Deer Dan...
Mar. 18th, 2002 09:28 pmI thought I had written the first half of this story the night that it happened, but I guess I was wrong. I just told ![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
shellbell on ICQ.
Dan was on the way home from my house last Thursday night. He was driving on one of the many country roads required to get to his house (he lives in the middle of BF nowhere) when he saw two deer on the other side of the road. He slowed down to look at them and when he turned his head back there was a third one in front of him that bounced off of his hood. Smashed up his car pretty good...I'll post the pictures at the end of the entry if I can figure out how. He also killed the deer on impact, so at least it didn't suffer.
He called the insurance company the next morning and it turns out that when you hit a deer it's covered under comprehensive coverage which is good, because it's only a $300 deductible and Dan figured there was probably $1,500 to $2,000 worth of damage to his car. So he dropped it off at the insurance-recommended body shop for an estimate on Friday.
The insurance company called him back today and told him that they figured the repairs to be worth upwards of $4,000 and the worth of his car to be no more than $3,500 which in the eyes of the insurance company means "write-off". Now, looking at the photos, there's no way that this car is going to be a write off...damnit...he drove it to the garage the day after it had been hit, there is no structural damage to the frame or anything, just cosmetic body work.
He's a little upset now because he doesn't know (and neither does anyone we've talked to) what you do when the insurance company calls your car a "write-off" and you still want to keep it. Aren't they supposed to give you some money or something for it?
He thinks he can do an okay job fixing it himself, but not for free. We've got a really good junk-yard around here where you can just wander back and pick and choose parts from about 50 of your kind of car around your year. We might be able to go there and pick up a new hood and side panel (which would be at least what we'd need) for a couple of hundred dollars and then he'd get a professional to re-paint the entire car...which is only a couple of hundred dollars as well. But those things add up if the insurance company gives him nothing. I mean, what has he been paying them for all along then?!?
I just can't wait to get this sorted out, I'll keep it posted.
( See Pictures of Dan's Car )
shellbell on ICQ.Dan was on the way home from my house last Thursday night. He was driving on one of the many country roads required to get to his house (he lives in the middle of BF nowhere) when he saw two deer on the other side of the road. He slowed down to look at them and when he turned his head back there was a third one in front of him that bounced off of his hood. Smashed up his car pretty good...I'll post the pictures at the end of the entry if I can figure out how. He also killed the deer on impact, so at least it didn't suffer.
He called the insurance company the next morning and it turns out that when you hit a deer it's covered under comprehensive coverage which is good, because it's only a $300 deductible and Dan figured there was probably $1,500 to $2,000 worth of damage to his car. So he dropped it off at the insurance-recommended body shop for an estimate on Friday.
The insurance company called him back today and told him that they figured the repairs to be worth upwards of $4,000 and the worth of his car to be no more than $3,500 which in the eyes of the insurance company means "write-off". Now, looking at the photos, there's no way that this car is going to be a write off...damnit...he drove it to the garage the day after it had been hit, there is no structural damage to the frame or anything, just cosmetic body work.
He's a little upset now because he doesn't know (and neither does anyone we've talked to) what you do when the insurance company calls your car a "write-off" and you still want to keep it. Aren't they supposed to give you some money or something for it?
He thinks he can do an okay job fixing it himself, but not for free. We've got a really good junk-yard around here where you can just wander back and pick and choose parts from about 50 of your kind of car around your year. We might be able to go there and pick up a new hood and side panel (which would be at least what we'd need) for a couple of hundred dollars and then he'd get a professional to re-paint the entire car...which is only a couple of hundred dollars as well. But those things add up if the insurance company gives him nothing. I mean, what has he been paying them for all along then?!?
I just can't wait to get this sorted out, I'll keep it posted.
( See Pictures of Dan's Car )
