[AT] OT-Insurance question - Truck repair

[Mike M]

Took the shattered tail light assembly off today and ordered a new one
from Rock Auto. Not a bad fix, and much cheaper than a $500 deductible
and running my insurance rates up! I'll live with the cosmetic damage
until I can I can find a used part.

Regards,
  Mike M


On 2/12/2022 10:00 AM, Carl Szabelski wrote:
> 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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