ughhh
Senior Member
Joined: Sep 2002
Posts: 676
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From: Webster, MA
Originally Posted by 95SiR
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.
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.
You're right, I have never heard of hit and run coverage, actually, what he is describing sounds like limited collision, with limited you have to be less than or equal to 50% at fault in the accident and they will pay to get your car fixed, I thought it was only a Massachusetts thing, maybe Canada has something like this too.
hood rich
Joined: Mar 2012
Posts: 35,752
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From: los josengeles
Originally Posted by owen996
so do you work in insurance too?
You're right, I have never heard of hit and run coverage, actually, what he is describing sounds like limited collision, with limited you have to be less than or equal to 50% at fault in the accident and they will pay to get your car fixed, I thought it was only a Massachusetts thing, maybe Canada has something like this too.
You're right, I have never heard of hit and run coverage, actually, what he is describing sounds like limited collision, with limited you have to be less than or equal to 50% at fault in the accident and they will pay to get your car fixed, I thought it was only a Massachusetts thing, maybe Canada has something like this too.
Senior Member
Joined: Sep 2002
Posts: 676
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From: Webster, MA
Originally Posted by lil_1_2002
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.
Senior Member
Joined: Dec 2002
Posts: 13,574
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From: cali, bay area
Originally Posted by owen996
It depends on the company, I know with mine if you are away from home for an extended period of time, as a good show of customer service, they will usually pay the higher labor rate to keep you happy. My company has preferred shops in Massachusetts that will only charge $35, we tell them they can get it done where ever, but they will have to pay the difference. I have seen customers that are visiting out of state for an extended period of time or go to school out of state, and if that state has higher labor rates, we will 99 times out of 100 pay the extra for them
I dont wanna high jack her thread hehe so i started mines, go see and i'll reply to ur comment about who i have...
Thread Starter
ch1x0r
Joined: Sep 2002
Posts: 18,629
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From: PA
I don't think you guys understand. I have no collision, which means if i ram my car into a tree, i get nothing. If someone hits me, then their insurance pays me, but only if they fess up to it. If not, I'm screwed. I don't even have a deductible. I have to pay for it all.
its pretty similar to tarko's damage. i'm assuming that when they pulled into a spot, they hit ice then whacked my car, since the lots are still icky.
its pretty similar to tarko's damage. i'm assuming that when they pulled into a spot, they hit ice then whacked my car, since the lots are still icky.
Senior Member
Joined: Jun 2004
Posts: 30,331
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From: Montréal, Canada
Originally Posted by HAN Frodo
I don't think you guys understand. I have no collision, which means if i ram my car into a tree, i get nothing. If someone hits me, then their insurance pays me, but only if they fess up to it. If not, I'm screwed. I don't even have a deductible. I have to pay for it all.
its pretty similar to tarko's damage. i'm assuming that when they pulled into a spot, they hit ice then whacked my car, since the lots are still icky.
its pretty similar to tarko's damage. i'm assuming that when they pulled into a spot, they hit ice then whacked my car, since the lots are still icky.
Thread Starter
ch1x0r
Joined: Sep 2002
Posts: 18,629
Likes: 0
From: PA
Originally Posted by Grand Moff Tark_0
Yeah it really sucks... go outside and see you car is messed up for NO reason! I was lucky that my insurance are paying for my damages, did you try looking around at surrounding car see if you could find the culprit?