[hellinnj]

Last week, driving home from work through a construction zone had something kick up from the car in front of me. It was spinning, and I had no room to move. Thought I got around but got my passenger side. Nice dent and scratch down to the metal.

At least insurance (Farmer's) has been easy to deal with. I carry a $zero comp so it'll cover everything. Just frustrating.

 

[Bobo]

Sucks and I guess shit happens but at least you're using your car as intended. I've got a few of my own "shit happens" stories but they involve my Ram, HAHA

 

[SC-Redeye]

I feel for ya. Some things are "nobody's fault"....I had one of those stupid reflector inserts that are kind of "baked in" to the asphalt pop up and seriously dinged one of my previous cars...damn thing was heavy.

 

[Reaperhwk]

Damn. Any pictures of the damage?

 

[Detroitmuscle]

Thank goodness it wasn't your windshield, causing serious damage or an accident. I was upset the 1st few times I had incidents of road damage on my Redeye.
Now I don't worry so much. I'm just glad I have such a car.

 

[Turd McGavin]

Last week, driving home from work through a construction zone had something kick up from the car in front of me. It was spinning, and I had no room to move. Thought I got around but got my passenger side. Nice dent and scratch down to the metal.

At least insurance (Farmer's) has been easy to deal with. I carry a $zero comp so it'll cover everything. Just frustrating.

How much was the repair bill? The only reason I ask is I had a similar incident happen. When I called it in the insurance explained what happened and how it was unavoidable, they said no problem, $0.00 deductible. My bill was total was $1500 and some change for a scratched fender and a new spring and strut(I ran over a 4x4 post that fell off a truck on the hwy in brand new car with 300miles on it at the time). My next insurance bill came around and I had a massive rate increase. When I called to question it I was told because I made a claim over $1000 it now shows I have a claim history. I explained I was told it wouldn't count against me, they said only for the deductible, however my claim history would take a hit. Needless to say they said it would drop after 3yrs. I spent WAY more in rate hikes over the 3yrs than it would have just to pay the $1500 out of pocket. And this was coming from some with ZERO claims EVER on my insurance, home or auto. I talked to my agent and he explained each insurance company has a set price for when they ding you, most hover right around the $1000 mark. Anything under wont trigger the rate increase, anything above gets you dinged

 

[Motorcat]

I agree with Turd to consider all angles. I have paid several possible claims on my business commercial policy to avoid premium increases. My agent once explained that 3 or 4 small claims
is worse than one off the wall big one. Small claims show a trend. Don't know that for a fact, but trusted his advice and it has worked for years. Recently coughed up about $2500 for a lighting strike and no claim filed. My annual premiums have stayed somewhat flat for several years.

 

[Bobo]

How much was the repair bill? The only reason I ask is I had a similar incident happen. When I called it in the insurance explained what happened and how it was unavoidable, they said no problem, $0.00 deductible. My bill was total was $1500 and some change for a scratched fender and a new spring and strut(I ran over a 4x4 post that fell off a truck on the hwy in brand new car with 300miles on it at the time). My next insurance bill came around and I had a massive rate increase. When I called to question it I was told because I made a claim over $1000 it now shows I have a claim history. I explained I was told it wouldn't count against me, they said only for the deductible, however my claim history would take a hit. Needless to say they said it would drop after 3yrs. I spent WAY more in rate hikes over the 3yrs than it would have just to pay the $1500 out of pocket. And this was coming from some with ZERO claims EVER on my insurance, home or auto. I talked to my agent and he explained each insurance company has a set price for when they ding you, most hover right around the $1000 mark. Anything under wont trigger the rate increase, anything above gets you dinged

This!!!
Two months ago during Canadian goose mating season I was leaving work on a dreary day and there was a couple geese that took off from the parking lot and flew across the grass median and right into my truck (going about 8-10mph)
Two fighting geese slamming into my truck in full flight busted my headlight, bent the fender lip in just above the light and put a goose head size dent in my hood!!
Called my insurance and asked they said same thing, no problem covering it and I asked about rate increases, they could not say yes or no but I wasn’t chancing the rate increase so I just fixed it myself!

 

[hellinnj]

I've had deer run into me while sitting (they are absolutely insane in NJ), thousands, comprehensive claims never moved anything. Collision claims will move it. Will take note this time, and see if anything moves. Don't have an estimate yet. My guess, very low....Body shop guess, very high...

 

[Linda's Hell Cat]

Last week, driving home from work through a construction zone had something kick up from the car in front of me. It was spinning, and I had no room to move. Thought I got around but got my passenger side. Nice dent and scratch down to the metal.

At least insurance (Farmer's) has been easy to deal with. I carry a $zero comp so it'll cover everything. Just frustrating.

