F***ing g** darned jack **s... He hit me... (hit and run)
#1
Registered
Thread Starter
![WA](https://www.rx8club.com/images/icons/wa.jpg)
Leaving for work and i came out to find this had happened...![Ky](https://www.rx8club.com/images/smilies/ky.gif)
I guess it's time to loose the rear wing, tint the tail lights, and do my own thing with the rear bumper cover.
Any suggestions?
**already took it to insurasne and if i don't want my rate to go up i fix it myself**
![Ky](https://www.rx8club.com/images/smilies/ky.gif)
I guess it's time to loose the rear wing, tint the tail lights, and do my own thing with the rear bumper cover.
Any suggestions?
**already took it to insurasne and if i don't want my rate to go up i fix it myself**
#4
What am I doing here?
Join Date: Mar 2006
Location: 2017 Miata RF Launch Edition
Posts: 3,606
Received 649 Likes
on
510 Posts
Many insurance companies still consider that a "collision" claim which typically carries a rate hike (while "comprehensive" doesn't). Their reasoning is that you clearly represent an increased risk because you park in unsafe areas.
#6
Registered
iTrader: (2)
Join Date: Oct 2007
Location: Pacific Northwest
Posts: 16,684
Likes: 0
Received 252 Likes
on
110 Posts
It should be covered under comprehensive. I've had to deal with 2 hit and runs over the years on various vehicles, both times it was covered under comprehensive. I believe it's because it's considered "damage from criminal activity", the same as a break in or theft.
File a claim, it's going to get rather costly to fix. Even if your rates go up (which there is ZERO justification for an insurance company to do so), it's still probably cheaper to file a claim. There may even be enough damage there to justify a total considering your rear quarter panel is involved, and if you follow that, it's part of the roof. It's not just a piece you can simply replace.
File a claim, it's going to get rather costly to fix. Even if your rates go up (which there is ZERO justification for an insurance company to do so), it's still probably cheaper to file a claim. There may even be enough damage there to justify a total considering your rear quarter panel is involved, and if you follow that, it's part of the roof. It's not just a piece you can simply replace.
#8
Registered
Thread Starter
Update..
Thanks for the advice everyone. I'm taking the hit on my insurance. It's less than the parts I want to pick up for her (i don't like body work but i lucked out on one of the body shops i went into... rotary fan! woop). The deal is, he'll pull the dents and straighten everything out, I'll do the nuts and bolts of my aftermarket parts then come back to him for finish work, paint ect.
My state here covers the damages of hit and runs through Under/non-insured motorists but i dropped that two months ago because i normally park it in the garage and work is only 15 min away. The one time i didn't... of course this happens. I can't remeber the user name but i kinda fell in love with the tail attached.
hoosier1104: I like the sleek look.What can i say?
My state here covers the damages of hit and runs through Under/non-insured motorists but i dropped that two months ago because i normally park it in the garage and work is only 15 min away. The one time i didn't... of course this happens. I can't remeber the user name but i kinda fell in love with the tail attached.
hoosier1104: I like the sleek look.What can i say?
#10
Registered
My wife's car once had a tail light taken out while parked. The insurance company said unless I saw someone swing a bat at it, that was considered to be collision. No fault, but the deductable applied. Despite my taking a run at it being glass (sort of) which is usually covered by comprehensive.
Ken
#11
What am I doing here?
Join Date: Mar 2006
Location: 2017 Miata RF Launch Edition
Posts: 3,606
Received 649 Likes
on
510 Posts
Whether a collision claim counts against you should depend on fault. I lost two cars to collisions with uninsured drivers. One was paid off under collision, the other under uninsured motorist, based on which had the more favorable deductable at the time. Niether one affected my rates.
My wife's car once had a tail light taken out while parked. The insurance company said unless I saw someone swing a bat at it, that was considered to be collision. No fault, but the deductable applied. Despite my taking a run at it being glass (sort of) which is usually covered by comprehensive.
Ken
My wife's car once had a tail light taken out while parked. The insurance company said unless I saw someone swing a bat at it, that was considered to be collision. No fault, but the deductable applied. Despite my taking a run at it being glass (sort of) which is usually covered by comprehensive.
Ken
#13
Registered
In my case, NYC, when one of my cars got hit and run while parked, I'm pretty sure they handled it as collision.
Also, I think different states handle the fault/no-fault thing differently. It seems the reasoning behind no-fault laws is to reduce premium/litigation costs.
No-fault insurance - Wikipedia, the free encyclopedia
Also, I think different states handle the fault/no-fault thing differently. It seems the reasoning behind no-fault laws is to reduce premium/litigation costs.
No-fault insurance - Wikipedia, the free encyclopedia
#16
Registered
Thread Starter
#17
Registered
Thread Starter
![WA](https://www.rx8club.com/images/icons/wa.jpg)
In my case, NYC, when one of my cars got hit and run while parked, I'm pretty sure they handled it as collision.
Also, I think different states handle the fault/no-fault thing differently. It seems the reasoning behind no-fault laws is to reduce premium/litigation costs.
No-fault insurance - Wikipedia, the free encyclopedia
Also, I think different states handle the fault/no-fault thing differently. It seems the reasoning behind no-fault laws is to reduce premium/litigation costs.
No-fault insurance - Wikipedia, the free encyclopedia
I'm in Washington (no not DC) they cover it under Non-insured motorist. But in our state you're required to have insurance, i don't leave state much so i didnt think i needed it at the time and never really reconsidered... I've just renewed my policy sense i got the car. Another rookie mistake, i get it...
Last edited by pbri1236; 01-21-2014 at 03:57 AM.
#19
Registered
Thread Starter
#23
Registered
Thread Starter
![WA](https://www.rx8club.com/images/icons/wa.jpg)
Just a little update on where I'm at with all this. Car's still in the body shop but should be ready Friday.
Last edited by pbri1236; 02-01-2014 at 05:48 AM.
Thread
Thread Starter
Forum
Replies
Last Post
WingleBeast
Series I Wheels, Tires, Brakes & Suspension
22
05-23-2016 09:22 PM
Touge
Canada Forum
3
09-10-2015 08:07 AM
Touge
Canada Forum
0
09-01-2015 10:47 PM