Today someone cut me off on my street, I turned my car to avoid hitting them, but hit the curb. They kept going, and of course I stopped...I didn't think anything happened except that my hub cap flew off...I was only going 20k if that, yet, the rim smashed and now something called the table bar on the right side.. so, the repairs costs less than my deductable,so obviously I won't claim that, however, if there is more damage they don't see...is any of this covered by insurance..I mean in general, does another car have to be involved in an accident to claim something, say my frame is bent and the car is totaled is this type of thing covered....Thanks for any info anyone can give me :)
2007-01-18 13:38:25 · 5 answers · asked by Laea 3 in Cars & Transportation ➔ Insurance & Registration
You should get a formal repair estimate and use that to file a claim with your insurer.
Your collision coverage will pay if your repairs are more than the deductible. You should find out if you have an 'annual' deductible or if it based on each occurrence. If it is annual then this can count against that.
2007-01-18 16:42:08 · answer #1 · answered by markmywordz 5 · 0⤊ 0⤋
Sorry to say but "dances" answer is not completely accurate. Regardless of how many cars are involved (even just 1) your "collision" coverage would apply, not comprehensive. Comprehensive is for things like Fire, Theft, Vandalism or hitting an animal such as a deer. Collision covers any other impact between your vehicle and another object. I would recommend you have a body shop take a look at it. They are the best qualified to check for all possible problems related to an impact, even to your steering or suspension. Unless your car is fairly old and has a very low value(you didn't mention what kind of car it is) frame damage is completely repairable and it's not likely the car would be considered a a total. I've never heard of a "table bar" so I think you have the name wrong. I'm guessing it was probably your "stabilizer bar" or more likely a "stabilizer link" since there is one on each side of the vehicle and you did refer to it as a "right". In any case almost any body shop will check out your car and give you an estimate for no charge. If there is no further extensive damage you can have piece of mind knowing your car is safe. The body shop can guide you on whether or not it's worth filing a claim with your insurance company as well if any more damage is found.
2007-01-18 22:36:10 · answer #2 · answered by cqsteves 2 · 1⤊ 0⤋
You can still file a claim with your insurance company. The preliminary estimate may be less than your deductible, however, your policy covers for damage over your deductible. More times than not once the tear down is done there is additional damage...if it puts you over your deductible, than they will pay.
Don't wait to file a claim AFTER you find this out. The insurance company has the right to inspect your vehicle damages first and they can deny payment of the claim for your failure to allow them to.
2007-01-18 23:19:46 · answer #3 · answered by bundysmom 6 · 0⤊ 0⤋
Generally speaking, if you have comprehensive insurance, then damage to your car in this situation would be covered. You have *had* an accident - it was simply a one-car accident. Since the apparent damage is less than your deductible, you don't want to make a claim against your insurance unless there *is* more damage found. Hopefully, you won't have to. Good luck!
2007-01-18 21:47:46 · answer #4 · answered by Anonymous · 2⤊ 1⤋
Follow the advise of the answer before mine, just to add, if you can avoid letting your insurance company know about the accident then do not tell them. Not only does it increase your rate it also lower the value of your car.
2007-01-18 22:23:33 · answer #5 · answered by Irie 3 · 0⤊ 1⤋