Poll of the Day > Woke up to my car being dinged, no note to even apologize

(+) Yeah! (+)

Now Im gonna to have to call Insurance, or pay out of pocket to fix

Either way, another expense I have to cover. I know people suck and theres more to life than a car but come on, theres no way someone didnt notice this screw up while driving
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Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!
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Lokarin posted...

Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!

Heres the kicker, my rate will go up even though I didnt do anything lol. Already paying $420 with a clean record (car is financed so needed full comprehensive coverage)

Gotta love the bean. Seriously cant wait to move out of here, people drive like idiots; youd think this was an exclusive trait for people in the East Coast
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Unless theres something wrong with it mechanically that you cannot afford to fix, Id either pay out of pocket, or not fix it at all. Sucks to drive around in a beat up car, but not as much as it sucks when your insurance rates go up.
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Far-Queue posted...

Unless theres something wrong with it mechanically that you cannot afford to fix, Id either pay out of pocket, or not fix it at all. Sucks to drive around in a beat up car, but not as much as it sucks when your insurance rates go up.

Yea bite the bullet and just fix it once I get Car checked out

What a great way to start the weekend

Seriously dont know why so many people just drive away just leave a damn note and say sorry wtf
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Why should your rate go up? I can understand evil corporations wanting to lynch their repeat consumers... but by default the value of your car went down, so the amount insurable should have went down a well
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mastermix3000 posted...

Lokarin posted...

Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!

Heres the kicker, my rate will go up even though I didnt do anything lol. Already paying $420 with a clean record (car is financed so needed full comprehensive coverage)

Gotta love the bean. Seriously cant wait to move out of here, people drive like idiots; youd think this was an exclusive trait for people in the East Coast

How old are you??? I pay $290 a month for 3 cars, two of which are sports cars. I'm still making payments on them so it has to be full coverage. With USAA.

Also, I would lose my FUCKING MIND if someone dented one of my babies. The third car I don't really give a shit about...
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Lokarin posted...

Why should your rate go up? I can understand evil corporations wanting to lynch their repeat consumers... but by default the value of your car went down, so the amount insurable should have went down a well

If it doesnt go up Id be surprised Ill find out monday

Also Im 24
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There's a good chance you can fix that yourself with a plunger. Seriously, it sounds funny but as long as you have a flat enough surface to get a good seal, it actually works for body dents.
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Last month my car got dinged as well on the left bumper. A commercial vehicle was parallel parking behind me while I was still inside my house. I went outside shortly after to leave to go back to work, and fortunately the guy saw me since he was working on the house next to mine. He apologized and felt really bad. He gave me the info for his supervisor so I can contact them and get the company to cover the cost for the repair of the dent and new paint job. Lucky thing too because it cost $1,300 to repair, and even if I went to my insurance company to fix it if they guy was an idiot and didn't say anything, then I'd have to probably pay $1,000 deductible while the insurance would only cover $300.

I wasn't as hard on the guy since he did apologize and didn't hit and run. I thanked the guy for at least admitting his fault and everything went easily. I'm sure his boss gave him a one-on-one talking to in their office and he probably had a warning, but I'm sure that's the worse of it for him.

I got my car fixed in 4 days and they paid for my rental vehicle.

This kinda thing makes me want to look for and invest in a dash camera. Preferable a 360 degrees one if there is any. In case you do get someone who will hit and run.
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MannerSaurus posted...

mastermix3000 posted...

Lokarin posted...

Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!

Heres the kicker, my rate will go up even though I didnt do anything lol. Already paying $420 with a clean record (car is financed so needed full comprehensive coverage)

Gotta love the bean. Seriously cant wait to move out of here, people drive like idiots; youd think this was an exclusive trait for people in the East Coast

How old are you??? I pay $290 a month for 3 cars, two of which are sports cars. I'm still making payments on them so it has to be full coverage. With USAA.

Also, I would lose my FUCKING MIND if someone dented one of my babies. The third car I don't really give a shit about...

Had a rear view mirror swiped off when parked on the street once. Sucked because the repair cost just under my deductible.
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I just bought a brand new 2017 car last december and two weeks after I drove it off the lot some fuck scraped/dented the passenger side in a parking lot.

