or the way I always remember it, if it hits the ground then the car.

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PostPosted: Thu Oct 02, 2008 11:02 pm   Post subject:   

Wow I wonder if it still applies if you ran over the deer? You would still think it would be covered under comp.

Lori, alot of I hit the deer goes on around here also. I know people that have actually thrown a deer carcus into their vehicle so it looked like they hit it. Pretty discuting (and probaly smelly too). I imagine they had a high collision deductible to actually go pick up a dead deer and throw it into their car. One word comes to mind...YUCK>

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PostPosted: Fri Oct 03, 2008 9:33 am   Post subject:   

Quote:
I once spent two hours looking for a single piece of evidence to substantiate that a totaled vehicle came into contact with a deer.
Me too Mike...not two hours, but a good one, about five times, course had couple techs helping too...eventually though I 've always found it if it was the truth..



Life is right..it's collision...ANYTHING already on the roadway that you hit is collision..however...I have seen some policys that say...''collision with an animal'' under their comp definition....one 'might' be able to debate it..unless there is a definition for that..which I have also read in some policys that define it as 'collision with an alive animal''


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PostPosted: Fri Oct 03, 2008 10:01 am   Post subject:   

It's not just the deductible that causes dishonest people to claim deer hits...they typcially are not a chargeable accident, thus no rate increase, where a collision would be...



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PostPosted: Fri Oct 03, 2008 1:58 pm   Post subject:   

Wait a minute.....when it comes to insurance claims...some people are dishonest?



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PostPosted: Fri Oct 03, 2008 3:13 pm   Post subject:   

Quote:
define it as 'collision with an alive animal''




Is an "alive animal" one that has a zest for life and full of exuberance as opposed to one that is generally depressed? I know you meant live animal, but that conjures up this scenario.



Adjuster: How do you know it was alive when you hit it?



insured: We held a mirror on a stick under it's nose and it was still breathing and we poked it with a stick and it moved. I am pretty sure it was alive. My wife has a picture on her cell phone somewhere.



What's scary is that there are people out there in some parts of the country that wouldn't think twice about resuscitating a deer they had hit already on the road to qualify for comp coverage under that definition.





I have always been told that if its in the air or falling it's comp if it's already in the road dead its a collision.


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PostPosted: Fri Oct 03, 2008 3:27 pm   Post subject:   

This happened long before I was in the insurance biz - also when I was young and single. I was sitting at a red light when a quite attractive young women pulled up next to me. I looked over and smiled...She smiled back.



I was getting ready to ask her for her number when I heard a loud "boom" and she began to scream hysterically.



A seagull had plummeted out of the sky and landed on her front hood. Bird guts and feathers everywhere, huge dent in the hood, she is screaming like a lunatic.



I would have loved to stayed and help her but the light turned green and there were cars honking behind me. By the time I could get over to the side, there was already a police car helping her.



Probably scared her for life.



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PostPosted: Sat Oct 04, 2008 12:18 am   Post subject:   

Quote:
I have always been told that if its in the air or falling it's comp if it's already in the road dead its a collision.
That's right Mike...or the way I always remember it, if it hits the ground then the car...collision if it hits the car then ground....comp...
Quote:
Is an "alive animal" one that has a zest for life and full of exuberance as opposed to one that is generally depressed? I know you meant live animal, but that conjures up this scenario.
EmbarassedLaughingEmbarassed THAT was funny...
Quote:
What's scary is that there are people out there in some parts of the country that wouldn't think twice about resuscitating a deer they had hit already on the road to qualify for comp coverage under that definition
You're right...true story (sad) big country girl hits deer..deer is suffering on the side of the road...girl wants to help..has no gun but does have a giant buck knife (for you non-red necks...not a pun it's a big knife)...anyway

straddles the deer to cut it's throat ending it's misery...deer flinches...knife slips, hits her fimeral (not sure how to spell that) artery in her thigh, and she dies in minutes...awful awful but true...yep, i handled the claim...
Quote:
I was sitting at a red light when a quite attractive young women pulled up next to me. I looked over and smiled...She smiled back
I had a claim with a very honest young man one of my favorite claims..he was car flirting like you, only apparenty out of his side vision thought traffic ahead of him moved...bam, ran right into the guy in front of him...what an impression he made...atleast he told me the truth...I ask if he atleast got her number, said he was too embarrassed, she drove off laughing...


