On 6/19/2020 7:03 AM, Gary wrote:
> John Kuthe wrote:
>>
>>
https://i.postimg.cc/FzQcc5Vf/Dead-Leaf-1.jpg
>>
>> Irresponsible DRIVER kept going West on Delmar through a red light! While me and a big truck were turning left at the light! Bastard in a white car (by my eye witness and the white color of the pieces of their front end plastic which broke off!) hit me hard and fast and kept going!
>
> Be thankful that wasn't a picture of your head. Yoose should
> slow down and look before entering an intersection. Not everyone
> follows "the rules."
>
>>
>> And my Geico Uninsured motorist insurance only covers bodily damage and medical bills, but NOT car repair! That would be Collision insurance! :-(
>
Well DUH!
> That looks like minor body damage to me. They should cover it.
>
No, they won't. Liability insurance (required) provides coverage for
when you're at fault in an accident. Uninsured Motorist provides
coverage for property damage if you're hit by an uninsured driver, not
"hit & run" drivers.
Collision insurance covers exactly what it says: damage due to a
collision. It often includes a provision for car rental while yours is
in the shop. It isn't smart to not have full coverage.
My car was hit in a Walgreens parking lot some years ago. No one fessed
up to hitting it. There was a little old lady who came toddling back
towards me from the store entrance when I saw the damage and let out an
unladylike yell. (She exclaimed "It wasn't ME!" Yeah, right.) The
drivers side door and rear quarter panel were smashed. Collision
insurance covered the body work, paint job and provided me with a rental
car while the work was being done. And since it was an *unwitnessed*
accident, my insurance company (USAA) cut my deductible in half. All I
had to do was d/l an unwittnessed accident report form from the county
Sheriff's web site, fill it out, scan it and email it to the insurance
company.
Most people don't bother to read insurance policies because of all the
gobbledygook; I get that. Here's a hint: the DEC (declaration) pages
included in your policy spell out briefly but succinctly what is covered.
>> So good thing I still have my big beautiful Dodge Grand Caravan 2006 with the best sound system ever!
>
> But now you'll have to buy evil gasoline often.
>
Well hey, he's making $30 an hour now so he can pony up some cash and
get that body work done on the Leaf. Meanwhile, at least he's got his
fart-mobile to fall back on.
Jill