I though collision was only when you were at fault...

 

you can use collision coverage whether you are at fault or not. The deductible will apply if you are found at fault, it won't be applied if you are not at fault. In a hit and run, the deductible will apply, if you knew the person who did it, they would just subrogate against their insurance policy obviously. Same with a comprehensive claim. If you know who vandalized your car, your insurance company will waive the deductable and get the money back from that person.

 

what this guy said.... except she doesnt have collision anymore h:

 

Was basically replying to Grand Moff Tark_0 's post, I read the whole thread, just trying to enlighten...:happysad:

 

Man that sucks. Best of luck...

 

just let me know.

 

Dude that depends on you policy i guess... Cause the policy i have is in any case of a hit and run i dont have any deductible. And I do not have collision on my car either, that mean that if i have an accident that was my fault my insurance will pay for repairs for the other party but not on my own car. If however I am NOT at fault they(the other party insurance) will pay for both cars.

 

youre probably explaining what your particular insurance plan covers for you, but i dont think you understand the terms.

collision coverage is specifically the coverage for the insured's car (your car).
property damage is specifically the coverage for the other partys car (the other guy).
collision coverage is not "mandatory" to have by law, because again, its the coverage for your own if it happens to be your fault. thats why ur insurance co. will pay for the other guys car if its ur fault because that part of the policy is required by law...not because u do or dont have collision.

if i were you, id double check the fine print regarding your "hit n run" coverage on ur policy.

 

Like they said above u can probably have it fixed but you'd have to pay the decutable if its worth it to you. Yeterday i just got my check for the sideswipe some bitch did to me last november. They wrote me a check fro 1876 for the damages. Its cool but the only thing that sucks is that if i wanted to get it fixed back home it would cost more becasue the hourly rate here in SB is 40 bucks an hour average, and in northern Cali its arounds 60-80. So thats a big difference in labor. Good luck though, maybe just leave it like that and not stress over the car untill u can afford something better or afford to get it fixed. I know i'm at the point where my honda is just a car untill i'm out of school casue there are too many idiots driving around here.

 

Thank for the explanation... but thats what i said(althought i do suck at explaining thing sometimes).
As for hit and run
https://www.honda-acura.net/forums/s...d.php?t=172433
No collision insurance still wont have to pay anything...I just wonder if maybe Jess has the same clause but i guess she already checked.