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PostPosted: Sat Oct 04, 2008 12:32 am   Post subject:   

I had a claim with a very honest young man one of my favorite claims..he was car flirting like you, only apparenty out of his side vision thought traffic ahead of him moved...bam, ran right into the guy in front of him...what an impression he made...atleast he told me the truth...I ask if he atleast got her number, said he was too embarrassed, she drove off laughing...

I am literally dying with laughter here. I would imagine she would have had a hard time holding back her own laughter.

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PostPosted: Sat Oct 04, 2008 7:07 pm   Post subject:   

Here is one - nothing to do with insurance but very embarrassing.



Driving down the freeway....cute girl in the car next to me. We're eyeing each other..little smile...wave...



A small (shoebox size) box flys out of the truck in front of me and heads for my car. I'm in a Pinto Wagon (hey how, in Southern California in the late 70's, that car was the bomb). The box flies toward me and I throw my arms in front of my head and kind of scream.



I'm inside the car. The box is outside the car.



The ...SMALL...box is outside the car.



Needless to say...



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PostPosted: Sat Oct 04, 2008 9:54 pm   Post subject:   

Thats funny. I am laughing because of how many times I can remember fliching when something comes flying at the windsheild...be it a bitd, bitterfly or even once an actual cd. I think it is an automatic response to put up your hands to gaurd your face or head. Just ask me I know, thats what got me into my predicterment (sp?). I seen the car was gonna hit me and put up my arm to block the airbag from hitting my face (I know dumb me)....I got my jaw dislocated by my arm and unrepairable nerve damage and RSD to my arm. So don't feel so embarrassed it is an automatic reaction and yes embarassing. (I am laughing).

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PostPosted: Sun Oct 26, 2008 5:45 pm   Post subject:   

Mike, actually it's still a comprehensive loss. Comprehensive reads, impact with an animal. Any grey area goes in favor of the insured.



LIG, a tire is not an animal, so it's going to be collision unless it's a flying through the air. Who ever told you about "1st impact" was incorrect. If it's laying in the road, it's collision.

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PostPosted: Sun Oct 26, 2008 6:39 pm   Post subject:   

That is what I said. I agree. Laying in the road is collision.



If it flies off the truck and directly into your car, comprehensive.



1st impact: Truck to road to car - collision

Truck directly to car - comprehensive.



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PostPosted: Sun Oct 26, 2008 11:11 pm   Post subject:   

Mike was only talking about an animal. Hitting an animal is a comprehensive loss, no matter what. You mentioned hitting a tire. If it's on the ground, it's collision. If the tire is in the air it's comprehensive. Hitting it first, second, fiftieth won't make any difference.

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PostPosted: Sun Oct 26, 2008 11:54 pm   Post subject:   

Sigh.



Fine.



My insurance company was wrong when they handled my claim that way.



And my insurance company was wrong when they handled three of my client's claims that way.



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PostPosted: Mon Oct 27, 2008 1:41 am   Post subject:   

I'm not sure what to tell you but yes, if they have a rule for counting the number of vehicles that hit a tire in order to change from comprehensive to collision, then they were wrong.



To prove this point very clearly, have them point out in the policy where it states the 1st impact is comprehensive and everyone after that is collision. Make sure no one holds their breath waiting for the answer.



Bottom line... and the policy is very clear on this... it's a collision if the vehicle collides with the object and the 7 (or so) named perils under comprehensive coverage (flying object and animal in this case) do not apply.



Basically for a tire, the adjuster really needs to know where the point of impact to the vehicle was (and of course, the drivers statement).

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