Automoabile insurance

Submitted by yogesh0505 on Tue, 09/23/2008 - 02:43

2 months before i bought a bike and unfortunately it got a scratch on headlight ,and iwant to replace headlight but the company by which it was insured said that it was just a minor accident and they refused to give the claim money

Posted: 23 Sep 2008 03:44 Post Subject:

Okay... lets start with what happen and who's insurance is denying the claim (your brothers or the other parties). I'm guessing someone else caused the damage and their insurance company is stating that the damage is so minor they won't issue payment. If this is correct, they should consider an "appearance allowance". That is, they _do_ owe something if damage occured but replacing the entire light would place your brother in a much better situation then he was prior to the accident.

Posted: 23 Sep 2008 07:50 Post Subject:

I must have missed another post or something (based on tcope talking about a brother ...). However, maybe the insurance company suggested not claiming because the damage was less than the deductible?

Posted: 23 Sep 2008 09:26 Post Subject:

I'm thinking it was below the deductible also. But..one thing..." 2 months before I bought a bike..." Before he bought it? He does mean after?

Posted: 23 Sep 2008 09:36 Post Subject:

how much does fixing the headlight cost? would it be worth it to even go through insurance? it seems fixing it by yourself would save you money and the hassle.

Posted: 24 Sep 2008 10:38 Post Subject:

how much does fixing the headlight cost? would it be worth it to even go through insurance? it seems fixing it by yourself would save you money and the hassle.

Depending on the vehicle and the type of h/lamp could be anywhere from 70 bucks to 1200.00 or more for a headlamp...

I think Tcope got a post in the wrong thread...if another party caused the damage and could be proven then they owe the cost of the repair or replacement...most likely as mentioned prior it was a collision or comp loss and the damage was less than the deductible..."IF" there is anything to this OP's post to begin with. :roll:

Posted: 25 Sep 2008 04:20 Post Subject: insurance

The above post din't make any sense to me, either. "...before he bought it,,," If it was just a headlight, i don't think I would put a claim in. However........was it broken from a result from an accident? This isn't very clear to me. Can you explain?

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