At my aunt and uncles for bbq storming outside and this happened. Anyone know, would this be covered under my car ins, aunt homeowners or both? I have regular car ins on the car. I do have compehensive with full glass on the car. Windshield is smashed, not sure yet on body, have to get tree of first. If I want this towed back to my house, would geico cover that or I have AAA plus.
Sorry to see that Zach. Regular insurance won't cover that, comprehensive would I believe, but that will total the car easily and that's all regular insurance will pay. Collector car insurance would have been a lot better. I wouldn't even involve the insurance company. Get it towed back to your house with AAA+ and go from there.
very fixable..looks uglier than it really is...i know you feel bad and it looks bad..but its very light and will fix if you like the car... you are fortunate it hit the cowl...and not the roof..a roof hit would kill it...
I can't tell if the windshield frame got bent or not. I think the dash frame bent down almost an inch. Another piece of info, I believe the tree was technically on town,county property as it was just off the road and my uncle said they have 14' from edge of road.
Yeah, roof got spared. I'm wondering if I should just make a glass claim? Anyone know, do I have to call insurance now, or could I AAA back home. Then I could get the trim off and see if the frame actually bent or not and if it looked ok, then call it in and the glass replaced if possible.
So sorry for you . . . (Re: So a tree fell on my car!) Dear Zach and V-8 Buick cargivers, So sorry that you car had to take a hit like that. I've been in a similar place and even if you can put the car back together - it really hurts to see it like that. :ball: All I can offer you is sympathy . . . Edouard
So I put an initial report into Geico. I left the car at my aunt's for now, they lent me a car to drive home. I'm thinking of just doing a glass claim for now and then see when the glass people come, I assume they will be able to tell if they can put the glass in or if the body bent and they can't. Basically I feel I am at the point where no mater if the windshield frame is bent or not, if I put a full claim in for the glass and hood, they'll just total it. But if I just do the glass claim and the windshield frame is not bent, then I think they would cover it. A windshield replacement wouldn't total it, would it?
If they total it, would you want to buy it back and fix it? Maybe you could go that route Sent from my iPhone using Tapatalk
If the dash is bent down the cowl has to be tweaked as well. Get a quote from a good body shop and really put it to the insurance company.
Depends on your state laws, first off if they come out and look at it and total you have a couple options, 1 if they deem it a total loss since you own the car you can say thanks for your time and don't process the claim, but since its a state owned tree they will more than likely tell you , to contact the state, 2 if they do total it you can most certainly buy it back minus what they feel salvage auction sale price would be and title would then be re processed as a Salvage. Also states vary as to how much damage totals a car ie percentage of total value, here in SC it takes 70% NC is like 55%. I'd call GEICO and see who is going to be responsible its not you either way but getting any state to do what's rite is all but impossible. If you have Collision they may would pay and then just go back on the state in court possibly, either way I'd call and have a full appraisal done just because its maybe totaled doesn't mean they have to process the claim and total it just because they seen it, if there was a lien on it, that would be different
They would likely go back and do this even if they covered it under comprehensive. Either way the proximate cause of the loss is the state owned tree.
Oh, so you WANT to pay more for insurance by screwing the insurance company? With most carriers, if they just break even with underwriting, that's a pretty good year ($1 paid out for every $1 taken in including expenses). The insurance company only owes the cost of repairs OR the Actual Cash Value of the vehicle. Since the OP has already stated he has GEICO and not a stated or Guaranteed Value policy from a specialty carrier (Hagerty, etc), his carrier will only pay the ACV of the car which is VERY debatable now. Hindsight says he should have had the car covered by Hagerty or such.