I was fucking livid. No notes, no cameras, no way of finding out who it was. Fucking dipshit. Ended up being about a 3000 dollar repair. 500 of which I had to pay.

Then a month after that a dude rear ended me in an off ramp. That was about a 1200 dollar repair, but fortunately the guy was cool about it. Gave me his info. I opted to let him pay out of pocket so it wouldn't bork his insurance.
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MannerSaurus posted...

mastermix3000 posted...

Lokarin posted...

Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!

Heres the kicker, my rate will go up even though I didnt do anything lol. Already paying $420 with a clean record (car is financed so needed full comprehensive coverage)

Gotta love the bean. Seriously cant wait to move out of here, people drive like idiots; youd think this was an exclusive trait for people in the East Coast

How old are you??? I pay $290 a month for 3 cars, two of which are sports cars. I'm still making payments on them so it has to be full coverage. With USAA.

Also, I would lose my FUCKING MIND if someone dented one of my babies. The third car I don't really give a shit about...

Geez...what do you guys do for a living to make those payments?

chronofantasy11 posted...

This kinda thing makes me want to look for and invest in a dash camera. Preferable a 360 degrees one if there is any. In case you do get someone who will hit and run.

Agreed, definitely considering getting one now. I actually thought about getting one not too long ago too

Smarkil posted...

I just bought a brand new 2017 car last december and two weeks after I drove it off the lot some fuck scraped/dented the passenger side in a parking lot.

I was fucking livid. No notes, no cameras, no way of finding out who it was. Fucking dipshit. Ended up being about a 3000 dollar repair. 500 of which I had to pay.

Then a month after that a dude rear ended me in an off ramp. That was about a 1200 dollar repair, but fortunately the guy was cool about it. Gave me his info. I opted to let him pay out of pocket so it wouldn't bork his insurance.

Yea i hate when people get away with crap like that. Also why I dont even bother with new cars anymore
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mastermix3000 posted...

Lokarin posted...

Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!

Heres the kicker, my rate will go up even though I didnt do anything lol. Already paying $420 with a clean record (car is financed so needed full comprehensive coverage)

Gotta love the bean. Seriously cant wait to move out of here, people drive like idiots; youd think this was an exclusive trait for people in the East Coast

Car insurance isn't for your benefit, it's for the benefit for the people who you might hit and then not be able to pay. The insurance company does whatever if can to discourage you from collecting to the point where it's not worth claiming insurance unless it's something massive.
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http://www.autos.com/auto-repair/how-to-remove-car-dents-with-dry-ice
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The other week i saw a car reverse into another, he got out, checked his car got back in and drove off without checking the other, i managed to get his reg and leave a note on the car with my number, not had a call about it so im guessing there wasnt any damage.

jkdarlow posted...

The other week i saw a car reverse into another, he got out, checked his car got back in and drove off without checking the other, i managed to get his reg and leave a note on the car with my number, not had a call about it so im guessing there wasnt any damage.

He turned around and removed the note.
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Krazy_Kirby posted...

http://www.autos.com/auto-repair/how-to-remove-car-dents-with-dry-ice

He also has to re-attach the body panels together, but that shouldn't be too hard if the dent is fixed and it is shaped correctly.
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MannerSaurus posted...

Krazy_Kirby posted...

http://www.autos.com/auto-repair/how-to-remove-car-dents-with-dry-ice

He also has to re-attach the body panels together, but that shouldn't be too hard if the dent is fixed and it is shaped correctly.

Im just going to call Insurance and see what happens

Im really not trying to drive around with that, I mean it looks minor but I really love this car, most likely gonna take a short term job to pay off the cost and my credit card

It sucks but I already accepted the fact that Im gonna have to cover this persons screw up regardless
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Update:

Dammit, I'm responsible for the 1st $1,000. Insurance will cover the rest. Gonna be out a couple of hundred so this fucker really lucked out as they aren't paying squat

Definitely investing in a dash cam in the summer. People like this suck :(
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mastermix3000 posted...

Dammit, I'm responsible for the 1st $1,000.

You pay over $400 a month for this?
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faramir77 posted...

mastermix3000 posted...

Dammit, I'm responsible for the 1st $1,000.

