We had AAA road service bring the car to a repair place today on a Sunday. Do we also have to call them for a claim today or can we deal with this once we know how much the repair cost will be?
2007-02-25 08:58:57 · 13 answers · asked by alotok 2 in Cars & Transportation ➔ Insurance & Registration
This would be considered a collision claim (as she collided with the curb) and would need that coverage. If she has it, it's covered.
However, it would be covered subject to her collision deductible and it would be considered an 'at-fault' loss, so you might want to get an estimate first and make sure it's worth your while to turn this in. Yes, the road was icy but the way negligence is determined she was responsible for being in control of her vehicle no matter what the road conditions - even if the only other option was to stay home. Fair, maybe not, but that's how it's handled.
Made sure the car is checked thoroughly, there's many suspension parts that can be damaged when a tire is the impact point - some of which they many only find damaged when they try to align it.
Hope everyone's ok and good luck.
2007-02-25 09:08:32 · answer #1 · answered by ohso_quiet 4 · 2⤊ 0⤋
I know you dont mean the rubber tire part broke, right. ? You mean the rim?
If it is just the rim and the tire that got messed up you can go to the junk yard and pick up another rim and buy a new tire but if it were the front tire it will have to be aligned and hopefully nothing more got messed up like all the suspension and if it is the back tire hope it didnt mess up the rear axle. About if your insurance is going to cover this it would all depend on the type of insurance you have. It should say on the policy. Most insurance companies have a 24 hour number that you can call which I would do before you have anyone work on the car since they just might want the car to go to a special shop for them to cover the damage or maybe not. but it is better to be safe than sorry. Once the car is fixed next year i think tire chains would be a good christmas present if she lives in a place that usually ices up. once again better safe than sorry . I would rather hassle with putting chains on than end up in the hospital. I take it that she is fine right? I hope so. Hopefully there is no major damage and its just the rim and tire.
2007-02-25 17:16:01 · answer #2 · answered by hersheynrey 7 · 1⤊ 0⤋
I had a similar situation that happened to me on the way to work within my moms car when I was 21 and I am 25 now but back to the subject lol. Well being that I was not insured under her name yes the insurance paid for the damages because it still covers drivers within your car. But also you have to take in consideration of what kind of policy that you carry and what are the limits of liability. With my situation the car repairs were minor and they fixed but the insurance went up in the end result. It all depends on your personal situation. Maybe check and see what your limits are and go from there. Enter your claim in and see what the results would be. I say call them immediately before doing anything because they more than likely may want to investigate and inspect the damages themselves as well. But good luck and I hope that I was of some help!!!
2007-02-25 17:09:15 · answer #3 · answered by kimthornton1231 3 · 1⤊ 0⤋
Try and call your insurance company, though you might not be able to get anything done until tomorrow.
If she has collision insurance, it will be covered, but if you have a deductible and the repairs will cost less than that, you will foot the bill. If the repairs are more than the deductible, you will pay the deductible amount and the insurance will foot the rest of the bill (example: repairs are $400, your deductible is $250. You pay $250, insurance pays the rest).
2007-02-25 17:29:38 · answer #4 · answered by brotherb95 3 · 1⤊ 0⤋
Depends on your deductible. If the repair is $400 and the deductible is $500 then you have no need to file.
I had the same problem, and smashed my front right wheel. In this case I had put in the claim. I had to get a new tire rim, and some other parts that bent or broke. So for me it was worth it.
But you can always call your agent and ask questions as all companies have their own rules.
2007-02-25 17:15:26 · answer #5 · answered by Big C 6 · 1⤊ 0⤋
What state do you live in and is AAA your insurance carrier?
If you live in NORTHERN CALIFORNIA, it may be covered if the cost of the tire & the things associated with it exceed your collision deductible.
If you live in Utah, Oregon, Nevada....the tire will be depreciated and betterment taken, but as long as the damage exceeds your collision deductible, there will be coverage.
If you live in So.Cal....can't speak for Auto Club's policy.
You should file the claim & let the adjuster go over your policy with you. That's your best bet.
2007-02-25 20:15:06 · answer #6 · answered by bundysmom 6 · 2⤊ 0⤋
If you have collision coverage on the vehicle it will be covered as the vehicle collided with the curb. You would be responsible for paying your deductible though. It will be considered at-fault and potentially would result in a surcharge on the policy.
2007-02-25 18:07:42 · answer #7 · answered by Chris 5 · 2⤊ 0⤋
It might cost more to file a claim.
If you file a claim, it may cause you to lose a discount which in the long run will cost more than the tire.
2007-02-25 17:03:52 · answer #8 · answered by Indiana Jones 6 · 2⤊ 0⤋
Is the tire worth more than your deductible? If there is other damage too, it could be a collision claim.
2007-02-25 17:05:31 · answer #9 · answered by Aldo the Apache 6 · 2⤊ 0⤋
Do NOT use insurance. If you make a claim, your raite will immediately go up nd you will be an insurance risk.
Insurance is to be used as an absolute last resort.
2007-02-25 17:06:16 · answer #10 · answered by Anonymous · 1⤊ 1⤋