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Thread: Dammit. Damage to my car in the lot.

  1. #1
    Featured Member lolagetz's Avatar
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    Thumbs down Dammit. Damage to my car in the lot.

    So tonight at work, apparently some customer's angry ex girlfriend showed up and decided to mess up his car... which was conveniently parked right next to mine. While she was going to town on his car, one of the bricks she'd thrown bounced off and knocked off most of my driver's side mirror. I was able to piece it together again, but it's all cracked and parts that were completely shattered are missing. Urgh. The manager tried to be helpful and stuff... They didn't catch the girl. Do I just have to call my insurance and report a hit and run? Even if it won't cost very much to repair, I shouldn't have to pay for it, right?

    You want to know the best part? The doorman was out front, watching all of this. He was standing right there. What did he say when I asked him why he didn't try to stop her? "Dude, she was a crazy lady with a crowbar and bricks, and she wasn't going after my car, so I didn't want to get involved." WTF? It's your JOB to get involved. Anyway. Hmph. And I still tipped the coward.

    Any advice on what I should do? I could drive around like this if I really needed to.. But I love my car and I keep it nice, it's a 2006 and I just paid it off a few weeks ago. Will my insurance (Progressive) help me at all?

  2. #2
    Veteran Member TheLioness's Avatar
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    Default Re: Dammit. Damage to my car in the lot.

    That sucks I know you don't want to pay for it yourself, and you shouldn't have to. But, there are things to consider. You probably have a deductible on your insurance policy that has to be met before they pay for anything, usually between $200-$500.
    You will also get better premiums in the future if you don't have any claims.

    My advice is to get a couple of estimates yourself to see how much it would be to repair the damage. Then find out what your deductible is. Depending on what the difference is, you can then decide whether to pay it out of pocket or turn it in as a claim. Just for example, if your deductible is $200 and you have a repair estimate of $225, I personally would not turn that in to the insurance company, because you're still going to have to pay $200 of it, and then you also have a claim which means higher premiums in the future.

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    God/dess Andygirl's Avatar
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    Default Re: Dammit. Damage to my car in the lot.

    I'd go get an estimate before reporting it to insurance. It could make your rates go up. Something like that shouldn't be too much to repair. If you have a good mechanic, take it to him and ask his opinion.
    Check out my new eBay auctions.......

  4. #4
    BrunetteGoddess
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    Default Re: Dammit. Damage to my car in the lot.

    A side mirror is really quite simple to repair yourself. You could try looking in the junkyard; they usually actually do have good parts. Only thing to worry about is painting it.

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    God/dess
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    Default Re: Dammit. Damage to my car in the lot.

    almost the same thing just happened to my car.. except it was meant to be done to my car. i reported a hit and run to the police, and i did report it to insurance. my insurance company (state farm) told me that it was good that i reported it to the police, as now my rates won't go up. but i reported mine because it was meant to be done to me.

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    Default Re: Dammit. Damage to my car in the lot.

    Sorry about your car, that seriously sucks.. That bouncer/outdoor guy really needs to find a new job if he " dosen't want to get involved"

  7. #7
    God/dess Sirona's Avatar
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    Default Re: Dammit. Damage to my car in the lot.

    I had someone shoot out two windows in my car with a BB gun one time... and I had no glass coverage. I feel you pain.



  8. #8
    Featured Member lolagetz's Avatar
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    Default Re: Dammit. Damage to my car in the lot.

    Thanks for all your replies I'm leaving in a few days and I'll be out of the country for 2 months, so I'll just deal with it when I get back... Gonna try to have my dad order the part and fix it for me.

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    Veteran Member toomuchhomeworklately's Avatar
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    Default Re: Dammit. Damage to my car in the lot.

    I knocked off one of my side view mirrors a few years ago pulling out of my parents' garage. It was only $100 to fix so I didn't report it. I believe it falls under your "comprehensive" insurance, not your collision, since it was technically vandalism. Hopefully your dad could fix it.

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    Veteran Member Alexis81's Avatar
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    Default Re: Dammit. Damage to my car in the lot.

    Heres what you need to do. Get estimates from different garages, then keep a copy of the bill and refuse to tip the doorman until the damage is paid for. ex.. if it costs $200 and you normally tip him $10 a night then tell him you are not tipping him out for the next 3 weeks (or however often you work)

    anyway sorry if this didn't make much sense, i'm tired and cranky
    Alexis



  11. #11
    Banned gingerlee's Avatar
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    Default Re: Dammit. Damage to my car in the lot.

    Things like this are the reason I have a 'strip club car'. I used to drive my Corvette to work, but I stopped doing it when the manager told me people would fuck with it. Same thing with my truck, I quit driving it to the club.

    I got a Ford Taurus to drive to bookings now, knowing other people won't know I bought it because it was going to get fucked with. It made it about 2 weeks before somebody keyed 'bitch' into the trunk.

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