 2018
    Member:
    #258888
    Messages:
    791
    Gender:
    Male
    First Name:
    dexter morgan (matt)
    phx-ish
    Vehicle:
    2011 trd off road dcsb
    michigan is often referred to as a no fault state. that determines whose insurance company pays for damages in certain accidents. however, fault is still assigned to the actual operator of the vehicle.
     
  7. May 1, 2022 at 3:17 AM
    #27
    HighCountryTacoma

    HighCountryTacoma Well-Known Member

    Joined:
    May 16, 2017
    Member:
    #219192
    Messages:
    1,393
    Gender:
    Male
    Colorado
    Vehicle:
    2017 DCSB TRD Off Road Quicksand
    Uhhh, no it’s not.
     
  8. May 1, 2022 at 4:13 AM
    #28
    cromag27

    cromag27 THE insurance expert - licensed in all 50 states

    Joined:
    Jul 10, 2018
    Member:
    #258888
    Messages:
    791
    Gender:
    Male
    First Name:
    dexter morgan (matt)
    phx-ish
    Vehicle:
    2011 trd off road dcsb
    uhhh, yes it is.
     
  9. May 1, 2022 at 4:21 AM
    #29
    Clearwater Bill

    Clearwater Bill Sometimes when I close my eyes, I can't see.

    Joined:
    Oct 11, 2014
    Member:
    #140097
    Messages:
    19,504
    Gender:
    Male
    First Name:
    Billy
    Largo Florida
    Vehicle:
    '13 5 lug base AC w/convenience package
    A few OE parts from fancy trucks
    Who has been defrauded?

    You damage your own property. You fix your own property.
     
  10. May 1, 2022 at 6:43 AM
    #30
    cromag27

    cromag27 THE insurance expert - licensed in all 50 states

    Joined:
    Jul 10, 2018
    Member:
    #258888
    Messages:
    791
    Gender:
    Male
    First Name:
    dexter morgan (matt)
    phx-ish
    Vehicle:
    2011 trd off road dcsb
    you’ve violated the contract of good faith you have with your insurance company and yes, we consider it fraud. it is grounds for cancelling and/or non renewing your policy. it will also become part of your “insurance history” that other company can also see if you shop around. boom.
     
  11. May 1, 2022 at 6:51 AM
    #31
    DingleTower

    DingleTower My truck is like yer truck

    Joined:
    Dec 21, 2020
    Member:
    #350283
    Messages:
    1,005
    Manitoba
    Vehicle:
    Pro MT - Lunar Rock
    That makes no sense. Insurance companies don't ever want to actually pay out. They're more than happy to let you pay out of pocket instead of them.
     
    davidstacoma likes this.
  12. May 1, 2022 at 6:53 AM
    #32
    RugglesTarlek

    RugglesTarlek Well-Known Member

    Joined:
    Nov 23, 2013
    Member:
    #117113
    Messages:
    243
    Gender:
    Male
    California
    Vehicle:
    basic basic basic 14 AC
    I'd think that 'good faith' and contractual obligations are pretty wibbley-wobbley. Do you have any actual citations of cases where the insured didn't ask for anything (ie, no benefit, to use the legal term) from their insurance company and was charged with fraud?
     
  13. May 1, 2022 at 6:53 AM
    #33
    Toyko Joe

    Toyko Joe Here for the pictures

    Joined:
    Sep 19, 2014
    Member:
    #138654
    Messages:
    4,171
    :rofl::smack:
    Um… the point of insurance is to ensure financial responsibility for damages. The item insured should be kept in good condition. If the owner damages their vehicle and decides not to repair it then claims that damage as part of another incident then, it would be considered fraud. To repair ones own vehicle without involvement of an insurance claim is not fraud because the financial responsibility was assumed by the owner.
     
    RugglesTarlek likes this.
  14. May 1, 2022 at 7:14 AM
    #34
    cromag27

    cromag27 THE insurance expert - licensed in all 50 states

    Joined:
    Jul 10, 2018
    Member:
    #258888
    Messages:
    791
    Gender:
    Male
    First Name:
    dexter morgan (matt)
    phx-ish
    Vehicle:
    2011 trd off road dcsb
    no necessarily. damaged/repaired vehicles impose a future risk to us. who is doing the repairs? are they qualified? is the vehicle going to be a future risk to us because it wasn’t repaired correctly? this is why vehicles with prior damage can cost more to insure, only you may not know it.
     
