| Posted By |
Message |
JenMarie
One day at a time
Member since 11/07 7397 total posts
Name:
Jennifer
|
Grrr. Who's insurance?
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car. The hitch on the back dented my hood slightly. It's minor, but will prob need a new hood. I honestly could live with it, but I want to trade the car in at some point for a new car, so I guess i should get it fixed. I have had 2 accidents through my insurance in a not so long period of time (3 years). One was my fault (rear ended someone) and the other was a hit and run in front of my house. I'm still on my father's insurance tho, so I'm worried that if I put this through, they will drop us which would mean my father and sister would lose their insurance as well. On the other hand, DH has Geico and they have a rep for dropping you after one incident. What should I do?
|
Posted 3/3/08 4:12 PM  |
| |
|
Long Island Weddings
Long Island's Largest Bridal Resource |
CunningOne
***
Member since 5/05 26975 total posts
Name:
|
Re: Grrr. Who's insurance?
I wouldn't go through insurance at all. Just pay out of pocket...
|
| Posted 3/3/08 4:13 PM |
| |
|
DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
|
Re: Grrr. Who's insurance?
Posted by Jennifer907
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car. The hitch on the back dented my hood slightly. It's minor, but will prob need a new hood. I honestly could live with it, but I want to trade the car in at some point for a new car, so I guess i should get it fixed. I have had 2 accidents through my insurance in a not so long period of time (3 years). One was my fault (rear ended someone) and the other was a hit and run in front of my house. I'm still on my father's insurance tho, so I'm worried that if I put this through, they will drop us which would mean my father and sister would lose their insurance as well. On the other hand, DH has Geico and they have a rep for dropping you after one incident. What should I do?
Better get out your flame retardant suit! I would not make a claim-ask friends for a reasonable body shop
|
| Posted 3/3/08 4:14 PM |
| |
|
bicosi
life is a carousel
Member since 7/07 14956 total posts
Name:
M
|
Re: Grrr. Who's insurance?
Posted by chmlengr
I wouldn't go through insurance at all. Just pay out of pocket...
I agree!
|
| Posted 3/3/08 4:15 PM |
| |
|
MsMBV
:P
Member since 5/05 28602 total posts
Name:
Me
|
Re: Grrr. Who's insurance?
Posted by chmlengr
I wouldn't go through insurance at all. Just pay out of pocket...
I kind of agree, although I can tell you that I have Geico & DH has had an accident and they never threatened to drop us.
ETA: and forgive me but I cannot keep quiet. DH should learn that a consequence of his behaviour is fixing your car.
Message edited 3/3/2008 4:20:47 PM.
|
| Posted 3/3/08 4:15 PM |
| |
|
Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
|
Re: Grrr. Who's insurance?
it depends how often insurance companies run your records.
Geico apparently never ran ours and finally did, now they dropped us after 5 incidents.
It costs more to run these reports than it did before so some insurers are not running them as often.
I still would not go through insurance.
|
| Posted 3/3/08 4:19 PM |
| |
|
Whamtastic
LIF Adult
Member since 1/07 997 total posts
Name:
Big Fat Baby with a Blackberry
|
Re: Grrr. Who's insurance?
Posted by Jennifer907
DH got extremely drunk last night and when he was parking his truck, he backed into my car.
|
| Posted 3/3/08 5:04 PM |
| |
|
headoverheels
s'il vous plaît
Member since 6/07 42079 total posts
Name:
LB
|
Re: Grrr. Who's insurance?
Posted by Jennifer907
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car.
i don't have any insurance advice, but i would definitely edit this out of your post.
|
| Posted 3/3/08 5:55 PM |
| |
|
Superkat
More a stranger than a friend
Member since 5/06 9730 total posts
Name:
K
|
Re: Grrr. Who's insurance?
If your husband was driving while he was drunk, I think your problems are bigger than a dented hood.
Message edited 3/3/2008 6:02:51 PM.
|
| Posted 3/3/08 6:02 PM |
| |
|
Kara
Now Zagat Rated!
Member since 3/07 13217 total posts
Name:
They call me "Tater Salad"
|
Re: Grrr. Who's insurance?
That damage doesn't sound bad enough for insurance. I'd pay out of pocket.
Regardless, BOTH of your insurance companies would be notified about the claim if you make one...
|
| Posted 3/3/08 6:15 PM |
| |
|
Kara
Now Zagat Rated!
