Question about car insurance claims

[shmokes]

Awesome.  That is EXACTLY the information I was looking for*

I haven't talked to the adjuster yet, but the lady I talked to on the phone put me on hold for a minute to check and she came back and said it was characterized as a comprehensive rather than collision claim.  So it looks like I dodged a bullet there.  I didn't know how that worked, but I'll definitely keep it in mind for the future.






* Take that, Chad.   

[shmokes]

Picked up my car Friday evening.  Finally, after eight months our car looked good as new and didn't have a white-trash bungee cord holding the front bumper on! 

Of course, today a lady ran a stop sign and broadsided my wife, so that was short lived, LOL.     

No injuries, so I can laugh about it.  But c'mon.  What kind of bad luck is that?  At least it was her fault and she's insured.  And, of course, Maddy had already been dropped at daycare and my wife wasn't injured at all.  Could have been much worse.

[AtomSmasher]

Of course, today a lady ran a stop sign and broadsided my wife, so that was short lived, LOL.   

Wow, talk about bad timing.  A few years back my uncle had just bought a new truck and on his way home from the dealer after buying it, he got broadsided from someone running a red light.  His take on the situation was "At least I got the first scratch out of the way"   

[shmokes]

I keep telling my wife that she should start getting headaches, cos we could really use a $20k insurance settlement right now.  She just rolls her eyes at me.   

[Dartful Dodger]

What did it cost to fix?

[shmokes]

Something like $1050.  $500 deductible (for some reason I was thinking my deductible was $250, but it's $500).  There's NO WAY that the damage done by this accident could have caused the damage that already existed on the bumper up until Friday, though.  Nobody would even consider the possibility.  So had I waited a couple more weeks to get it fixed it's not like I would have got the prior damage fixed for free.  Wouldn't that have been salt in the wound . . . 

MUCH more damage this time.  $3,000, I guess, but I really have no idea.  The rear-drivers side door is smashed in, and the frame below it is badly bent, and the real wheel has a great deal of cosmetic damage -- not sure if that can be repaired or if it must be replaced.  I'm concerned about the back wheel being hit.  It's scratched up really bad.  It feels like it's driving fine, but I'm worried about potential effects this might have on the axle that might not be immediately apparent to the body shop.  I'm sure the overall damage is not bad enough to total the car, though. 

Bad luck.  This will the third time the car has been in the shop.  It's a 2006 Honda Civic!  For crying out loud.  Someone backed into it in a parking lot within our first six months of owning it.  Then there was the flying chunk of tire destroying the front bumper.  Now this.  None of them were our fault -- or even avoidable.

[Ed_McCarron]

and the frame below it is badly bent

I'm sure the overall damage is not bad enough to total the car, though. 

Frame as in rails that run under the length of the car, or the frame the door seats in?

If its not unibody, and the frame rails are bent, kiss it goodbye.  Most places will total a car for bent frame rails anymore.

[ChadTower]

If its not unibody, and the frame rails are bent, kiss it goodbye.  Most places will total a car for bent frame rails anymore.

The Civic is a unibody car.

[HaRuMaN]

I got a 2008 Honda Fit recently.  Three days later I got rear-ended on my way home from work.  My first new vehicle EVAR!     Nobody ever bothered to hit my old crappy pickup.

[ChadTower]

How does the Fit look in terms of being able to move a game?  If I don't replace my Civic with a Tacoma when the time comes, it might be a Fit.

[HaRuMaN]

How does the Fit look in terms of being able to move a game?  If I don't replace my Civic with a Tacoma when the time comes, it might be a Fit.

It's pretty roomy in the back when you fold the seats down.  I need to take a tape measure in there to see what exactly you could put in.  I would imagine that a classic style cab with a 19" monitor would fit, maybe stick out the back some, but that's what the hatchback is for.  I don't know if you could put something like a midway 25" cab in there.  I'll take some measurements, though.

[ChadTower]

Cool.  Very few games I would be interested in ever had a 25" monitor anyway, and if you can get a 19" cab in there, you can get a pin.

[Dartful Dodger]

I have a small dent in the bumper.  It doesn't bother the way the car runs, it just annoys me.

For over grand, I'll live with it.

[ChadTower]

I have a small dent in the dumper.  It doesn't bother the way the I run, it just annoys me.

For over grand, I'll live with it.

fixt

[koolmoecraig]

Are there any cars at all that are still body on frame?

Not trucks, cars?