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BRZ First-Gen (2012+) -- General Topics All discussions about the first-gen Subaru BRZ coupe |
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01-27-2020, 11:43 AM | #15 |
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Some of y'all are missing the point entirely in your arguments about semantics of fine print.
Here's the deal: If they break it, they buy it. Period. The end. It doesn't matter if you were driving a 1990 Honda Civic, or a 2020 Ferrari. If someone else damages your property, they owe you for the damage. It also doesn't matter what's in or ON the car. If they damage your property, they need to make you whole. It doesn't matter if you have the newest, hottest, fly-est wheels and coilovers on your car, or whether you declared that to your own insurance company, OR NOT! It's irrelevant. It doesn't matter if you had the Mona Lisa sitting in the passenger seat of your grandma's 1998 Buick. If it's damaged, they pay for it. PERIOD It's the same if someone rear-ends your car, or blows through the front wall of your home. Property is property. The ONLY limit is the limit of the insurance coverage. If the person only has a $25k policy, that's all the insurance company is on the hook for. If you have a strong case, and threaten to go to court, they might throw you $30k just to absolve guilt, but that's it. You have to sue the insured for the remainder. the fact that people don't understand this is...concerning to say the least. People think someone can wiggle out of their obligations to replace your broken property with "you didn't declare your Volk wheels to your ins co so I don't have to pay you back!" crazy... |
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01-27-2020, 01:07 PM | #16 | |
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We have what is called "no fault" insurance here. Doesn't matter who caused the accident it all goes through your own insurance company so if your policy doesn't include it you are not getting paid. I thought I was very clear in saying rules vary depending on location but I guess you figure what applies to you is the same for everybody. It ain't.
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01-27-2020, 01:08 PM | #17 |
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If you can prove they damaged it they are liable.
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01-27-2020, 01:15 PM | #18 | ||
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Hell, my cousin got hit by a car crossing the street. The driver took off. He gave them a description of the driver, vehicle, and plate number. They said since there was no injury or property damage, not their problem Quote:
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01-27-2020, 01:18 PM | #19 | |
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01-27-2020, 01:20 PM | #20 |
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In a perfect world. This one is not.
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01-27-2020, 01:21 PM | #21 | |
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01-27-2020, 04:00 PM | #22 | |
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. Like @Tcoat, I am stuck in no fault state purgatory |
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01-27-2020, 05:05 PM | #23 | |
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In all the examples of things not being paid out have been total losses though so might be different for light damage. Like @Tcoat - Florida is a no fault state.
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01-27-2020, 05:06 PM | #24 |
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And sadly I live in one the insurer of a driver arrested for a DUI and obviously charged with the accident doesn't have to pay without arbitration/court.
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01-27-2020, 06:15 PM | #25 |
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01-27-2020, 08:36 PM | #26 |
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01-30-2020, 12:01 PM | #27 | |||
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Second, here's a website talking about fault vs. no-fault states and their rules https://accident-law.freeadvice.com/...-accidents.htm And here's a quote from that website: Third, if you want to accept some bullshit excuse and get screwed, that's fine. You do you, bro. But I won't get caught being made worse off because some clown hits my shit. Someone damaging your property and not being properly reimbursed is literally against America. The Pursuit of Property is one of the inalienable rights that the Declaration of Independence and the U.S. Constitution were built on. The U.S. Constitution and Bill of Rights has several amendments and mentions in it to specifically protect citizens and their property. Yes. Quote:
If you ask them, they may give some answer such as "we only file a report if someone is injured and needs an ambulance" The truth of this can vary by state, but it is in your best interest to pressure them to write a report. It will make fighting your claim much easier. If there is no police report written, it can make it easy for the 'bad' driver to wiggle out of it being their fault, or lessen the severity of the accident. This mostly applies to accidents that 'could be argued'. For example, someone slams into your rear end at a red light, that's pretty much open and shut, but other collisions aren't as clear-cut. As a result, you will need to rely on other evidence to prove it. Dash cam footage, pictures you might take of damage on the vehicles, their testimony, etc. #2 you cousin got hit by a car crossing the street and there was no injury? That doesn't even make sense. Moving on... #3 special collector car insurance for their restored vehicles Not really the same thing... Those kinds of cars are not easily appraised, so a regular car insurance company (who specialized in insuring Toyota Corollas or similar) cannot properly gauge the value of the car. Also, collector car insurance usually means the car is rarely driven, if at all. That's why it is often cheaper. People would get this insurance for their show car, rarely driven, and it's mostly for peace of mind in case of theft, a natural disaster, or etc. Quote:
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01-30-2020, 12:21 PM | #28 | |
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