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For rdd, since you work in the industry I have a question then about this. So if someone does a hit and run on me, my rates go up if my insurance has to fix it? That's pretty lame. Obviously the person hit would deserve a higher rate if they caused the accident but if you're a hit and run victim that's like adding insult to injury.
Well, I was speaking based off of how things work here in NY, about CA I am not sure. In general, hit and runs are a tough case because you can't prove the driver. What I would do, is I would wait a couple of weeks and say that someone hit your car while it was parked which would create a comprehensive claim, unless you have injuries. If you do sustain injuries, the injuries only would be covered under your "No fault" or PIP (Personal Injury Protection). Comprehesive claims do not raise rates (NY). But, although I work in the industry I do not agree with any of their practices. Insurance policies are one big law based contract. There are so many ways for the insurance companies to wiggle out of paying claims. It's horrible. But yes I agree that the other person should have their rates go up. Which is where the comparative negligence comes into play. Someone is majority at fault, and no one is found (usually) less than 5% at fault because there is always something you could have done to avoid the accident.
I knew I would start to get questions about insurance...:nomore:
. (not that I'm endorsing any kind of potential insurance fraud, just saying lol )
So my deductible is $250, after calling the insurance company, and they are sending an agent to my house Thursday. Depending on how much they are giving me, I might just get a very slick body kit for my car, I have a buddy who does body repair on most high class cars (Benz, bentley, Royce, Lamborghini, Ferrari, etc) and he said if my insurance gives me enough, he will do it for real cheap and put a nice body kit on since my side skirts are all torn up and my bumper is all effed up.
There is also no undercarriage damage what so ever, just body panels are wrecked.
So this accident actually worked out for me in the long stretch!
So excited!
What's weird is one of my neighbors (who I don't know) with a black G35 pulled in after work today with a dent right in the same spot. At first I thought it was you because it looked like the exact same dent! I went out for a walk and got a closer look but the dent appears to be smaller. That would have been pretty cool to have a detailing fanatic as a neighbor!