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Automotive News & Views Inconsiderate Drivers (share your stories, etc.)
14399 messages, Last post on Dec 03, 2009 at 7:51 PM
You are in the Automotive News & Views Forum. Your Hosts are steve_ & claires
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Replying to: tallman1 (Nov 05, 2009 1:05 pm) |
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Replying to: 210delray (Nov 05, 2009 5:43 pm)
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Replying to: euphonium (Nov 06, 2009 8:55 am) On a similar note, my 2004 Camry was involved in a hit-and-run in the middle of the night (no witnesses) while my son had it for several months in Los Angeles. He had his own insurance policy, because my company wouldn't insure cars kept in California, even though we never transferred the title. Long story short, his insurance company regarded the $4,000+ damage as a collision claim and wouldn't pay the $1,000 deductible. I thought it should have been covered as an uninsured motorist claim, but their defense is that because the perpetrator's identity was unknown ("ghost driver"), they don't know with 100% certainty that another driver was involved in the first place. 
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Replying to: euphonium (Nov 06, 2009 8:55 am) In this case, I think the coverage on the vehicle driven by the perpetrator should have covered the damages. If the owner was not driving, then it would be up to her and her insurance company to pursue damages from that individual independently of the restitution to the victim.
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Replying to: xwesx (Nov 06, 2009 10:12 am) As for the phantom car causing the damage, that's what the Underinsured Motorist Property Damage clause covers. However, the deductible is when the at fault, hit & run, phantom vehicle is eventually identified, the UMPD collision drops down to $100 from $500. UM Bodily Injury does NOT cover the vehicle.
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Replying to: euphonium (Nov 06, 2009 2:59 pm) That's true, but if it were required that all licensed drivers carry liability insurance, that would be a non-issue. |
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Replying to: euphonium (Nov 06, 2009 2:59 pm) also i understand that a car that gets crunched while parked, with no witness and no driver identified, it will be covered under insurance *comprehensive* claim just the same as random vandalism, fire, theft. and the comprehensive deductible would apply. caveat: i rarely have had to file insurance claims and it's been decades since i had to file one like that discussed here ( after my forensic analysis indicated that my 1985 Z28 was "nicked" or "kissed" by an MBTA bus, all the way down the drivers side. the bus had plastic side-panels but it was a big-$ bodywork/repaint. ) so my info could be way out of date and not apply to states other than MA, back when the MA insurance industry was state-controlled.
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Replying to: elias (Nov 07, 2009 6:54 am) That's what happened to my car in Los Angeles, but the insurance company covered it as a collision claim, so I was out $1000, not the $500 it would have been for comprehensive. (As you can guess, insurance for my then-24-year-old unmarried son was very high in L.A., so the high deductibles were chosen to lower the overall cost). However, if you hit a deer (as I did a number of years ago) or other animal, the damage is covered under comprehensive.
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Replying to: 210delray (Nov 07, 2009 8:56 pm) inconsiderate driver of the week , a leftlane gator, zigzaggers, "punish" the other driver type by intentionally cuting off - or drifting way into other person's lane. pickup truck guy intentionally drifted into my lane, would have occupied my TDI's hood's space but was so tall that he didn't PIT maneuver himself across 2 lanes of 65 mph traffic. it's amazing how aggressively those kind of aggressive drivers will act when I'm driving TDI compared to GTO, even when I drive exactly the same steady-state speed & with exact same consideration for other drivers. slightly different acceleration, of course.
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Schuylkill Expressway (just outside Philly) yesterday cruising along at about 65-70 (55 zone) traffic bunches up around an entrance ramp... naturally everyone slams on their brakes. I had to stop fairly hard, but nothing too close (anti-lock didn't kick in) all of a sudden out of no where a gold Mitsu comes flying up on my right tires all locked up and almost side swiped me. Obviously following too close and had to swerve into the right lane to avoid hitting the guy behind me. My GF almost had a heart attack! Why must people follow so darn close to one another at highway speed? The best part of this... a few miles later a 4 or 5 car pile up happened behind us. All this for a day of Christmas shopping at the Lancaster outlets 
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