Originally Posted by 5gdxguy
Well, an icicle built up on my roof (3 story house)..., it dropped off and landed directly on the hood of my 94 DX, square on top of where the valve cover sits underneath.
YoU'lL ShOoT YoUr Eye oUt, KiD!!!!!!!!!!!!! :rofl:
That's not so bad once you replace the hood. Sometimes you're better not reporting it to an insurance agency if it's within your power to fix it. Every time you report a claim, no matter the cause, you change your status with EVERY insurance company. Not saying that you should be afraid to when you really need their help, but every time your name shows up in any report, they consider you a greater risk to themselves, and bill you accordingly. It's legal for them to do that based on a statistic of "accident prone" people, but exactly how hard you have to squeeze your ankles as a result of filing a claim is up to your State's laws. Fooking Ice-holes. I hate them.
A 86 year old man jumped a curb, hit a fire hydrant, then hit my car, hit 4 other cars, dragging parts of all of them 200 yards into a lake. I was in my bed asleep. My insurance rates increased by $556 a year with a homeowner's discount, and multiple car discount. I was nowhere near, much less driving the car that qualified me as having an accident. It counted as a not-at-fault accident, just like the other one I had when someone ran a red light and tore my front bumper off. Wrong place wrong time shit. I fall into the "accident prone" category now because of other people's carelessness.
Edit: I understand that it's your dad's policy, and it wouldn't affect your personal rating with an insurance company, persay. But someday you'll have to worry about these things when the policies are in your name. It could affect your dad's policy rates if you had a policy that covered that, and he'd eventually pay the cost of what they pay out. Probably 3x over. It sux, but that's how the insurance game works.
The damaged parts look easy enough to replace. 4 bolts for the hood, 2 bolts on the master cylinder & you're good to go. Isn't a B18A1 already a OBD 1 motor?
Note: No claims were ever filed to any insurance company on the first accident. The lady that hit me actually paid out-of-pocket for me to get my car fixed at the shop of my choice. The insurance company found out about it because of the police report, and whether a claim was filed or not, it counts just the same.