Need help with auto insurance

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Old 02 Dec 2008, 10:02 am   #1 (permalink)
cicada
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Default Need help with auto insurance

While I was on a trip, I handed the key to my year 2001 Toyota Camry
to a friend and asked him to move my car on days when parking isn't
allowed.

I just came back today, my friend told me the front fender on my car
became broken while it was parked on the street one week ago. He
thinks another car hit mine when backing, if he's telling me the
truth. Because I was out of the country. He couldn't reach me any
time sooner. He said he moved my car anyway without filing a police
report, to avoid parking tickets on no-parking days. The whole front
piece needs to be replaced now.

I have full auto insurance with Geico with $500 deductable. I believe
the whole front piece costs more than that. The estimate won't be
available untill I visit an autoshop this weekend. But at this point,
is it too late to inform Geico since it happened a week ago? I
believe Geico would do all things possible to avoid paying me
anything. What must I do now?
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Old 02 Dec 2008, 11:19 am   #2 (permalink)
Mark A
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Default Re: Need help with auto insurance

"cicada" <ryinmail@gmail.com> wrote in message
news:7389c9e0-c479-4628-a037-75bdb2d38e12@l39g2000yqn.googlegroups.com...
> While I was on a trip, I handed the key to my year 2001 Toyota Camry
> to a friend and asked him to move my car on days when parking isn't
> allowed.
>
> I just came back today, my friend told me the front fender on my car
> became broken while it was parked on the street one week ago. He
> thinks another car hit mine when backing, if he's telling me the
> truth. Because I was out of the country. He couldn't reach me any
> time sooner. He said he moved my car anyway without filing a police
> report, to avoid parking tickets on no-parking days. The whole front
> piece needs to be replaced now.
>
> I have full auto insurance with Geico with $500 deductable. I believe
> the whole front piece costs more than that. The estimate won't be
> available untill I visit an autoshop this weekend. But at this point,
> is it too late to inform Geico since it happened a week ago? I
> believe Geico would do all things possible to avoid paying me
> anything. What must I do now?


It is not necessary to file a police report if no one is injured. Just call
your insurance company and tell then your car was damaged while you were out
of the country. If you were gone more than 30 days, then you might have a
problem, but I doubt you will have a problem otherwise.


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Old 02 Dec 2008, 12:19 pm   #3 (permalink)
badgolferman
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Default Re: Need help with auto insurance

cicada wrote:

>While I was on a trip, I handed the key to my year 2001 Toyota Camry
>to a friend and asked him to move my car on days when parking isn't
>allowed.
>
>I just came back today, my friend told me the front fender on my car
>became broken while it was parked on the street one week ago. He
>thinks another car hit mine when backing, if he's telling me the
>truth. Because I was out of the country. He couldn't reach me any
>time sooner. He said he moved my car anyway without filing a police
>report, to avoid parking tickets on no-parking days. The whole front
>piece needs to be replaced now.
>
>I have full auto insurance with Geico with $500 deductable. I believe
>the whole front piece costs more than that. The estimate won't be
>available untill I visit an autoshop this weekend. But at this point,
>is it too late to inform Geico since it happened a week ago? I
>believe Geico would do all things possible to avoid paying me
>anything. What must I do now?


I came back from playing golf to find the back end of my car smashed
in. Some moron backed out of a spot and hit my car then took off.
Insurance covered the damage under Uninsured Motorists after some
prodding.
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Old 02 Dec 2008, 03:06 pm   #4 (permalink)
cicada
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Default Re: Need help with auto insurance

On Dec 2, 1:19*pm, "badgolferman" <REMOVETHISbadgolfer...@gmail.com>
wrote:

>
> I came back from playing golf to find the back end of my car smashed
> in. *Some moron backed out of a spot and hit my car then took off.
> Insurance covered the damage under Uninsured Motorists after some
> prodding.- Hide quoted text -
>
> - Show quoted text -


Some people tell me it's not worth it because the insurance company
would increase my future premiums after my claim. Is that true with
Geico?
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Old 02 Dec 2008, 04:15 pm   #5 (permalink)
ransley
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Default Re: Need help with auto insurance

On Dec 2, 10:02*am, cicada <ryinm...@gmail.com> wrote:
> While I was on a trip, I handed the key to my year 2001 Toyota Camry
> to a friend and asked him to move my car on days when parking isn't
> allowed.
>
> I just came back today, my friend told me the front fender on my car
> became broken while it was parked on the street one week ago. *He
> thinks another car hit mine when backing, if he's telling me the
> truth. *Because I was out of the country. *He couldn't reach me any
> time sooner. *He said he moved my car anyway without filing a police
> report, to avoid parking tickets on no-parking days. *The whole front
> piece needs to be replaced now.
>
> I have full auto insurance with Geico with $500 deductable. *I believe
> the whole front piece costs more than that. *The estimate won't be
> available untill I visit an autoshop this weekend. *But at this point,
> is it too late to inform Geico since it happened a week ago? *I
> believe Geico would do all things possible to avoid paying me
> anything. *What must I do now?


