tajabaho1

Well, I got hit and run by a stupid *** gravel truck(might be drunk) the Rx-8's front left wheel was chipped severely and the tire blew because of that, the back left wheel was also chipped, the car's underside are completely wrecked from the rocks all over the road(from the gravel truck) the front bumper got extensive damage, and the car is undrivable because of the front left wheel being chipped and the braking rotor and caliper all basically broke or something(I don't know the term)

will post pics later when I get my camera

my insurance, which is farmer's told me that they were going to take care of it, but the problem is that I have a 1000$ deductable, but the guy was hit and run, so is there anyway that I can somehow get them to cover the whole thing for me?

btw, they gave me a pontiac g6 rental for now.........

Huskyfan23

I actually work for an auto insurance company (not farmers), so here's the deal:

You're out the $1000, no matter what. Even in a hit and run situation. It falls under your comprehensive coverage, and any damage that occurs to your car (falling tree branches, vandalism, hit and run, etc) the deductible is applicable. It's the same for all states / companies, so I'm sorry to say you're going to have to pay it.

Even if you knew the person and the person admitted guilt of hitting your car, if you decided to go through your insurance company you would still need to pay the deductible. What would happen then is the insurance company would then go after the person who hit your car, and if they were able to obtain money from them or their insurance company, they would reimburse you for the deductible.

Either way, you're out $1000 and there's nothing either you or your insurance company can do about it. They can't make an exception in your case, because that's called rebating (insurance terms) and is deemed illegal. Sorry man.

Huskyfan23

Oh, and I forgot to mention, LOWER YOUR DEDUCTIBLE. For comprehensive, it is INSANELY cheap to lower your "out of pocket" expenses.

Collision can stay at $1000, because it's insanely expensive to drop it. But Comprehensive is really really cheap. For example, if you were to drop it from $500 down to $100, the price difference is only about 20 bucks every 6 months.

Check it out! It will ensure you never have to pay that much out of pocket again....

swoope

iTrader: (5)

is not hit and run usually covered under uninsured motorist??? i think i recall getting hit in a parking lot, did not cost me a thing, but usaa good..

beers

Huskyfan23

No, hit and run damage to your vehicle is not covered under uninsured motorist coverage. The only time uninsured motorist coverage is used is when bodily injury to the occupants occurs due to a hit and run, or if you're out walking on the street and a car hits you and takes off. If no bodily injury occurs and it is just property damage, then it is covered under comprehensive coverage.

Detrich

sorry to hear this happened. and, isn't it nice there's an insurance guy here to answer your question? i guess that explains how the coverage works...

how's the remote start and cascading sunroof on the g6?

refugeefrompistons

taja that suks... didnt you just purchase your 2007? wow...

swoope

iTrader: (5)

really,

is that somewhat new, or varies state to state??? i had a hit an run in a parking lot.. unattended car.. but this was back in the early 90s.

beers

Huskyfan23

no, I don't think it varies by state, I think it is pretty much nationwide......

I highly doubt they covered it under uninsured motorists coverage, unless it has changed in the past 15+ years (only been in the insurance field for 2 years now). Take a look at your uninsured motorists coverage when you get a chance. It should say something like "50,000 / 100,000". What that means is bodily injury, $50,000 maximum per person / $100,000 maximum per occurence. This deals strictly with bodily injury, not property damage.

If you check out your normal liabilty rates, it should state something like "50,000 / 100,000 / 50,000" (might be higher or lower depending on your coverages). The first number ($50,000) deals with maximum bodily injury per person, the second number ($100,000) deals with maximum bodily injury per occurence, and the third number ($50,000) deals with maximum property damage (another car, a lightpost, etc).

The uninsured motorist coverage reflects on the first two number described above, but not the third unless specifically mentioned in your coverage or required by your state. If you check your coverage and only two numbers are shown, then it does not cover property damage and your car would not be covered. If a third number is shown in your uninsured motorists section, then Florida is the one exception and you have my apologies.

swoope

iTrader: (5)

intersting,

thx.. i just went back.. i am **** like that.. it was jan 90. and it was covered under um vs comp. i paid a 100 dollar duct vs 250....

that was in va...

and in 99 i got hit in a parking lot again... different car...

it was not covered by uninsured motorist...

wow..

beers

Huskyfan23

no problem whatsoever. I actually didn't have the first clue about anything insurance related before I started working for an insurance company. All the different coverages sure can be confusing.

Any other questions you have, let me know! I'm more than glad to help out.

and btw, you keep records that long?? Jeez, you're way more organized than I'll ever be

pdxhak

iTrader: (2)

I have had a few hit and runs on my cars so I understand the frustration. My deductible is $500 but only had to pay $200 each time. I had to file a report with the police and then provide a copy of the report to the insurance company. You should NOT have to pay the full deductible.

swoope

iTrader: (5)

ah,

that is sounding like something i heard a long time ago!

to funny..

beers

Huskyfan23

I don't want to be an ******* here, so all I'm going to say is good luck trying to get your insurance company to reduce your deductible. If this guy really didn't have to pay his full deductible, then he really is one of the very very few, and his insurance company is doing something that it is not common practice....

pdxhak

iTrader: (2)

I did not have to pay the full deductible when someone hit my car. It occurred in California and Oregon and both times the deductible was reduced! The only requirement is that I had to file a report with the police department and then provide it to the insurance company.

How many insurance companies have you worked for? Perhaps this is policy for the company you work for and is not an industry standard? Or it could be something has changed since my last claim (2002 I think) but then I would not know.

pdxhak

iTrader: (2)

Define long time ago

swoope

iTrader: (5)

https://www.rx8club.com/showpost.php...4&postcount=10

beers

pdxhak

iTrader: (2)

hahaha...missed that

My last claim was after your 99 incident so who knows. I will call my insurance company tomorrow just because I am curious if anything has changed.

Huskyfan23

2 companies, both very large.

While neither of the companies I have worked for allow for the reduction of the deductible regardless of reason, I definitely believe you in the reduction of your deductible. All company's have different policies, and it sounds like yours is definitely a good company to be dealing with. From my experiences, it is rare to see a company reduce a customer's co-pay, but that's not to say it doesn't happen.

I think the difficulty most people have is proving that the vehicle was hit and run, instead of damaged by your own doing. That's why a lot of companies require the full deductible, as anyone can really say their car was hit, when really they hit a pole or something.

Keep doing business with whatever insurance company you are dealing with, pdxhak (same to you, swoope). I hope tajabaho's insurance company is as forgiving (and I hope he can prove it was a hit and run).

swoope

iTrader: (5)

police report?????

duh..

beers

Huskyfan23

With my company, a police report typically isn't the bottom line.

Anyone can file a police report. Doesn't mean that it is set-in-stone proof. Typically, it's the claims adjusters job to come out and inspect the vehicle. It's proving to him / her that it was a hit and run incident.

If the company allows just the police report as proof, cool.

swoope

iTrader: (5)

sorry about the ? marks..

yes both time i filed a report... the first one was odd as the car was snow covered and did not find the damage till after dark. the headlights were a clue..

first time.. it was handled after the fact.. second time the cops were there before the car was moved.. btw, legally parked..

beers

pdxhak

iTrader: (2)

The report I filed in Oregon happened in a town that does not provide report if there are no witnesses. My insurance company still reduced the deductible. I had them call the police department so they could confirm they would not provide a report.

NoTears316

Whatever happens, you do need to lower that deductible. $1k is insane.

Rems31

Uninsured is if your car gets hit while you're driving it and the other vehicle/driver is not insured. Collision is for when you hit someone. Comprehensive is for when your vehicle is parked and damage is done to it.