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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance.
#20212601 - 07/01/14 08:35 PM (9 years, 7 months ago) |
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Last night some dickwad (or maybe my ex) damaged my girl's new car by trying to pry her door open with some sort of tool. The upper corner of her door is now bent to shit outwards and there is no longer any seal or protection from rain and such... So, I have renters insurance and we both have auto insurance. To anyone's knowledge, will renters insurance typically cover that sort of issue? We'll have to check the deductibles of my insurance vs her car insurance, but I'd like to file it with my company because if the rates go up on my insurance, it's not that big of a deal because it's already pretty cheap
Anyone know about insurance and willing to lend a word or two? Thanks in advance .
Edited by shLong (07/01/14 08:42 PM)
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pfxtc
RUEXP?


Registered: 11/15/08
Posts: 21,166
Loc:
Last seen: 8 years, 5 months
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: shLong]
#20212656 - 07/01/14 08:45 PM (9 years, 7 months ago) |
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I doubt renters insurance would cover it. That's more for actually stolen goods. Worst case I think is you end up paying your deductible to have it repaired. Best case you call your insurance and ask, and your renters insurance covers it! I've FUCKED my car before, paid the deductible, and my insurance went down the next term. Using your insurance doesn't automatically mean an increase.
-------------------- koods said: Young male going by the name "Bassfreak" entered Worcester General complaining of a sharp pain in his buttock region after attending EDM event. Attending physician considered a possible diagnosis of acute rave anus, but upon further investigation it was determined there was nothing cute about patient's anus. Life-long trip report
Edited by pfxtc (07/01/14 08:46 PM)
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Beefalo
Strangest

Registered: 06/27/14
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Last seen: 9 years, 5 months
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: pfxtc]
#20212724 - 07/01/14 09:00 PM (9 years, 7 months ago) |
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Damn, that sucks.
Best way to find out is to call insurance and ask.
not sure if your renter's insurance covers something parked outside.
Mine sure as hell didn't cover the parking lot outside my complex when a similar thing happened.
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March Hare
Stranger


Registered: 06/26/14
Posts: 315
Last seen: 9 years, 7 months
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: Beefalo]
#20212741 - 07/01/14 09:04 PM (9 years, 7 months ago) |
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That has got to be the dumbest shit I've seen in a minute. Prying a fucking door open? Lol. That person needs to google.
As for the insurance, I doubt your renter's insurance will cover it.
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Beefalo
Strangest

Registered: 06/27/14
Posts: 153
Last seen: 9 years, 5 months
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: March Hare]
#20212747 - 07/01/14 09:06 PM (9 years, 7 months ago) |
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Looks like they got it open enough to get a slim jim or a coat hanger in there. I wonder why they stopped.
Maybe someone scared them off.
Next shitty apartment I get is going to have a camera pointing at my car.
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: Beefalo]
#20212912 - 07/01/14 09:41 PM (9 years, 7 months ago) |
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Yeah.. It looks like it'll need to be her autothat covers it. I think it's a $250 deductible.
Fucking stupid ass piece of fucking schmuck asswipewmotherfuckers
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pfxtc
RUEXP?


Registered: 11/15/08
Posts: 21,166
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: shLong]
#20212924 - 07/01/14 09:44 PM (9 years, 7 months ago) |
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Quote:
shLong said: Yeah.. It looks like it'll need to be her autothat covers it. I think it's a $250 deductible.
Fucking stupid ass piece of fucking schmuck asswipewmotherfuckers
$250 isn't too bad. I crashed my car into a stupid fucking curb in the middle of a parking lot while 'detoxing' from caffeine and had to pay $1000 .
-------------------- koods said: Young male going by the name "Bassfreak" entered Worcester General complaining of a sharp pain in his buttock region after attending EDM event. Attending physician considered a possible diagnosis of acute rave anus, but upon further investigation it was determined there was nothing cute about patient's anus. Life-long trip report
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: pfxtc]
#20212958 - 07/01/14 09:51 PM (9 years, 7 months ago) |
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Weak... Anywho.. This sounds more like a Wednesday problem. I'll deal with it tomorrow.
Thanks for the replies, everybody
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pfxtc
RUEXP?


Registered: 11/15/08
Posts: 21,166
Loc:
Last seen: 8 years, 5 months
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: shLong]
#20212969 - 07/01/14 09:53 PM (9 years, 7 months ago) |
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Quote:
shLong said: Weak... Anywho.. This sounds more like a Wednesday problem. I'll deal with it tomorrow.
Thanks for the replies, everybody
Shit man, this actually sounds like a next Monday problem .
-------------------- koods said: Young male going by the name "Bassfreak" entered Worcester General complaining of a sharp pain in his buttock region after attending EDM event. Attending physician considered a possible diagnosis of acute rave anus, but upon further investigation it was determined there was nothing cute about patient's anus. Life-long trip report
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Shroomism
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Registered: 02/13/00
Posts: 66,015
Loc: 9th Dimension
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: shLong]
#20213154 - 07/01/14 10:35 PM (9 years, 7 months ago) |
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That would be your auto insurance. And who the fuck tries to pry a door open? lol
Have an auto body shop or two check it out, if quote is about the same as deductible or less then just have them fix it. If it is way way more then go through insurance and pay deductible, your rates MAY go up if you do though, so only do it if you need to.
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spore baby



Registered: 07/30/13
Posts: 4,918
Last seen: 8 years, 7 months
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: shLong]
#20213578 - 07/02/14 12:36 AM (9 years, 7 months ago) |
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Option A:
Call insurance from an anonymous phone and ask them if they cover stuff like that. If so then go see your insurance and collect.
Option B:
If they say no. Hang up the phone and wipe the receiver. Then, wait till night fall and drive the car to a gravel pit, smash the driver's window and torch the car.
The next morning, call the cops and say it's stolen. 
Hope for the best.
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March Hare
Stranger


Registered: 06/26/14
Posts: 315
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Re: Need insurance info... Girlfriend's car damaged parked in my driveway. Have renter's insurance. [Re: Beefalo]
#20213613 - 07/02/14 12:48 AM (9 years, 7 months ago) |
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Quote:
Beefalo said: Looks like they got it open enough to get a slim jim or a coat hanger in there. I wonder why they stopped.
Maybe someone scared them off.
Next shitty apartment I get is going to have a camera pointing at my car.
Nah, it was a dumbass/kid/crackhead. A slimjim goes in the window, you just slide it down and pull up on the ... um. Nevermind.
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