by LifeIsGood » Tue Sep 30, 2008 07:47 pm
Yes. I know. Brutal. Harsh.
But none the less true.
If you are rockin' down the highway (my hat tip to the Doobie Brothers) and suddenly, out of nowhere, a deer jumps in front of you...
Bambi must die.
Do not swerve to avoid the cute little mammal. Run it down. Become one with Bambi. Substitute the German peace symbol with an antler.
Yes. I know. Cruel.
But consider the alternative. You could slam on your brakes forcing you to slide to the right, taking out the two cars next to you. One of those cars could catapult into the ditch on the side of the road while the other car rolls over five times and smashes into a tree.
The two people in the car that has ended up in the ditch survive. Barely. One has a broken neck and is paralyzed from the neck down. The other has to have their right leg amputated.
The single driver of the car that has ended up against the tree was killed on impact.
Your auto insurance coverages are 50/100/50.
So, boys and girls. Two choices.
1. You have been found 100% at fault in the accident. Judgement is in excess of seven figures. Not only will your paycheck will be garnished...FOREVER, but your home will have a lien placed against it. You can forget about any retirement fund. Your credit is destroyed because the judgement is entered on your credit report. That summer house on the lake? Splash around in the tub instead. That new Mercedes? Can you say Kia? Winter vacation in the snow? Scrape out the bottom of your freezer and throw it at your spouse.
I won't even mention the lifetime of guilt you will probably feel.
Or....
2. Kill Bambi. Pay your deductible and let your insurance company repair the car.
But none the less true.
If you are rockin' down the highway (my hat tip to the Doobie Brothers) and suddenly, out of nowhere, a deer jumps in front of you...
Bambi must die.
Do not swerve to avoid the cute little mammal. Run it down. Become one with Bambi. Substitute the German peace symbol with an antler.
Yes. I know. Cruel.
But consider the alternative. You could slam on your brakes forcing you to slide to the right, taking out the two cars next to you. One of those cars could catapult into the ditch on the side of the road while the other car rolls over five times and smashes into a tree.
The two people in the car that has ended up in the ditch survive. Barely. One has a broken neck and is paralyzed from the neck down. The other has to have their right leg amputated.
The single driver of the car that has ended up against the tree was killed on impact.
Your auto insurance coverages are 50/100/50.
So, boys and girls. Two choices.
1. You have been found 100% at fault in the accident. Judgement is in excess of seven figures. Not only will your paycheck will be garnished...FOREVER, but your home will have a lien placed against it. You can forget about any retirement fund. Your credit is destroyed because the judgement is entered on your credit report. That summer house on the lake? Splash around in the tub instead. That new Mercedes? Can you say Kia? Winter vacation in the snow? Scrape out the bottom of your freezer and throw it at your spouse.
I won't even mention the lifetime of guilt you will probably feel.
Or....
2. Kill Bambi. Pay your deductible and let your insurance company repair the car.
Posted: Sat Oct 04, 2008 12:18 am Post Subject:
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...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.
:oops: :lol: :oops: THAT was funny...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)...anywaystraddles 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...
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...Posted: 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.
Posted: Sat Oct 04, 2008 07:07 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...
Posted: Sat Oct 04, 2008 09:54 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).
Posted: Sun Oct 26, 2008 05:45 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.
Posted: Sun Oct 26, 2008 06:39 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.
Posted: 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.
Posted: 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.
Posted: Mon Oct 27, 2008 01:41 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).
Posted: Mon Oct 27, 2008 09:18 am Post Subject:
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.
I'm in total agreement here...and hitting an animal any animal whether they hit you or you hit their dead body is comp...to further complicate the question...if a hood come loose and hits the winshield.....comp :wink:Add your comment