Came home to a DENT!!!
Came home to a DENT!!!
I'm so mad I could chew nails!!!!
I came home from work and find a BIG dent in my driver's side door. Along with a card from the Frankfort Police. I haven't gotten to talk to the officer yet, but I think my neighbor was having some work done at her house and their van backed into my truck
I just finished installing RAAMmat in the door, completely sealing it up. Now my power window makes some helacious noise. But the door still shuts and everything still works.
Will insurance cover the cost of the extra sound insulation I installed? If so, is that something the repair place will put in or me? I loaded the doors up with the RAAMmat. Inner skin, covered all the holes in the door, outer door skin, the WORKS!! CRAP!!!!!
At least there was a police report filed and I won't have to pay anything. I just hope the sound insulation gets paid for, since they'll have to rip it all out.
It's enough to make my PTSD kick off. I need to go shoot something....
Daryl
I came home from work and find a BIG dent in my driver's side door. Along with a card from the Frankfort Police. I haven't gotten to talk to the officer yet, but I think my neighbor was having some work done at her house and their van backed into my truck
I just finished installing RAAMmat in the door, completely sealing it up. Now my power window makes some helacious noise. But the door still shuts and everything still works.
Will insurance cover the cost of the extra sound insulation I installed? If so, is that something the repair place will put in or me? I loaded the doors up with the RAAMmat. Inner skin, covered all the holes in the door, outer door skin, the WORKS!! CRAP!!!!!
At least there was a police report filed and I won't have to pay anything. I just hope the sound insulation gets paid for, since they'll have to rip it all out.
It's enough to make my PTSD kick off. I need to go shoot something....
Daryl
Senior Member
Joined: Nov 2005
Posts: 17,118
Likes: 7
From: Burleson, Texas
Originally Posted by ian51279
Insurance is to put things back they way they were before the accident. I'd make sure they know about the mat.
Commandment #1: Thou shalt not multipost.
I hope everything gets fixed soon.
Senior Member
Joined: Jan 2007
Posts: 508
Likes: 1
From: California
Insurance quotes and premiums are generally computed using the vehicle and options on the vehicle at the time of the quote. If you add something else afterwards and fail to tell the insurance company so that they can adjust your premiums accordingly, then you might be S.O.L. Like a previous poster mentioned, at least a note was left.
Senior Member
Joined: Feb 2004
Posts: 10,390
Likes: 10
Originally Posted by neuspeed5
Insurance quotes and premiums are generally computed using the vehicle and options on the vehicle at the time of the quote. If you add something else afterwards and fail to tell the insurance company so that they can adjust your premiums accordingly, then you might be S.O.L.
While I concur on principle, how many folks actually do that?
Some of the guys on this forum would be paying enormous premiums if they reported all their improvements....
Cheers
Bubba
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Senior Member
Joined: Nov 2004
Posts: 224
Likes: 0
From: Lubbock or Houston
Not to mention that some of the mods would make the rig almost uninsurable, like 8" of lift and 37" tires. Or a 700hp engine. Fact is with insurance and mods, its a damned if you do report and damned if you dont report
Senior Member
Joined: Sep 2004
Posts: 1,020
Likes: 0
From: US
Originally Posted by neuspeed5
Insurance quotes and premiums are generally computed using the vehicle and options on the vehicle at the time of the quote. If you add something else afterwards and fail to tell the insurance company so that they can adjust your premiums accordingly, then you might be S.O.L. Like a previous poster mentioned, at least a note was left.
My insurance will cover glass breakage but they won't pay for the aftermarket tint re-install.
Senior Member
Joined: Dec 2001
Posts: 752
Likes: 0
From: North of Dallas, South of Frisco
Yeah, unless you have it mentioned- Insurance will return your truck to "stock" condition.
If you don't have the addendum (like I had) which covered my wheels & tires too, then you will have to rely on the nicenes of your insurance agent/company- to add any aftermarket items.
When my truck was broken into, they did NOT replace my tint either, and I paid $250 of the $294 dollars it costed to have my window replaced.
A year later, I switched to Progressive- who was cheaper than Farmers. I had a glass claim with Progressive (Vandalism) and one with Farmers (Theft), and this year, Progressive went up by $15/month on my coverage. I asked why, and they stated that the claim for my glass breakage (theft/2005/Farmers) showed up on some report, and they adjusted my insurance, as a predictor of the cost of doign business with me... They didn't replace my $400 Valentine One Radar Detector,(that, according to them) fell under homeowners insurance, to which there was a 1% deductible (1% of the cost of my home). WHen it was all said and done, Farmers $44.00 (I have a $250/deductible on our cars). Proressive, same thing- $250 deductible, Windshield was $300 bucks. I paid $250, they paid $50.
Ain't that a b**ch?! I paid 85% of the cost, both times my glass was broken- and they adjust MY insurance up $15.00/month ($180/year) which more than doubles what Farmers and Progressive spent on me in claims, over the past 16 years...
Man, I tell ya. Life "ain't" fair...
If you don't have the addendum (like I had) which covered my wheels & tires too, then you will have to rely on the nicenes of your insurance agent/company- to add any aftermarket items.
When my truck was broken into, they did NOT replace my tint either, and I paid $250 of the $294 dollars it costed to have my window replaced.
A year later, I switched to Progressive- who was cheaper than Farmers. I had a glass claim with Progressive (Vandalism) and one with Farmers (Theft), and this year, Progressive went up by $15/month on my coverage. I asked why, and they stated that the claim for my glass breakage (theft/2005/Farmers) showed up on some report, and they adjusted my insurance, as a predictor of the cost of doign business with me... They didn't replace my $400 Valentine One Radar Detector,(that, according to them) fell under homeowners insurance, to which there was a 1% deductible (1% of the cost of my home). WHen it was all said and done, Farmers $44.00 (I have a $250/deductible on our cars). Proressive, same thing- $250 deductible, Windshield was $300 bucks. I paid $250, they paid $50.
Ain't that a b**ch?! I paid 85% of the cost, both times my glass was broken- and they adjust MY insurance up $15.00/month ($180/year) which more than doubles what Farmers and Progressive spent on me in claims, over the past 16 years...
Man, I tell ya. Life "ain't" fair...
Last edited by Bighersh; May 17, 2007 at 03:21 PM.
Member
Joined: Sep 2006
Posts: 84
Likes: 0
From: Tacoma, WA
Originally Posted by Bighersh
A year later, I switched to Progressive- who was cheaper than Farmers. I had a glass claim with Progressive (Vandalism) and one with Farmers (Theft), and this year, Progressive went up by $15/month on my coverage. I asked why, and they stated that the claim for my glass breakage (theft/2005/Farmers) showed up on some report, and they adjusted my insurance, as a predictor of the cost of doign business with me... They didn't replace my $400 Valentine One Radar Detector,(that, according to them) fell under homeowners insurance, to which there was a 1% deductible (1% of the cost of my home). WHen it was all said and done, Farmers $44.00 (I have a $250/deductible on our cars). Proressive, same thing- $250 deductible, Windshield was $300 bucks. I paid $250, they paid $50.
Ain't that a b**ch?! I paid 85% of the cost, both times my glass was broken- and they adjust MY insurance up $15.00/month ($180/year) which more than doubles what Farmers and Progressive spent on me in claims, over the past 16 years...
Man, I tell ya. Life "ain't" fair...
Ain't that a b**ch?! I paid 85% of the cost, both times my glass was broken- and they adjust MY insurance up $15.00/month ($180/year) which more than doubles what Farmers and Progressive spent on me in claims, over the past 16 years...
Man, I tell ya. Life "ain't" fair...