[AT] OT-Insurance question - Truck repair

[Brad Loomis]

Keep in mind that if you pay the deductible and have your ins. pay for the
repair, they quite possibly will jack your rates up to where you may be
better off paying the entire cost out of pocket. One of the sad realities
of insurance. I tapped a toyota minivan and my licence plate frame left a
bit of a scratch on his bumper, he filed a claim before I could even offer
to pay him cash. Since it was $1200, absurd, over $1k in damages, an
insurance cut off line apparently, my rates almost doubled. Pissed doesn't
even begin to cover my feelings towards insurance companies.
Brad

On Sat, Feb 12, 2022 at 9:30 AM Mike M <meulenms at gmx.com> wrote:

> Thanks guys, looks like I'll have to just suck it up and either have it
> fixed and pay my deductible or live with it.
>
> Regards,
> Mike M
>
> On 2/12/2022 11:20 AM, Jim Becker wrote:
>
> The short version of the story is quite simple, you drove into a tree.
>
>
>
> The “put in a claim” would be under collision insurance.  That coverage is
> optional (although usually required by finance companies).  If you don’t
> have collision coverage, you are on your own for the damage.
>
>
>
> Jim Becker
>
>
>
> *From: *Carl Szabelski <c.s.szabelski at gmail.com>
> *Sent: *Saturday, February 12, 2022 9:00 AM
> *To: *Antique Tractor Email Discussion Group
> <at at lists.antique-tractor.com>
> *Subject: *Re: [AT] OT-Insurance question - Truck repair
>
>
>
> 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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