Someone hit me at school.

[Johnny.]

I came into school early for testing this morning. After the test I got to leave school to go help out at an elementary school only to find out that someone scratched part of my bumper and dented my driver side fender.
I'm waiting for the office to get back to me now.
What do I do if they don't find who did this?

[Jesse36m3]

Originally Posted by Johnny.

What do I do if they don't find who did this?

Are you not familiar with insurance?


It's not the school responsibility to watch your car.

[Johnny.]

Originally Posted by Jesse36m3

Are you not familiar with insurance?


It's not the school responsibility to watch your car.

Not really. I'm new to all of this. I don't have the money or job to pay the deductible or anything either.
I'll basically have to report it as a hit and run and hope for the best?

[Jesse36m3]

Originally Posted by Johnny.

Not really. I'm new to all of this. I don't have the money or job to pay the deductible or anything either.
I'll basically have to report it as a hit and run and hope for the best?

Assuming you're young and on your parents policy (?) Just go into your local walk in office with them (If you have one) and show them what happened. They will give you much more accurate info than anyone here will be able to, especially because they can pull up your policy right on the computer and make a call for the best course of action.

Edit: Hoping you have comprehensive with no deductible, then everything would be covered 100% nothing out of pocket. Your rates may or may not go up depending on company.

Good luck.

[Turbo95eg6]

Originally Posted by Johnny.

Not really. I'm new to all of this. I don't have the money or job to pay the deductible or anything either.
I'll basically have to report it as a hit and run and hope for the best?

Oh, Johnny my man… More than likely you're out of luck with finding who did it, there isn't a magic fairy that pays the damage in these situations like that. Your parents will pay for it, unfortunately they'll have to take it out of your allowance for the next month or two.

On a lighter note, most of the marks can be removed with a polish by hand.

[Tcoat]

Probably $100 in PDR (Paintless dent removal), a bit of elbow grease and some polish and that will be almost as good as new. I wouldn't even consider going through my own insurance for that.

[vividracing]

Originally Posted by Tcoat

Probably $100 in PDR (Paintless dent removal), a bit of elbow grease and some polish and that will be almost as good as new. I wouldn't even consider going through my own insurance for that.

Yea I agree, I don't see any serious enough damage to require some insurance claim. A couple hundred dollars at most to get it fixed without having to take off the fenders and repaint. Because it's white colored it'll actually be easier to fix and blend in.

I personally have a $100 deductible for collision coverage with my insurance for cases like this for some jerks that hit my car, and I still only pay about $95/mo. If what happened to the OP happened to my I would make a claim just to save a bit of money.

Also to the OP, reporting a hit and run is not really going to solve anything unless you or someone got the license plate of who hit you, or a security camera feed, otherwise it's practically impossible and the police won't even try finding them without some form of evidence.

[Jfheisenberg]

What an asshole that did that... Best bet is insurance... hopefully your deductive is low.


I hate when that happens, that's why i always try to park very far away to try to prevent this from happening, you know there are always assholes/retarded drives that dont give a shit about others.

[vividracing]

Originally Posted by Jesse36m3

Assuming you're young and on your parents policy (?) Just go into your local walk in office with them (If you have one) and show them what happened. They will give you much more accurate info than anyone here will be able to, especially because they can pull up your policy right on the computer and make a call for the best course of action.

Edit: Hoping you have comprehensive with no deductible, then everything would be covered 100% nothing out of pocket. Your rates may or may not go up depending on company.

Good luck.

Actually, comprehensive coverage only counts toward anything other than another vehicle damaging yours. Vandalism or breaking into your car, to animal damage, hitting a tree, guard rail, etc. is covered under comprehensive and costs less because of the rarity of such instances (how often would someone hit a deer in their lifetime? Or be broken into?)

Collision coverage is for anything involving another vehicle, including a hit and run, and generally costs more because it's a common instance, bumping into another car in a parking lot for instance, and if you're at fault your insurance can only take the money from you, not the other car since it was your fault.

If you did find out who hit you, they would be liable for damage and could also be charged with a hit and run. In OP's case, since there is no other vehicle, he would be responsible for the deductible which is why I'd suggest not filing a claim at all and just take care of it personally.

Insurance prices are all about risk, the more expensive the coverage, the more likely it'll happen, the higher your rates, the more risky you're viewed to your insurance based on statistics. You can only be a safe driver, do your best, avoid claims and tickets and at-fault accidents for as many years as you can then when you turn around 25 (the age most insurers consider someone an adult), you can get better quotes.

[Johnny.]

Thanks for all the info everyone. Seems like the best course of action for me would be to have someone fix it with pointless dent repair and try to correct the paint myself.
Quote for the PDR was about $200 much better than the deductible.

[Zed]

Read the title and was expecting heartbreaking bully story. the trials and tribulations of a growing young teenager forced to confront his greatest fear. the soul crushing beat downs whittling our protagonist's sanity one mayweather punch at a time. the triumphant revival from the ashes and tears when the bully is finally confronted and publically defeated in an epic beyond the likes of david v goliath. the most heartwarming tearjerker of the century.

... what the hell am I doing at work? Anyways, sorry about the car paint, OP. Seems like you got a decent quote on the fix.

[dpgfunk]

Oh, little Johnny.

[JS + BRZ]

Johnny, dude.

[Turbo95eg6]

Originally Posted by Zed

Read the title and was expecting heartbreaking bully story. the trials and tribulations of a growing young teenager forced to confront his greatest fear. the soul crushing beat downs whittling our protagonist's sanity one mayweather punch at a time. the triumphant revival from the ashes and tears when the bully is finally confronted and publically defeated in an epic beyond the likes of david v goliath. the most heartwarming tearjerker of the century.

... what the hell am I doing at work? Anyways, sorry about the car paint, OP. Seems like you got a decent quote on the fix.

Quoted again, because damn.