  15. May 1, 2022 at 7:17 AM
    #35
    cromag27

    cromag27 THE insurance expert - licensed in all 50 states

    Joined:
    Jul 10, 2018
    Member:
    #258888
    Messages:
    791
    Gender:
    Male
    First Name:
    dexter morgan (matt)
    phx-ish
    Vehicle:
    2011 trd off road dcsb
    there is no “charge” because it’s not criminal. but yes, we discover this type of fraud all the time, after the fact. and yes, it does impact the two-way contract of good faith. and yes, we can act within the scope of the states’s laws and take action. even if the insured wasn’t trying to gain anything. this type of fraud also demonstrates a possibly future risk with these customers.
     
  16. May 1, 2022 at 7:18 AM
    #36
    cromag27

    cromag27 THE insurance expert - licensed in all 50 states

    Joined:
    Jul 10, 2018
    Member:
    #258888
    Messages:
    791
    Gender:
    Male
    First Name:
    dexter morgan (matt)
    phx-ish
    Vehicle:
    2011 trd off road dcsb
    wrong. this is why i’m the insurance professional who takes fraud training classes every year, as part of licensure…. and you’re not.
     
    ABA180 likes this.
  17. May 1, 2022 at 7:33 AM
    #37
    OffroadToy

    OffroadToy my dog shits counter clockwise

    Joined:
    Sep 12, 2009
    Member:
    #22680
    Messages:
    6,006
    Gender:
    Male
    Vehicle:
    2007 Offroad
    Icon Stage 8, ECGS Bushing, Piaa Lights, Weathertech Mats, Westin light bar, OEM bed mat, AVS visors, rear differential breather extension, oil filter drain hose, a/c drain hose extension & reroute, front windows tint, Cat Security, tailgate clamp mod, XPEL headlight/fog light protectors, OEM block heater, BFG 265/75R/16 a/t k/o's, cabin air rodent protection screen, RCBS illuminated 4X4 switch mod, spare tire lowering mod, Timbren offroad bump stops, Crown braided/extended brake lines, Wet Okole seat covers, Step nerf bars, Overland Custom Design sway bar links.
    So your saying she hasn't offered to pay for the damage? :crazy:
     
    Last edited: May 1, 2022
  18. May 1, 2022 at 8:35 AM
    #38
    Clearwater Bill

    Clearwater Bill Sometimes when I close my eyes, I can't see.

    Joined:
    Oct 11, 2014
    Member:
    #140097
    Messages:
    19,504
    Gender:
    Male
    First Name:
    Billy
    Largo Florida
    Vehicle:
    '13 5 lug base AC w/convenience package
    A few OE parts from fancy trucks
    That means every body shop that does a non cosmetic repair for cash is an accessory to fraud.

    And any mechanical shop, including dealers, who perform repairs from damage (like bent suspension from curb strikes) for cash are also accessory to fraud.

    Please, shut them all down. They are wrecking the good faith of insurers from professional wallet picking.

    Sure seems common sense isnt very common.
     
  19. May 1, 2022 at 8:48 AM
    #39
    RugglesTarlek

    RugglesTarlek Well-Known Member

    Joined:
    Nov 23, 2013
    Member:
    #117113
    Messages:
    243
    Gender:
    Male
    California
    Vehicle:
    basic basic basic 14 AC
    So... no citations, then. Okay. No laws broken that you can point to. Okay.

    I think what bugs me the most is the industry using the term fraud, when it really isn't fraud in any legal or meaningful sense of the word. What it sounds like from here is that they're using the blanket excuse of "fraud" because the industry is too lazy or dishonest to just come out and say, "we think you're skeezy so we're going to drop you".
     
  20. May 1, 2022 at 10:49 AM
    #40
    Bivouac

    Bivouac Well-Known Member

    Joined:
    Sep 5, 2021
    Member:
    #376253
    Messages:
    4,952
    Northern Lehigh Valley Pa
    Vehicle:
    2000 Tacoma 5 speed 3.4
    Remains to be seen I bought the tires and wheels the rest came along
    In other words every little ding and scratch lights replaced needs to be reported to your insurance.

    I called my agent She laughed so hard She asked just where I ever heard that??

    I said maybe California She said" No telling what those people might do"

    We all know or should insurance is a company by company state by state ! It is possible some company that only deals high end vehicles might look at things like this. Just saying!!
     

Products Discussed in

To Top