All,
I really need help. My car was hit twice this month while parking in the parking lot. The first accident occured while I was inside the bank. I happened to saw the vehicle leaving while stepping out. I am not sure how minor or major the damage is. The parking lot is a weird shape and angle. The truck's tow hitch went into the car and slid down the burst out my rear bumper's lower spoiler. This bumper already has minor paint and parking damages. I called the offender's insurance company and they indicated that it is not possible for the tow hitch to slide down and the damage was already there; indicating that they would not paid anything. I argue that the damage was caused the the hitch and previous damages were not severe to consider the bumper total. The previous damages are minor and cosmetic. The insurance company countered with 44 dollars for one hour shop time to fix the bumper. This case has not been resolved as I just spoke with them this morning.
Last night, my vehicle was hit while in the parking lot at work. I was in the office and only found out when I left work. I thought the snow plow had hit it while scrapping snow in the parking lot. The bumper is split badly for much of the left side and snapped off the body. This is not cosmetic but major damage as I had to tape it up very good before driving, fearing that the wind may rip the entire left side of the rear bumper off and hit incoming traffic.
The driver left a note on the windshield and admit fault. I show him the damages this morning. The bad part is he has the same insurance company as the first accident driver. My worry is that this insurance company will pull the same trick again and get out of paying. In addition, I just inspected the car again and noticed that the left side area has a dent right above where the bumper separated from the body. I don’t know if this is from this accident or existing. I had never seen it there.
My co-worker expressed that he had the same issue with this insurance company, who haggled the claim pay out when their client hit his vehicle. He suggests I contact my insurance company and have it sorted out with that insurance company. My concern is that this will raise my rate since it would show that I am at a higher risk with 2 accidents in one month. I was not in the vehicle at the time of either accident. I parked far away from everyone during both events and I always park far away from people to avoid door dings and parking lot damages. My vehicle is 13 years old but it have been well taken care of. I want to keep it for 2 more years before having a lot of maintenance work such as timing belt, water pump, brake pads and rotor, and other routine maintenance items change in order to get another $100k out of it. This latest accident, if the insurance company refuse to pay, will effectively next to the total the car as the cost of the new bumper will be more than half the price of the vehicle due to the year and mileage as well as exterior blemishes.
Please help. Should I call the offender’s insurance company
now and make them send an adjuster out and document the damage. They didn’t send the adjuster out, just asked for pictures from me.
I really need help. My car was hit twice this month while parking in the parking lot. The first accident occured while I was inside the bank. I happened to saw the vehicle leaving while stepping out. I am not sure how minor or major the damage is. The parking lot is a weird shape and angle. The truck's tow hitch went into the car and slid down the burst out my rear bumper's lower spoiler. This bumper already has minor paint and parking damages. I called the offender's insurance company and they indicated that it is not possible for the tow hitch to slide down and the damage was already there; indicating that they would not paid anything. I argue that the damage was caused the the hitch and previous damages were not severe to consider the bumper total. The previous damages are minor and cosmetic. The insurance company countered with 44 dollars for one hour shop time to fix the bumper. This case has not been resolved as I just spoke with them this morning.
Last night, my vehicle was hit while in the parking lot at work. I was in the office and only found out when I left work. I thought the snow plow had hit it while scrapping snow in the parking lot. The bumper is split badly for much of the left side and snapped off the body. This is not cosmetic but major damage as I had to tape it up very good before driving, fearing that the wind may rip the entire left side of the rear bumper off and hit incoming traffic.
The driver left a note on the windshield and admit fault. I show him the damages this morning. The bad part is he has the same insurance company as the first accident driver. My worry is that this insurance company will pull the same trick again and get out of paying. In addition, I just inspected the car again and noticed that the left side area has a dent right above where the bumper separated from the body. I don’t know if this is from this accident or existing. I had never seen it there.
My co-worker expressed that he had the same issue with this insurance company, who haggled the claim pay out when their client hit his vehicle. He suggests I contact my insurance company and have it sorted out with that insurance company. My concern is that this will raise my rate since it would show that I am at a higher risk with 2 accidents in one month. I was not in the vehicle at the time of either accident. I parked far away from everyone during both events and I always park far away from people to avoid door dings and parking lot damages. My vehicle is 13 years old but it have been well taken care of. I want to keep it for 2 more years before having a lot of maintenance work such as timing belt, water pump, brake pads and rotor, and other routine maintenance items change in order to get another $100k out of it. This latest accident, if the insurance company refuse to pay, will effectively next to the total the car as the cost of the new bumper will be more than half the price of the vehicle due to the year and mileage as well as exterior blemishes.
Please help. Should I call the offender’s insurance company
now and make them send an adjuster out and document the damage. They didn’t send the adjuster out, just asked for pictures from me.
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