You pay over $400 a month for this?

it's the cheapest option, I looked for a while. Everyone else is asking for $500-$1000, no lie. Boston is one of the worst places to have a car because it is so expensive. Outside of Boston prices are not nearly as bad; was paying ~$188 in another town in MA
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$400 a month and they still hit you with a $1000 deductible? Good lord, your insurance company is taking you for everything you're worth.
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Dynalo posted...

$400 a month and they still hit you with a $1000 deductible? Good lord, your insurance company is taking you for everything you're worth.

Well not for nothing but insurance is supposed to be used for catastrophic losses not dings in your bumper. People use it for dings in their bumper and it makes everyone's premiums go up because insurance is paying out millions for dumb shit. Especially in a large city like Boston.
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that doesn't even look like $1000 worth of damage tho...

also, was the guy who hit your car named 'roy'?
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Jen0125 posted...

Dynalo posted...

$400 a month and they still hit you with a $1000 deductible? Good lord, your insurance company is taking you for everything you're worth.

Well not for nothing but insurance is supposed to be used for catastrophic losses not dings in your bumper. People use it for dings in their bumper and it makes everyone's premiums go up because insurance is paying out millions for dumb shit. Especially in a large city like Boston.

But plenty of other large cities are able to operate perfectly fine with a fraction of what he's paying.

Christ, I know I live in a smaller city (~300k) in the frozen north, but I pay $110/month for a brand new vehicle, $200 deductible, full replacement insurance (so if my car does get totalled they literally just buy me a new car, or give me the cash to buy a brand new car of a similar type), a loaner vehicle if I'm at fault for the accident, and a few other things.
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You don't know the entire scope of how they set insurance ratings for every area. And I don't know if you have ever seen Boston but they literally paved the colonial streets. It's a nightmare to navigate and I wouldn't be surprised if there were more damage claims because of that.

You also don't really seem to understand auto insurance. I guarantee you don't have a replacement cost value policy. Vehicles deal only with actual cash value and that's why when they total it out they give you the amount it's worth now, not a brand new one. If you have loan gap insurance they will pay the difference between the actual cash value and your loan.
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Jen0125 posted...

You don't know the entire scope of how they set insurance ratings for every area. And I don't know if you have ever seen Boston but they literally paved the colonial streets. It's a nightmare to navigate and I wouldn't be surprised if there were more damage claims because of that.

You also don't really seem to understand auto insurance. I guarantee you don't have a replacement cost value policy. Vehicles deal only with actual cash value and that's why when they total it out they give you the amount it's worth now, not a brand new one. If you have loan gap insurance they will pay the difference between the actual cash value and your loan.

So basically, the only way out of this insurance mess it to total my car?

Jkjk I love my bby, but I do know that is a possibility, exactly why I got GAP
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ZiggiStardust posted...

that doesn't even look like $1000 worth of damage tho...

also, was the guy who hit your car named 'roy'?

It is if you have to replace and paint the rear quarter panel and bumper and paint both and the labor for both painting and installation.
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mastermix3000 posted...

Jen0125 posted...

You don't know the entire scope of how they set insurance ratings for every area. And I don't know if you have ever seen Boston but they literally paved the colonial streets. It's a nightmare to navigate and I wouldn't be surprised if there were more damage claims because of that.

You also don't really seem to understand auto insurance. I guarantee you don't have a replacement cost value policy. Vehicles deal only with actual cash value and that's why when they total it out they give you the amount it's worth now, not a brand new one. If you have loan gap insurance they will pay the difference between the actual cash value and your loan.

So basically, the only way out of this insurance mess it to total my car?

Jkjk I love my bby, but I do know that is a possibility, exactly why I got GAP

The way out of it is to just save up money to get the repair done outside of insurance. Do you really want a claim for $300 raising your rates?
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Jen0125 posted...

I guarantee you don't have a replacement cost value policy. Vehicles deal only with actual cash value and that's why when they total it out they give you the amount it's worth now, not a brand new one. If you have loan gap insurance they will pay the difference between the actual cash value and your loan.

Nope. Full value. Exact wording from the policy I signed.

If the loss or damage happens within the first 24 months from the date you took delivery of the auto AND you choose a brand new vehicle auto of the SAME MAKE AND MODEL, with similar equipment (colour may vary) we will replace your auto. If the same model year is not available, we will replace your auto with the next model year available.

