Not too worry. If you have a witness, that something fell on
your vehicle, take it to a shop get and estimate and report it to
your insurance carrier. That kind of damage is covered by your
comprehensive coverage. Comprehensive claims do not effect ones
rate.
mike hunt
> Hi All: I have a 2005 Escape Limited Red Fire metallic. I was
> talking to my neighbor today about how I've had this car for 8 months
[quoted text clipped - 11 lines]
>
> Anyone try this before?
I have $500.00 deductible. I doubt it that the damge would be more
than that. I also want to keep the peace in the neigborhood. If I have
to start implicating people (the neighbors 7 year old kid did it by
accident) then the insurance company will undoubtedly hassle the kid's
family. I don't want that. If it was vandalism, that would be a
different story.
Got some touchup piant today. Looks like I can do a pretyy decent job
fixing it. I tried using a opti-visor 2.5x magnifier while I was
painting. Comes out a lot better when you can see what your doing
close up.
M
>Not too worry. If you have a witness, that something fell on
>your vehicle, take it to a shop get and estimate and report it to
[quoted text clipped - 19 lines]
>>
>> Anyone try this before?
dold@XReXXWhats.usenet.us.com - 21 Mar 2005 23:21 GMT
> I have $500.00 deductible. I doubt it that the damge would be more
> than that. I also want to keep the peace in the neigborhood. If I have
> to start implicating people (the neighbors 7 year old kid did it by
> accident) then the insurance company will undoubtedly hassle the kid's
> family. I don't want that. If it was vandalism, that would be a
> different story.
You probably have a $500 deductible on collision, and $150 on
comprehensive. This would be a comprehensive claim, and you don't have
to implicate anyone. When my car was "keyed", I got it fixed. I never
named names, I wasn't even sure where is happened.
> Got some touchup piant today. Looks like I can do a pretyy decent job
> fixing it. I tried using a opti-visor 2.5x magnifier while I was
> painting. Comes out a lot better when you can see what your doing
> close up.
In another year or two, it won't look as good.
If my 2005 Escape got scratched, I'd get it fixed.
A proper repair on my car was to repaint to the nearest visual break. side
to side, that was a full door, top to bottom it was the bottom of the door
and a bumper strip.
---
Clarence A Dold - Hidden Valley (Lake County) CA USA 38.8,-122.5
BenDover@mailcity.com - 22 Mar 2005 00:16 GMT
Are you sure? That sounds more like a collision coverage
deductible. A larger deductible, $500 v $250, can save you money
on collision coverage but the difference in premium between $500
and zero deductible on comprehensive is only a few dollars
annually, like $20. I pay less than $150 annually for
comprehensive coverage on two 2005 vehicles, and one is a
convertible.
mike hunt
> I have $500.00 deductible. I doubt it that the damge would be more
> than that. I also want to keep the peace in the neigborhood. If I have
[quoted text clipped - 33 lines]
> >>
> >> Anyone try this before?
Some ga - 22 Mar 2005 02:46 GMT
>Are you sure? That sounds more like a collision coverage
>deductible. A larger deductible, $500 v $250, can save you money
[quoted text clipped - 28 lines]
>> >mike hunt
>> ><snip>
many companies will cancel comprehensive coverage after 3 claims in
less than 5 years. Keep that in mind if you're planning on making a
claim.
BigJohnson@mailcity.com - 22 Mar 2005 16:49 GMT
Which insurance companies are they that cancel for non at fault
claims?
mike hunt
> >Are you sure? That sounds more like a collision coverage
> >deductible. A larger deductible, $500 v $250, can save you money
[quoted text clipped - 32 lines]
> less than 5 years. Keep that in mind if you're planning on making a
> claim.
Some ga - 22 Mar 2005 17:17 GMT
>Which insurance companies are they that cancel for non at fault
>claims?
>
>mike hunt
><snip>
State Farm, Allstate, ING, etc, etc, etc, Give your broker a shout and
mention to him that you've heard of people making more than 3 comp
claims a year and see if he's surprised that they get dropped..
Your state may vary but it won't be labeled as cancelling it will be
that the coverage is no longer offered.
In No Fault states if people get in too many not at fault accidents
they may even be non-renewed or have their rates jump. Having seen
individuals with excessive not at fault claims (there was a guy up in
Canada who got in close to 200 not at faults in one year (all rental
vehicles) you can understand the insurance companies concerns.
With comp claims (yes even though they are not at fault) they still
count. A claim is a claim is a claim. If you're going to claim, make
it worth everyone's time.
msterspy - 23 Mar 2005 03:03 GMT
You bring up a good point. I recently changed to Amica Insurance in
Welsley MA and I signed up for a $500 deductible. I will contact them
and get a price on lower deductible. It won't do any good for my
scratch. Although I'm ticked about the scratch, there's no way I'm
going to have the whole door painted for a 1/2" x .002" scratch. I
will touch it up the best I can and forget it. The car will be in my
possesion for about 10 years and I'm sure that it will get several
dings form random flying rocks on the road and people in shopping
malls who don't care about other peoples property. Again thanks for
the heads up on comprehensive insurance cost
M
>Are you sure? That sounds more like a collision coverage
>deductible. A larger deductible, $500 v $250, can save you money
[quoted text clipped - 43 lines]
>> >>
>> >> Anyone try this before?