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Old 30 Aug 2006, 10:53 am   #1 (permalink)
zhi
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Sorry I am not sure whether this question is proper here...

I backed up my car in a parking lot and it hit the rain pipe outside
the building of an auto shop when I purchased and installed four tires
there. it's not serious: The pipe got deformed at the lower end but
not clogged and I think it still works. I have a liability insurance
which I think can pay for this kind of "Property Damage" thing, but I
don't know whether they will increase the deductibles next time for
this kind of "accident". Anyone can give an opinion about how serious
this case is in the eyes of the insurance company? which is a better
way to resolve this: i handle it or just let the shop owner go to my
insurance company? Thanks a lot!

Zhi

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Old 30 Aug 2006, 12:05 pm   #2 (permalink)
mrdarrett@gmail.com
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zhi wrote:
> Sorry I am not sure whether this question is proper here...
>
> I backed up my car in a parking lot and it hit the rain pipe outside
> the building of an auto shop when I purchased and installed four tires
> there. it's not serious: The pipe got deformed at the lower end but
> not clogged and I think it still works. I have a liability insurance
> which I think can pay for this kind of "Property Damage" thing, but I
> don't know whether they will increase the deductibles next time for
> this kind of "accident". Anyone can give an opinion about how serious
> this case is in the eyes of the insurance company? which is a better
> way to resolve this: i handle it or just let the shop owner go to my
> insurance company? Thanks a lot!
>
> Zhi



Maybe have the property owner give you a couple of estimates...? The
labor for demolishing the concrete to repair the pipe might make you
think twice about paying for it out-of-pocket.

Just my $0.02

Michael

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Old 30 Aug 2006, 02:14 pm   #3 (permalink)
timbirr@mailcity.com
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zhi wrote:
> Sorry I am not sure whether this question is proper here...
>
> I backed up my car in a parking lot and it hit the rain pipe outside
> the building of an auto shop when I purchased and installed four tires
> there. it's not serious: The pipe got deformed at the lower end but
> not clogged and I think it still works. I have a liability insurance
> which I think can pay for this kind of "Property Damage" thing, but I
> don't know whether they will increase the deductibles next time for
> this kind of "accident". Anyone can give an opinion about how serious
> this case is in the eyes of the insurance company? which is a better
> way to resolve this: i handle it or just let the shop owner go to my
> insurance company? Thanks a lot!
>
> Zhi


Under $1,500 or so, take care of it yourself. Not worth the hit on your
insurance record. Between $1,500K to $2,000, sorta of a wash. After
$2,000 go with insurance.

DON'T ask your insurance company about it. If you already have, you
might as well claim it, but nowadays they treat an inquiry, even if you
make no claim, like a claim.

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Old 30 Aug 2006, 04:09 pm   #4 (permalink)
zhi
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I have given them my insurance information, and have told them to give
me the estimate before they repair it, so that I can decide whether to
handle it myself or not. However, today I talked with the shop owner
and he seemed to be thinking about using this opportunity to renovate
his whole building!

I don't know how much my insurance will increase to if they make the
claim (say, $500). Is it worth to pay money under $1500 compared with
the insurance fee increase? Sorry I don't know much about how these
insurance companies work.

Thanks!



timbirr@mailcity.com wrote:
> zhi wrote:
> > Sorry I am not sure whether this question is proper here...
> >
> > I backed up my car in a parking lot and it hit the rain pipe outside
> > the building of an auto shop when I purchased and installed four tires
> > there. it's not serious: The pipe got deformed at the lower end but
> > not clogged and I think it still works. I have a liability insurance
> > which I think can pay for this kind of "Property Damage" thing, but I
> > don't know whether they will increase the deductibles next time for
> > this kind of "accident". Anyone can give an opinion about how serious
> > this case is in the eyes of the insurance company? which is a better
> > way to resolve this: i handle it or just let the shop owner go to my
> > insurance company? Thanks a lot!
> >
> > Zhi

>
> Under $1,500 or so, take care of it yourself. Not worth the hit on your
> insurance record. Between $1,500K to $2,000, sorta of a wash. After
> $2,000 go with insurance.
>
> DON'T ask your insurance company about it. If you already have, you
> might as well claim it, but nowadays they treat an inquiry, even if you
> make no claim, like a claim.


