So I really had bad luck this month in my new truck. I had one incident where someone side swiped me and completely took out my door on the passenger side and fender. My insurance just payed me out.
2nd incident which happened 2-3 days ago. I had a guy try driving me off the side of the road then proceed to pull up in front of me and brake check the hell out of me. I connected my bottom bumper to his. Mechanic told me my frame is bent. I’m disappointed at this situation since it all happened in one month and 15 days away from my insurance repair.
I don’t know how to proceed with this. My insurance literally gave me issues last about insurance fraud on my 1st claim simply because of the place it happened and because I didn’t get the other persons info. I’m somewhat distraught about even making a claim since I don’t want to have another investigation done on me. But my trucks frame is messed up. Should I proceed with insurance? How would this affec my rates?
Rule number one, police reports buddy.
Any time a hit and run happens it’s a police report.. at that point it doesn’t matter you didn’t get the guys info because you have the paperwork and the proof to show it’s being “investingated”
It’s kind of late now but get a dash cam and one that has the dash cam and the rear cam. It’s been the best $300 I’ve spent for my car.
I’d still file a police report. Your rate will probably go up so you may want to start shopping around for a new insurance carrier.
Bud, you gotta take a defensive driving course or something. Even if the guy stuck around it would have been your fault as the person who rear ended him.
I’d imagine if you make a claim your insurance will drop you. Your rates are already going to go through the roof. If it were me I’d just keep driving with a bent frame, but if you need, pay out of pocket. If you get it done at the same place as the door you might get a discount.
I’m in the same situation. Not hit and runs, I have their info. However I’m only 19, back is permanently screwed from wreck and I’m left with 2,000 to pay in med bills and paying out of pocket for a new car. With everything going on, and god knows how bad my rates are with 2 wrecks (both other parties deemed 100% at fault) I wish I didn’t even report it to insurance the 2nd time. If your car is driveable, I’d take the loss cause insurance fucks you and your rates in the end. But that’s coming from someone young, financially unstable now, and left with permanent physical damage from the wreck.
Sorry about your luck and your truck. I hope everything can work out for you in the end, thank god you’re alive.
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