HELP My Parked Car Was Hit - Insurance Not Making Sense - No Fault

Its collision, since it is involvement with another motor vehicle. Its
definitely not comprehensive!

 

A slightly related "collision coverage" story:
My two school teacher friends owned a mobile home they lived in for a
couple years, until...
A drunk leaves the highway, drives a half mile up their dirt road driveway
and crashes into it.
Even though the mobile home was not mobile, no wheels, on blocks and tied
down...
Their homeowners insurance would not pay since it did not cover collision.

 

A slightly related "collision coverage" story:
My two school teacher friends owned a mobile home they lived in for a
couple years, until...
A drunk leaves the highway, drives a half mile up their dirt road driveway
and crashes into it.
Even though the mobile home was not mobile, no wheels, on blocks and tied
down...
Their homeowners insurance would not pay since it did not cover collision.

 

You sue both.

JT

 

You sue both.

JT

 

Reading this whole thread has made me realize how important collision is
to the insurance package. We've had our cars hit by others in the past
few years and all we have to do is take the car to the body shop of our
choice and put out the deductible. Insurance has been invaluable in
these instances.

A question has arisen though, after reading this. When you're in a
parking lot and someone grazes your car and leaves damage and no note,
isn't the comprehensive portion the part to fix up this type of damage?
Or are you SOL when this type of damage occurs if you're not carrying
collision?

 

On 17 Apr 2004 17:53:51 GMT, (QDurham) wrote:

||>They keep lawyers on full time retainer. It costs them nothing to delay and
||delay in the hope that you'll give up. Court calendars are jammed and it's
easy
||to delay and dawdle.>
||
||Last year Farmers told me that they could do nothing useful for a month as the
||lady running the show "just got married and will be on her honeymoon for the
||next month."

That's when you say "OK, I'm going to get a rental car, which I will expect you
to pay for until my car is repaired. In the meantime, I'm going to go see
K-clinic about my inability to have marital relations with my wife since the
accident">
Rex in Fort Worth

 

The only problem is that your rate will go up, correct?

Nick

 

Huh? Have you not read any other posts here from people with *experience*?
It may vary by insurance company, state or even country -- this *is* an
international newsgroup -- but I know that in NJ, when a car hits another
car which is stationary, parked in the street or a parking lot, it is
classed as collision.

Oh and BTW, collision coverage is to cover any damage you do to anyone or
anything - not just *your* car.

Rgds, George Macdonald

"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??

 

Huh? Have you not read any other posts here from people with *experience*?
It may vary by insurance company, state or even country -- this *is* an
international newsgroup -- but I know that in NJ, when a car hits another
car which is stationary, parked in the street or a parking lot, it is
classed as collision.

Oh and BTW, collision coverage is to cover any damage you do to anyone or
anything - not just *your* car.

Rgds, George Macdonald

"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??

 

Not true. I don't have collision on my car and if I hit someone my
liability coverage will cover the damage my car causes to someone elses
property. It just won't cover damage to my car.

 

Not true. I don't have collision on my car and if I hit someone my
liability coverage will cover the damage my car causes to someone elses
property. It just won't cover damage to my car.

 

George, I think your last sentence is correct; collision insurance *is*
to cover any damage *you* (or your car) does to anyone or anything, not
just your car.

In the case at hand, neither the OP nor his car did any damage
whatsoever, and collision insurance (on *his* part) should not enter
into the equation. While the incident is (generally) classed as a
collision, the coverage purchased by the OP is irrelevant - or should be.

He *will* probably have to sue the bastards in car #1 and car #2, and
the owner of car #2, and each of their respective applicable insurance
companies, unfortunately. But he stands a good chance of winning a
reasonable settlement - although that may take some time.

 

George, I think your last sentence is correct; collision insurance *is*
to cover any damage *you* (or your car) does to anyone or anything, not
just your car.

In the case at hand, neither the OP nor his car did any damage
whatsoever, and collision insurance (on *his* part) should not enter
into the equation. While the incident is (generally) classed as a
collision, the coverage purchased by the OP is irrelevant - or should be.

He *will* probably have to sue the bastards in car #1 and car #2, and
the owner of car #2, and each of their respective applicable insurance
companies, unfortunately. But he stands a good chance of winning a
reasonable settlement - although that may take some time.

 

Your rate will not increase since it's non fault and it is considered
collision. To affect your rates, you have to be deemed at least 50%
negligent. An example of someone leaving a parked car and deemed at fault is
when the person parks on a hill and does not properly secure the parking
brake or turn the wheels into the curb and the car rolls into another car.

 

It may depend on local regs but IME, when your car gets whacked by some
fool in a parking lot, who runs, the claim is against your collision
insurance if you have it... not comprehensive.

Rgds, George Macdonald

"Just because they're paranoid doesn't mean you're not psychotic" - Who, me??

 

Thanks, George. Your answer still leaves me the question of whether
comprehensive will cover this type of damage if you *don't* have
collision, though.

 

No....comprehensive will not cover this....Comprehensive is AKA Other Than
Collision on policies. The only situation that overlaps the 2 is when an
animal is struck (animal collision).....the insured can then choose between
comprehensive or collision, whichever works to the best benefit.

Thanks, George. Your answer still leaves me the question of whether
comprehensive will cover this type of damage if you *don't* have
collision, though.

 

By the way, when I have been hit by a driver who had Progressive Insurance
Co, they rushed out to my house, checked the damage, gave me a check, then,
when the body shop indicated that there was some hidden damage too, they
sent another check. They were GREAT! I would have switched, but I have
both home and car with another company and Progressive doesn't (didn't) do
homeowners.

 

By the way, when I have been hit by a driver who had Progressive Insurance
Co, they rushed out to my house, checked the damage, gave me a check, then,
when the body shop indicated that there was some hidden damage too, they
sent another check. They were GREAT! I would have switched, but I have
both home and car with another company and Progressive doesn't (didn't) do
homeowners.