[s-cars] Cracked Oil Pan - insurance - more info

[chris chambers]

Mark,

Tell them yes you saw it, but it was bouncing in the road (perhaps
someone in front of you hit it before) and as such you couldn't avoid
it. Being a moving object they shouldn't cite it as an at fault
accident.

Now be forewarned, you may have to argue your point. I had a good
friend hit a 5 gallon bucket of paint that fell of the truck in front
of her. Because it was moving and off the ground they didn't cite it as
an at fault accident.

The key thing is that you have to tell them it wasn't just sitting
there in the road..they expect you to drive around it then. It wasn't
stationary, it was moving, maybe bouncing is a good description because
it implies that it was off the road.

HTH

Chris
--- Mark Pollan <mark.pollan at mci.com> wrote:
> Yep, I placed a claim on this one.  Gave them the story and
> interestingly
> enough they said that this will fall under collision coverage because
> I
> actually saw the object in the road.  Seems if I told them I did not
> see it
> they would have put this under comprehensive coverage.  Appears they
> would
> prefer that the driver not watch the road and run into whatever
> he/she
> wants.  OOps sorry, I did not see that Yukon stopped at the light.
> Comprehensive claim please.
> 
> It is all a game in my estimation and if you know the business you
> don't get
> shafted too bad when you actually need to use your insurance.
> 
> Mark
> 
> P.S.  I'm with Geico.
> 
> P.P.S.  Thanks for all that responded to my plea.
> 
>  -----Original Message-----
> From: 	chris chambers [mailto:fastscirocco_2000 at yahoo.com]
> Sent:	Friday, January 30, 2004 11:01 AM
> To:	Mark Pollan; 'Dave Forgie'; s-car-list at audifans.com
> Subject:	RE: [s-cars] Cracked Oil Pan - insurance
> 
> Mark (and everyone else),
> 
> >From an insurance standpoint they expect us to maintain 100% control
> of
> our cars and as such avoid all potholes, etc. If you file a claim
> they
> will want to find you at fault for this accident. What this would
> normally mean is an increase in your auto insurance rates.
> 
> Key point here, if the snow covered rock you hit was moving, and not
> on
> the ground in one place they consider it to be a missile. This they
> do
> not expect you to be able to avoid, and consequently you are not
> found
> at fault for this accident.
> 
> How do I know you might ask, I hit a wooden 4 x 6 bouncing down the
> highway about 2 years ago. After one year of arguing my case (on and
> off) I finally got somebody who understood the difference between a
> moving object and a pothole. Result was a refund in overpaid premiums
> and a decrease in my premium payments.
> 
> Hope this information helps others out.
> 
> Chris
> 
> --- Mark Pollan <mark.pollan at mci.com> wrote:
> > Bingo!  Driving downhill in a 45mph zone in the far right lane with
> a
> > car
> > behind me and a car on my left.  Whatcha gonna do?
> >
> > Mark
> >
> >  -----Original Message-----
> > From: 	s-car-list-bounces at audifans.com
> > [mailto:s-car-list-bounces at audifans.com]  On Behalf Of Dave Forgie
> > Sent:	Friday, January 30, 2004 1:47 AM
> > To:	s-car-list at audifans.com
> > Subject:	[s-cars] Cracked Oil Pan
> >
> > How do you crack an oil pan?  Hit a big hunk of ice in the middle
> of
> > the
> > road that turns out to be a snow covered rock?  (BTDT - only two
> > right
> > side wheels and tires).
> >
> > Dave F.
> >
> > _______________________________________________
> > S-CAR-List mailing list
> > S-CAR-List at audifans.com
> > http://www.audifans.com/mailman/listinfo/s-car-list
> >
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> 
> 
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