Member since 3/07 13217 total posts
Name:
They call me "Tater Salad"
|
Re: Grrr. Who's insurance?
Posted by headoverheels
Posted by Jennifer907
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car.
i don't have any insurance advice, but i would definitely edit this out of your post.
Whoa, I missed that.
I'm so angry reading this that I just have no words.
|
| Posted 3/3/08 6:18 PM |
| |
|
JenMarie
One day at a time
Member since 11/07 7397 total posts
Name:
Jennifer
|
Re: Grrr. Who's insurance?
Posted by Kara
Posted by headoverheels
Posted by Jennifer907
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car.
i don't have any insurance advice, but i would definitely edit this out of your post.
Whoa, I missed that.
I'm so angry reading this that I just have no words.
You and I both! There are no words.
|
| Posted 3/3/08 6:20 PM |
| |
|
headoverheels
s'il vous plaît
Member since 6/07 42079 total posts
Name:
LB
|
Re: Grrr. Who's insurance?
Posted by Jennifer907
Posted by Kara
Posted by headoverheels
Posted by Jennifer907
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car.
i don't have any insurance advice, but i would definitely edit this out of your post.
Whoa, I missed that.
I'm so angry reading this that I just have no words.
You and I both! There are no words.
i know you didn't make him drive - i only have  for you.
|
| Posted 3/3/08 6:39 PM |
| |
|
rose825
Best Friends
Member since 6/05 10228 total posts
Name:
|
Re: Grrr. Who's insurance?
Posted by Superkat
If your husband was driving while he was drunk, I think your problems are bigger than a dented hood.
seriously
|
| Posted 3/3/08 6:50 PM |
| |
|
Kara
Now Zagat Rated!
Member since 3/07 13217 total posts
Name:
They call me "Tater Salad"
|
Re: Grrr. Who's insurance?
Posted by Jennifer907
Posted by Kara
Posted by headoverheels
Posted by Jennifer907
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car.
i don't have any insurance advice, but i would definitely edit this out of your post.
Whoa, I missed that.
I'm so angry reading this that I just have no words.
You and I both! There are no words.
I'm so sorry. 
PLEASE - try to get through to him. The dented hood and insurance aren't nearly as important and guaranteeing that this NEVER happens again - EVER.
Message edited 3/3/2008 6:54:23 PM.
|
| Posted 3/3/08 6:53 PM |
| |
|
Shorty
.
Member since 5/05 30390 total posts
Name:
really
|
Re: Grrr. Who's insurance?
wow - so sorry
I would be so upset if the man ever did that...
but anyway, i agree - don't put it through your insurance. Take it to a reputable shop (I can recommend one in Smithtown if you're close) - they can probably bang out the dent and paint it with touch up paint and it'll look pretty good.
|
| Posted 3/3/08 6:56 PM |
| |
|
JenniferEver
The Disney Lady
Member since 5/05 18163 total posts
Name:
Jennifer
|
Re: Grrr. Who's insurance?
Posted by Jennifer907
Posted by Kara
Posted by headoverheels
Posted by Jennifer907
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car.
i don't have any insurance advice, but i would definitely edit this out of your post.
Whoa, I missed that.
I'm so angry reading this that I just have no words.
You and I both! There are no words.
ITA
Just pay it and be glad the bumper is the only casualty.
I'm sorry but nothing makes me more sick thank drunk drivers.
|
| Posted 3/3/08 7:54 PM |
| |
|
Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
|
Re: Grrr. Who's insurance?
make him pay out of pocket
|
| Posted 3/3/08 8:46 PM |
| |
|
MommaG
Yay Spring!
Member since 5/05 5133 total posts
Name:
Gloria
|
Re: Grrr. Who's insurance?
As your car was hit while parked, you bear no liability. You could use your own insurance, and your company would subrogate against his company. Sometimes, though, there are exclusions for damage that happens on your property between your vehicles (depends upon your policy).
IMO, I don't think it's worth it to go through insurance. The damage might not even be higher than your deductible.
|
| Posted 3/3/08 9:39 PM |
| |
|
ArmyOfBabies
Growing older but not up
Member since 7/07 4427 total posts
Name:
Jeri
|
Re: Grrr. Who's insurance?
Posted by Jennifer907
Soooo, DH got extremely drunk last night and when he was parking his truck, he backed into my car.
I can't get past this. That is extremely disturbing. Like the other ladies said, there might be more important issues other than a dented hood.
|
| Posted 3/3/08 10:19 PM |
| |
|