I think you will be OK . The Body shop may have given you and your insurance company details to how they will fix your Car.Just make sure you take the time to look over the work!
Luckily you didn't blow anything up and you will soon be out Enjoying All The Fasssst Fun again!

Linda

 

[Saifrushdi]

It def suck… I hit a piece of tire from a semi in my 2020 REWB and it did rip off the front splitter, splitter housing, plastic under engine cover, and some miscellaneous plastic items the cost was almost $4k. The car was not even 350 miles on the clock… hanging in there buddy. You will get her better than ever!!

 

[Cometstorm]

How much was the repair bill? The only reason I ask is I had a similar incident happen. When I called it in the insurance explained what happened and how it was unavoidable, they said no problem, $0.00 deductible. My bill was total was $1500 and some change for a scratched fender and a new spring and strut(I ran over a 4x4 post that fell off a truck on the hwy in brand new car with 300miles on it at the time). My next insurance bill came around and I had a massive rate increase. When I called to question it I was told because I made a claim over $1000 it now shows I have a claim history. I explained I was told it wouldn't count against me, they said only for the deductible, however my claim history would take a hit. Needless to say they said it would drop after 3yrs. I spent WAY more in rate hikes over the 3yrs than it would have just to pay the $1500 out of pocket. And this was coming from some with ZERO claims EVER on my insurance, home or auto. I talked to my agent and he explained each insurance company has a set price for when they ding you, most hover right around the $1000 mark. Anything under wont trigger the rate increase, anything above gets you dinged

Boy, do I know THAT story!

Couple years ago, my GPS directed me to a washed out road (impossible to see because of weather and heavy vegetation overgrowth).

$8000 in lower body damage, 2010 Buick LaCrosse CSX in like new condition.

My insurance too had a no increase clause (I have 50 plus year perfect record).

What a load of BS that was.

Paying more out the wazzo now… 🙈

 

[2ndAmend]

How much was the repair bill? The only reason I ask is I had a similar incident happen. When I called it in the insurance explained what happened and how it was unavoidable, they said no problem, $0.00 deductible. My bill was total was $1500 and some change for a scratched fender and a new spring and strut(I ran over a 4x4 post that fell off a truck on the hwy in brand new car with 300miles on it at the time). My next insurance bill came around and I had a massive rate increase. When I called to question it I was told because I made a claim over $1000 it now shows I have a claim history. I explained I was told it wouldn't count against me, they said only for the deductible, however my claim history would take a hit. Needless to say they said it would drop after 3yrs. I spent WAY more in rate hikes over the 3yrs than it would have just to pay the $1500 out of pocket. And this was coming from some with ZERO claims EVER on my insurance, home or auto. I talked to my agent and he explained each insurance company has a set price for when they ding you, most hover right around the $1000 mark. Anything under wont trigger the rate increase, anything above gets you dinged

This is why I have $1k deductible. Any benefit you get for small claims they quickly get back. Any excuse to raise your rate is just business.

This includes paying cash to someone you bump. In a blinding downpour I backed a rental into a taxi in Chi a while back. Paid the driver $200 cash and made him sign a hand written waiver witnessed by the desk clerk at the hotel. (Yes Turd, you don’t need to lecture me on this, thanks…) Turned the rental in, made a claim on the credit card to cover the rental, no insurance, done!

 

[Turd McGavin]

This is why I have $1k deductible. Any benefit you get for small claims they quickly get back. Any excuse to raise your rate is just business.

This includes paying cash to someone you bump. In a blinding downpour I backed a rental into a taxi in Chi a while back. Paid the driver $200 cash and made him sign a hand written waiver witnessed by the desk clerk at the hotel. (Yes Turd, you don’t need to lecture me on this, thanks…) Turned the rental in, made a claim on the credit card to cover the rental, no insurance, done!

Don't even get me started on credit card rental insurance....Years ago I rented a Volvo in Belgium through Hertz. Needless you say driving down the road the windshield broke. Upon return they demanded $600 for the windshield, no problem American Express will cover it (Reserve Card Member). Truth be told, they did cover it minus a few problems as European Rental Companies don't have to provide paperwork American Credit Card Companies require. However after a few months I was able to get what I need to get the claim covered.

Fast forward to two years ago. I'm in Denver and rent a Ford Transit Van. Someone backed into it in Breckenridge. I don't know about it or find the damage until I return it. Payed for with my American Express. I go to make the claim as I had don't before with the windshield. Now they require YOUR auto insurance, and the credit card insurance is now secondary. The bill was $950...I just paid out of pocket.

My point is credit card coverage is not what it used to be. That reserve card I carry is not your average credit card, It is a travel card, but still has a lot of perks you do not received with standard cards. They will still tell you they cover everything, however read the fine print and you'll find most have gone to secondary or supplemental coverage.

From now on I just pay for the rental companies insurance...its not expensive anyway, and WAY less hassle