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Old 30 Aug 2006, 05:09 pm   #5 (permalink)
mack
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"zhi" <blacksoil@gmail.com> wrote in message
news:1156972165.189782.250120@h48g2000cwc.googlegr oups.com...
>I have given them my insurance information, and have told them to give
> me the estimate before they repair it, so that I can decide whether to
> handle it myself or not. However, today I talked with the shop owner
> and he seemed to be thinking about using this opportunity to renovate
> his whole building!
>
> I don't know how much my insurance will increase to if they make the
> claim (say, $500). Is it worth to pay money under $1500 compared with
> the insurance fee increase? Sorry I don't know much about how these
> insurance companies work.
>
> Thanks!
>


If this is your first and only claim on your policy, I'd let the insurance
company handle it.
They May or May Not increase your premium, but even if they do, it's likely
that the increase
will be a lot smaller than if you have to pay for the repair yourself. and
the way the owner
is acting, wanting to rebuild his structure because of a little bend in the
pipe, I'd let the insurance
carrier know that he's liable to inflate his claim for the damage. Go with
the insurance...
isn't that why you HAVE insurance?
>
>
> timbirr@mailcity.com wrote:
>> zhi wrote:
>> > Sorry I am not sure whether this question is proper here...
>> >
>> > I backed up my car in a parking lot and it hit the rain pipe outside
>> > the building of an auto shop when I purchased and installed four tires
>> > there. it's not serious: The pipe got deformed at the lower end but
>> > not clogged and I think it still works. I have a liability insurance
>> > which I think can pay for this kind of "Property Damage" thing, but I
>> > don't know whether they will increase the deductibles next time for
>> > this kind of "accident". Anyone can give an opinion about how serious
>> > this case is in the eyes of the insurance company? which is a better
>> > way to resolve this: i handle it or just let the shop owner go to my
>> > insurance company? Thanks a lot!
>> >
>> > Zhi

>>
>> Under $1,500 or so, take care of it yourself. Not worth the hit on your
>> insurance record. Between $1,500K to $2,000, sorta of a wash. After
>> $2,000 go with insurance.
>>
>> DON'T ask your insurance company about it. If you already have, you
>> might as well claim it, but nowadays they treat an inquiry, even if you
>> make no claim, like a claim.

>



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Old 30 Aug 2006, 05:45 pm   #6 (permalink)
mrdarrett@gmail.com
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mack wrote:
> "zhi" <blacksoil@gmail.com> wrote in message
> news:1156972165.189782.250120@h48g2000cwc.googlegr oups.com...
> >I have given them my insurance information, and have told them to give
> > me the estimate before they repair it, so that I can decide whether to
> > handle it myself or not. However, today I talked with the shop owner
> > and he seemed to be thinking about using this opportunity to renovate
> > his whole building!
> >
> > I don't know how much my insurance will increase to if they make the
> > claim (say, $500). Is it worth to pay money under $1500 compared with
> > the insurance fee increase? Sorry I don't know much about how these
> > insurance companies work.
> >
> > Thanks!
> >

>
> If this is your first and only claim on your policy, I'd let the insurance
> company handle it.
> They May or May Not increase your premium, but even if they do, it's likely
> that the increase
> will be a lot smaller than if you have to pay for the repair yourself. and
> the way the owner
> is acting, wanting to rebuild his structure because of a little bend in the
> pipe, I'd let the insurance
> carrier know that he's liable to inflate his claim for the damage. Go with
> the insurance...
> isn't that why you HAVE insurance?



I agree.

Last winter, I had (my first) homeowners insurance claim - I installed
a toilet incorrectly, and ended up with 1-2 inches of (clean) water
flooding the whole house (woke up at 4am to the sound of water gushing
from the bathroom). All carpet had to be removed and replaced, at a
cost of about $4,000.

My friends said "don't involve the insurance company". I decided to
take a chance, and had the insurance take care of it. Glad I did. The
premium didn't seem to rise much, but then again, they sent me the
premium bill while the claim was still open, maybe it wasn't reflected
yet...

Good luck,

Michael

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Old 30 Aug 2006, 05:56 pm   #7 (permalink)
zhi
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thanks a lot!

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