I can also opt to choose a different make and model vehicle, but then it only covers up to what I payed for my vehicle.

I'm very well versed in my insurance policies.
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it has to be 2 years old or less, you see that part right? you're making it seem like you can wreck a 20 year old beater and they'll replace it with a brand new vehicle.
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Jen0125 posted...

it has to be 2 years old or less, you see that part right? you're making it seem like you can wreck a 20 year old beater and they'll replace it with a brand new vehicle.

I believe I very clearly stated that my vehicle is new.

My point was that I'm paying extra for things he's not getting, at a quarter of the cost he's paying.
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and like i said, insurance underwriters have a million factors they take into account when they set the rates for any given areas. i pay a lot less to get a lot more than what he's getting too but i don't live in boston.
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MannerSaurus posted...

mastermix3000 posted...

Lokarin posted...

Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!

Heres the kicker, my rate will go up even though I didnt do anything lol. Already paying $420 with a clean record (car is financed so needed full comprehensive coverage)

Gotta love the bean. Seriously cant wait to move out of here, people drive like idiots; youd think this was an exclusive trait for people in the East Coast

Also, I would lose my FUCKING MIND if someone dented one of my babies.

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rexcrk posted...

MannerSaurus posted...

mastermix3000 posted...

Lokarin posted...

Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!

Heres the kicker, my rate will go up even though I didnt do anything lol. Already paying $420 with a clean record (car is financed so needed full comprehensive coverage)

Gotta love the bean. Seriously cant wait to move out of here, people drive like idiots; youd think this was an exclusive trait for people in the East Coast

Also, I would lose my FUCKING MIND if someone dented one of my babies.

Well when other people fuck up your property they should fix it, not run away

I can't imagine this happening to a new 2017 car I bought. People just suck, I'd lose my mind too
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mastermix3000 posted...

Also Im 24

but how long have you been driving

dioxxys posted...

mastermix3000 posted...

Also Im 24

but how long have you been driving

Legally, 4 year mark in July
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mastermix3000 posted...

dioxxys posted...

mastermix3000 posted...

Also Im 24

but how long have you been driving

Legally, 4 year mark in July

Your insurance should drop dramatically once you hit 4 or 5 years of driving. I forgot which one it is but once you got that down the only other major factor should be age? Might have to be 25 years of age as well. But after a certain point you should expect a drop in cost, I pay exponentially less for my insurance, its around $100 monthly (NC).

dioxxys posted...

Your insurance should drop dramatically once you hit 4 or 5 years of driving. I forgot which one it is but once you got that down the only other major factor should be age? Might have to be 25 years of age as well. But after a certain point you should expect a drop in cost, I pay exponentially less for my insurance, its around $100 monthly (NC).

i know people always say this but i never had expensive insurance even as a teen driver and i never experienced the dip in premiums because my premium has always been between $70-80 a month.
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Dynalo posted...

If the loss or damage happens within the first 24 months from the date you took delivery of the auto

So what happens if the incident occurs after two years from your purchase? Do they just give back less?
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America_Dude posted...

Gogo demographics and location.

My fucking insurance went up. Gotta love having a car that apparently gets stolen often.

yeah the rates are mostly dependent on where you live and your driving record. i've been driving for 12 years now and have never had a moving violation or been in an accident that was my fault. i've only been in one accident that was the other party's fault.

InfestedAdam posted...

So what happens if the incident occurs after two years from your purchase? Do they just give back less?

yeah they'll give you the value of the vehicle for the condition it was in pre-loss.
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InfestedAdam posted...

Dynalo posted...

If the loss or damage happens within the first 24 months from the date you took delivery of the auto

So what happens if the incident occurs after two years from your purchase? Do they just give back less?

From the 2nd to 3rd year they will buy you a new vehicle or give you the original cost of your vehicle + 6% if they can't replace it with the same make, model, and year. So basically, since they'll never find a brand new version of a 2-3 year old car, you just get the cash (or a new vehicle worth less than that amount... So just take the cash).

After the 3rd year, you automatically stop paying for that insurance (which is around $15/month), and your vehicle is treated like any other insured vehicle now - if it gets totalled, you'll get the current value of it.

