<div dir="ltr">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. <div>Brad</div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Sat, Feb 12, 2022 at 9:30 AM Mike M <<a href="mailto:meulenms@gmx.com">meulenms@gmx.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex">
<div>
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. <br>
<br>
Regards,<br>
Mike M<br>
<br>
<div>On 2/12/2022 11:20 AM, Jim Becker
wrote:<br>
</div>
<blockquote type="cite">
<div>
<p class="MsoNormal">The short version of the story is quite
simple, you drove into a tree.</p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">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.</p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Jim Becker<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<div style="border-right:none;border-bottom:none;border-left:none;border-top:1pt solid rgb(225,225,225);padding:3pt 0in 0in">
<p class="MsoNormal" style="border:none;padding:0in"><b>From:
</b><a href="mailto:c.s.szabelski@gmail.com" target="_blank">Carl Szabelski</a><br>
<b>Sent: </b>Saturday, February 12, 2022 9:00 AM<br>
<b>To: </b><a href="mailto:at@lists.antique-tractor.com" target="_blank">Antique Tractor Email Discussion
Group</a><br>
<b>Subject: </b>Re: [AT] OT-Insurance question - Truck
repair</p>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">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.<u></u><u></u></p>
<div>
<p class="MsoNormal"><u></u> <u></u></p>
</div>
<div>
<p class="MsoNormal">Carl<br>
<br>
On Saturday, February 12, 2022, Mike M <<a href="mailto:meulenms@gmx.com" target="_blank">meulenms@gmx.com</a>>
wrote:</p>
</div>
<p class="MsoNormal" style="margin-left:4.8pt"><br>
Question for you all. A friend of mine is on vacation, and I
am keeping<br>
an eye on his house for him, plowing him out when needed; I
basically<br>
drive up and down his driveway to make it look like someone is
living<br>
there. The last time I was there I pulled up to the garage
door and then<br>
started to back out, it's fairly steep. The first pass was
snow, so no<br>
problem, when I went back up, I broke through the snow, and
was on glare<br>
ice. I slid down his driveway backwards, and bashed my
tailgate into a<br>
pine tree. There was nothing I could do to stop the slide.
Talked to a<br>
local body shop, and they said it would probably be in the
area of 2K to<br>
fix. I called my agent, and she said it was an "at fault"
accident. Any<br>
thoughts would be appreciated.<br>
<br>
Thanks,<br>
Mike M<br>
<br>
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