[AT] OT-Insurance question - Truck repair

[Carl Szabelski]

Since you were driving the truck, you were responsible for driving it in a
safe manner to avoid any incidents. That makes you at fault for any damage
that may happen. I realize that you didn’t mean to hit the tree, but you
are at fault since that is how the laws are set. The argument would be that
you should have realized that there was a potential to slide on the ice and
should have not driven on it, especially since you were on an incline. As
far as you insurance, you can put in a claim and just pay your deductible,
or look around at local junk yards, or Craigslist, for a used tailgate and
replace it yourself. Another option is to live with the damage.  I
currently have a dent on the side of my bed from a trailer that jackknifed
in me in a tight area. My local shop gave me an estimate of $2K. They don’t
bump out dents on beds anymore, they remove and replace the entire bed
side. That’s a lot of cutting, welding, and painting. I could put in a
claim and pay my deductible, or probably find one of those Southern beds
for less and just do the swap myself, but for now I’m just going to live
with it as is. I’m sure there’s more dents coming in the future. That’s the
life of a pickup, no matter how careful you try to be.

Carl

On Saturday, February 12, 2022, Mike M <meulenms at gmx.com> wrote:

>
> Question for you all. A friend of mine is on vacation, and I am keeping
> an eye on his house for him, plowing him out when needed; I basically
> drive up and down his driveway to make it look like someone is living
> there. The last time I was there I pulled up to the garage door and then
> started to back out, it's fairly steep. The first pass was snow, so no
> problem, when I went back up, I broke through the snow, and was on glare
> ice. I slid down his driveway backwards, and bashed my tailgate into a
> pine tree. There was nothing I could do to stop the slide.  Talked to a
> local body shop, and they said it would probably be in the area of 2K to
> fix. I called my agent, and she said it was an "at fault" accident. Any
> thoughts would be appreciated.
>
> Thanks,
> Mike M
>
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