yohan81718

Any legal suggestions I can take on this? If the car was unattended and hit, how does insurance company take care of it? Any idea how much this will cost?

jmbnova

Ouch man... that sucks..

Did you call the police and file a hit and run? If not you ought to call them and get a police report. Then submit it to your insurance company. Hopefully that helps...

brucedeb1

What a bummer. We all feel your pain. I agree a police report should be made asap. In addition, contact the parking garage people. They may have surveilance photos if the garage is so equipt. In order for your insurance to cover under uninsured motorist coverage, you would need to provide an id. of the party that hit you. This is usually at minimum a license number and vehicle description. Sounds like you don't have that at this time. Thus it could be comprehensive or collision on your dime.
Good luck and hope it all works out for the best for your sake.

bwilder10h

Unfortunately when stuff like that happens on private property, it's your own insurance companies responsibility to cover it.... even if you saw it happen.

Hopefully you filed a police report because the insurance company will want one...

Pure Adrenaline

iTrader: (2)

That sucks. Call the police and file a hit & run. Then call your insurance company with the case number and file a claim under the comprehensive coverage.

Then you take it to a body shop, pay the deductible, and get it fixed.

chill_dog

As PA said, it's going to go under comprehensive since there isn't another person's insurance to charge. It shouldn't affect your rates as you didn't cause the damage (hitting a tree, for example, is also filed under comprehensive and obviously would affect your rates); however, as with any time you file under comprehensive, you have to pay your deductible.

By the way, that's an awesome shine/reflection on your car! It's a shame some jerk hit it and (as is typical these days) left without leaving their information.

mokiavelli

If there is no paint loss, you be be able to have the dent extracted. No repaints or bondo. You keep the original paint. With a body shop they will hammer out the dent , use filler and repaint. A dent extractor would slowly remove the dent, but it is based on the position of the dent. Plus, it's usually cheaper and is done same day. So, the insurance company would be happier too and won't impact your insurance as much, if any.

yohan81718

My insurance company says that comprehensive would be only if there is no other vehicle involved such as stolen, something falls on the vehicle or animal runs into the vehicle, etc.

We'll see how much the estimate comes out to.

gurneyeagle

Ouch! Sorry, yohan. Like others have said, I feel your pain.

I had something similar happen to me a few years back. The police wouldn't write a report because it was on private property. Of course, this was the New Orleans Police Department, so don't go by their example!

My insurance did pay for the damage, after my deductible.

I hope everything eventually works out for you. It's tough to see an Anthracite brother take such a bad hit!

gurney

datmrman

Sorry dude. Hope things work out for you!

JoganJani

Man that hurts. I can feel your pain man. Where in Santa clara this happened?

yohan81718

Marvell is where I work at. Off Great America pkwy

Treblig

Not so sure that it would come under your comprehensive coverage. It will most likely be a collision claim and cost you your deductible, but if coded properly as a hit and run, should not count against you as a chargeble loss. That is why it is important to have a police report filed.

Silver Bullet

it's treated like a hit & run or uninsured motorist. the only difference is you don't pay full deductible. it's a claim on you insurance company but you are not dinged for it on your rates.


Happened to my wife about 1 year ago on her Honda Pilot. They took out the driver's door and passenger door and part of the rear drivers quarter panel. don't tell me they didn't notice that happening. it was done in a parking garage at the hospital and the security cameras did not catch any of it.

report it to the garage owners/security. make a police report. then enjoy the hassles now of getting it repaired.

i hate people that do that!

yohan81718

people here, for one, don't know how to drive correctly and need to have their license taken away, and for two, don't have moral to leave a note of an apology and their contact info for what they did
sigh

xtin

But you have that one front plug I sent, RIGHT? Claim the fuck was trying to steal your plugs and he got mad so he kicked your car. hah
It looks more like a kick mark anyways

lembowski

iTrader: (1)

A hit and run is carried under the provisions of your collision coverage. Comp. comes into play just like what you insurance carrier told you vehicle involved such as stolen, something falls on the vehicle or animal runs into the vehicle, etc.

In other words get ready to pay your collision deductable. If you file a police report it will not raise your premium come renewal of your policy!

I worked for Progressive & Statefarm in college........looks like I actually got something out of my Insurance Major afterall.

SergeyM

Do not use your insurance. take the car to a dentwizar.com or any other paintless dent removal place. It should not cost more that $150 to fix. At least try. You do not want you new car to be painted.

yohan81718

The body shop I went to, my familiy knows him, will replace the quarter panel instead of repairing it since it's a new car. I miss my car already =(

Tripp11

IMO, from looking at those pictures, a vendor like Dent Wizard or a similar paintless dent removal shop won't touch that car - it's waaaaaaaaay beyond the scope of those shops. A paintless dent removal shop will be a good source for dents/dings on flat surfaces of your car but once you get into curved areas, they have difficulty and I'm speaking from personal experience.

Your mileage may vary.

tonester

iTrader: (1)

yohan81718

I definitely feel your pain. My wife's MINI CooperS was hit the exact way in the parking structure of her work by some jackass. We just notified our insurance and paid our $500 deductible for the repairs. But please do your research on what bodyshop you should take your baby to. We took it to Holmes Bodyshop here in california and it was a nightmare. The idiots there did the repair, but fucked up other areas of our MINI. Word of caution, STAY AWAY FROM HOLMES BODYSHOP.

tony

yohan81718

This body shop I took mine is reputable ones and we know the owner pretty well. He always has these work-around with insurance company so we don't pay any deductibles. But this case will be different since my deductible is not our usual 500 but 1000. Anyways, replacing sounds more promising to me since I don't have any paint jobs to worry about.

davenlei

Yohan,

I would keep quiet about the fenaggling to not pay the deductible. I think that is a form of insurance fraud since your body shop is working the $500 out of the insurance company in some way rather than charging you which your policy requires according to your contract.

Tripp11

Insurance fraud is a FELONY and punishable by up to 5 years in prison a a $50,000 fine.

Insurance fraud/scams such as you are describing are the reason why people like me pay increased insurance premiums year after year. Estimates are that insurance fraud alone contributes to an additional $200 per policy per person in the United States.