It just seemed worth it to me, as getting a vehicle totalled in the first 3 years almost always means taking a loss (assuming you financed it), as you'll never get enough money to cover the loan. Best option is to try and buy something equivalent, but it never feels the same. I'm always of the opinion that there is a reason someone is selling their vehicle - usually something is wrong with it.

$15/month and I'll be stress free until I basically have the car paid off? Sounds great to me.

Yeah, I just looked and if my car were totalled off today, the fair market value of the car is anywhere from 3-6k less than what I have owing on the loan.
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mastermix3000 posted...

Lokarin posted...

Ya, that's what insurance is for. If insurance didn't cover it - then insurance is a scam and the entire system goes down, mass hysteria!

Heres the kicker, my rate will go up even though I didnt do anything lol. Already paying $420 with a clean record (car is financed so needed full comprehensive coverage)

Gotta love the bean. Seriously cant wait to move out of here, people drive like idiots; youd think this was an exclusive trait for people in the East Coast

$420 a month? Dude I think you might be better off just putting that same amount on the side in savings
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Dynalo posted...

After the 3rd year, you automatically stop paying for that insurance (which is around $15/month), and your vehicle is treated like any other insured vehicle now - if it gets totalled, you'll get the current value of it.

i'm pretty sure you have gap insurance. which is a bit different than just auto insurance.
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PaddysPub posted...

$420 a month? Dude I think you might be better off just putting that same amount on the side in savings

Yep, My car is a money pit. While it is extremely convenient outside of Boston, I no longer need it as much since I left my job as an auditor (You needed a car for the job)

I cannot get rid of it and I really don't want to. It's a beautiful car, 2013 civ and only had ~20,000 Miles. Car insurance is 420 while the payment itself is ~245 which I can afford. The insurance just makes it way more expensive than it needs to be and as you can already tell, they are fucking useless unless I lost my car to that major freeze that happened in Revere MA

http://www.bbc.com/news/av/world-us-canada-42589963/cars-frozen-in-revere-massachusetts-floodwaters

Again, that is the lowest rate I was able to get in Boston. Really don't recommend buying a car if you plan to live here, insurance is pretty dumb for everyone here. To be fair to insurance companies people really do drive like idiots so almost always an accident every.single.day (Looking at you I-95)

But, a lot of people causing these accidents are not from Boston, but drive here to work. Pretty unfair but that's life
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Jen0125 posted...

Dynalo posted...

After the 3rd year, you automatically stop paying for that insurance (which is around $15/month), and your vehicle is treated like any other insured vehicle now - if it gets totalled, you'll get the current value of it.

i'm pretty sure you have gap insurance. which is a bit different than just auto insurance.

It seems to be more or less the same thing, but the specific name (at least that my insurance uses) is "Waiver of Depreciation Insurance". Which sounds awfully fancy.

And yes, it's additional insurance on top of my regular auto insurance.
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Dynalo posted...

From the 2nd to 3rd year they will buy you a new vehicle or give you the original cost of your vehicle + 6% if they can't replace it with the same make, model, and year. So basically, since they'll never find a brand new version of a 2-3 year old car, you just get the cash (or a new vehicle worth less than that amount... So just take the cash).

After the 3rd year, you automatically stop paying for that insurance (which is around $15/month), and your vehicle is treated like any other insured vehicle now - if it gets totalled, you'll get the current value of it.

That sounds extremely generous, practically too generous. Which company is this? Like with any business, there gotta be some sort of profit for them. I wonder if they only cover areas with very low accident rates, or have a very small client base and said client needs a perfect record.

With the way you described it, you will pay only about $540 over three years. During the first three years you'll get back the amount you paid for the car, after that you'll get back just the market value.

Assuming my math is right, if only 1 out of 64 customers get into an accident in those first three years, the insurance will kinda break even. 64 x $540 = $35,000. 1 out of 64 is 1.56%. I honestly can't tell if that seems too generous of a count.

Dynalo posted...

Jen0125 posted...

i'm pretty sure you have gap insurance. which is a bit different than just auto insurance.

It seems to be more or less the same thing, but the specific name (at least that my insurance uses) is "Waiver of Depreciation Insurance". Which sounds awfully fancy.

And yes, it's additional insurance on top of my regular auto insurance.

Now I am actually confused. What is the $15 per month for? Your actual auto insurance or your gap insurance?
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