Its not worth it to file, 500 may cover it. Have something else happen
soon and you might get dropped. If you get dropped it will cost more
than the bumper.
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Old 02 Dec 2008, 04:16 pm   #6 (permalink)
Mark A
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Default Re: Need help with auto insurance

"cicada" <ryinmail@gmail.com> wrote in message
news:54f7f4b9-95fb-49b3-893e-c8091f158cb0@w35g2000yqm.googlegroups.com...
> Some people tell me it's not worth it because the insurance company
> would increase my future premiums after my claim. Is that true with
> Geico?


Definitely could be the case with any insurance company. Depends on many
factors such as how much will the repair cost and the deductible, how long
you have been with Geico, and how many previous claims you have filled.

Some insurance companies will not raise rates for your first claim if you
have been with them long enough.

I would think that most agents would give you the details on your situation
for you to make the correct decision, although since it is Geico you may be
just talking to a customer service person on the phone who does not
personally loose anything if you go to another company (like a local agent
would).


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Old 03 Dec 2008, 01:43 am   #7 (permalink)
Sharx35
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Default Re: Need help with auto insurance



"Mark A" <someone@someone.com> wrote in message
news:F3eZk.2822$M01.1178@bignews3.bellsouth.net...
> "cicada" <ryinmail@gmail.com> wrote in message
> news:7389c9e0-c479-4628-a037-75bdb2d38e12@l39g2000yqn.googlegroups.com...
>> While I was on a trip, I handed the key to my year 2001 Toyota Camry
>> to a friend and asked him to move my car on days when parking isn't
>> allowed.
>>
>> I just came back today, my friend told me the front fender on my car
>> became broken while it was parked on the street one week ago. He
>> thinks another car hit mine when backing, if he's telling me the
>> truth. Because I was out of the country. He couldn't reach me any
>> time sooner. He said he moved my car anyway without filing a police
>> report, to avoid parking tickets on no-parking days. The whole front
>> piece needs to be replaced now.
>>
>> I have full auto insurance with Geico with $500 deductable. I believe
>> the whole front piece costs more than that. The estimate won't be
>> available untill I visit an autoshop this weekend. But at this point,
>> is it too late to inform Geico since it happened a week ago? I
>> believe Geico would do all things possible to avoid paying me
>> anything. What must I do now?

>
> It is not necessary to file a police report if no one is injured. Just
> call your insurance company and tell then your car was damaged while you
> were out of the country. If you were gone more than 30 days, then you
> might have a problem, but I doubt you will have a problem otherwise.


On my insurance. ONLY my wife and I are allowed as drivers. Period.


>
>

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Old 03 Dec 2008, 07:59 am   #8 (permalink)
Mark A
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Default Re: Need help with auto insurance

"Sharx35" <sharx35@hotmail.com> wrote in message
news:kMqZk.2240$si6.1793@edtnps83...
> On my insurance. ONLY my wife and I are allowed as drivers. Period.


According to the friend, the car was not driven when the damage occurred, it
was parked.


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Old 03 Dec 2008, 02:03 pm   #9 (permalink)
mrdarrett@gmail.com
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Default Re: Need help with auto insurance

On Dec 2, 11:43 pm, "Sharx35" <shar...@hotmail.com> wrote:

> On my insurance. ONLY my wife and I are allowed as drivers. Period.
>
>



Is that common in Canada?

On my insurance plans (over the years I've had 21st Century, Costco/
Ameriprise, and now have Geico) friends and family could drive too,
and still be covered.

Michael
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Old 03 Dec 2008, 11:13 pm   #10 (permalink)
Sharx35
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Default Re: Need help with auto insurance



"Mark A" <someone@someone.com> wrote in message
news:UewZk.3291$UI2.483@bignews6.bellsouth.net...
> "Sharx35" <sharx35@hotmail.com> wrote in message
> news:kMqZk.2240$si6.1793@edtnps83...
>> On my insurance. ONLY my wife and I are allowed as drivers. Period.

>
> According to the friend, the car was not driven when the damage occurred,
> it was parked.


Nonetheless, the friend had been driving it--the insurance company might
void the policy PRIOR to the day the damage occured.


>
>

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