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Single car accident - insurance claim question


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10 replies to this topic

#1 of 11 OFFLINE   Patrick Sun

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Posted December 06 2009 - 04:30 AM

Long story short: Have had a lingering cough with coughing fits here and there.  Last night, I ate a sandwich for a quick dinner while parked in my car.  On the last bite, I started to pull out of the parking lot, and a coughing fit manifested itself, and the combination of food and phlegm clogged up my airway, and I blacked out until my car hit the median divider of a highway (yes, my car went across 3 lanes of traffic untouched), the collision spun my car leftward, so I was going in the same direction of traffic on the other side of the highway.  I woke up in time to see a lot of headlights, but I quickly spotted a left turn lane to get out of any more traffic, and then I turned into another parking lot and noted my car now pulled to the left.

So, the damage sustain is mainly front-end-related.  My left tire is flat, my right side of my wraparound "bumper" is loose and cockeyed, and I was leaking either windshield fluid or antifreeze.  I limped home on a flat tire for a couple of miles.  My car alarm acted funny, going off shortly after I "disarmed" it, but it stays quiet when I arm it.

My question is: is this sort of single-car accident covered by my comprehensive aspect of my car insurance, or the collision side of it?  I'm afraid to make a claim, but if the cost of repairs is half the cost of my car, I'd rather take the rate hike (or even the possibility of policy cancellation, and shop for another insurance provider if it comes to that) because finances are tight, and this would make it even more tighter.


I realize I'm lucky I didn't get T-boned, nor cause others to get hurt (I checked the area, and didn't see anyone on the side of the road with their cars).  So, glad I'm alive, nothing physically hurt, just my car, and my pocketbook.


"Jee-sus, it's like Iwo Jima out there" - Roger Sterling on "Mad Men"
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#2 of 11 OFFLINE   Michael_K_Sr

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Posted December 06 2009 - 08:10 AM

One of my friends was in a single car accident two years ago and it was processed as a collision claim. His premiums took a big jump afterwards.

#3 of 11 OFFLINE   Jim Mcc

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Posted December 06 2009 - 08:59 AM

I agree. It will be a collision claim(because it was driver error), not comprehensive.

#4 of 11 OFFLINE   Joseph DeMartino

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Posted December 06 2009 - 09:59 AM

Dear Mr. Woods:

Not sure who you think you're fooling with this "Patrick Sun" identity and the nonsense about the sandwich, but yes, the accident itself will be covered by your collision policy.  The broken windows and the replacement golf club would fall under your comprehensive coverage. 

Hope this helps.

Sincerely,

Your Allstate Agent


#5 of 11 OFFLINE   Patrick Sun

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Posted December 06 2009 - 10:31 AM

What's the best strategy to get estimates for the repairs?  I hate the thought of paying out $50/$75 per tow from collision repair place to the next one.  

I did go back to the scene of the accident, and the concrete divider was bevelled, so it was easier for my tires to ride up on top of it, but not before it scraped a bit of concrete from the divider with the bottom side of my car.  I think I also knocked sideways a single vertically mounted yellow plastic shaft, but the distance from the curb scrapings doesn't quite make sense unless I hit it with my driver side rear view mirror.

"Jee-sus, it's like Iwo Jima out there" - Roger Sterling on "Mad Men"
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#6 of 11 OFFLINE   LewB

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Posted December 07 2009 - 12:06 AM

Glad you are OK.
If you have an insurance agent, give him/her a call.  They are usually quite helpful and sympathetic to your needs.
They should be able to give you options on how to proceed, without telling the 'home office' unless you wish to file a claim.


#7 of 11 OFFLINE   brokenjay

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Posted January 27 2010 - 05:09 PM

We might have to think that in a car accident, then it is very likely that your insurance claim will not be paid, whether you will actually need to have these aspects covered.  If your single car accident  was due to sliding off an icy road. You might have to assume that you have a collision as well as comprehensive. file:///C:/DOCUME~1/comp5/LOCALS~1/Temp/moz-screenshot.jpg"><img alt=seo services

#8 of 11 OFFLINE   DaveF

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Posted January 28 2010 - 12:59 PM



Quote:
Originally Posted by Patrick Sun 

Long story short: Have had a lingering cough with coughing fits here and there.  Last night, I ate a sandwich for a quick dinner while parked in my car.  On the last bite, I started to pull out of the parking lot, and a coughing fit manifested itself, and the combination of food and phlegm clogged up my airway, and I blacked out until my car hit the median divider of a highway

Patrick, I'm just  glad you're alive. That's a chilling tale. Best of luck with the insurance issues.



#9 of 11 OFFLINE   Patrick Sun

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Posted January 28 2010 - 03:39 PM

I ended up just biting the bullet and paying for the repairs myself.  Just glad the month of December, 2009, is over and in my rear view mirror.
"Jee-sus, it's like Iwo Jima out there" - Roger Sterling on "Mad Men"
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#10 of 11 Guest__*

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Posted February 12 2010 - 04:54 PM

Little late here, but I worked for a major auto insurance company. Just use this for future reference: Comprehensive only covers damage caused by nature (i.e. a limb from a tree falls on your car, or a rock from a city truck hits your windshield.) Anytime you make contact with another vehicle or hit property it would be collision and you would pay whatever collision deductible is required on your policy.

#11 of 11 OFFLINE   zee11

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Posted November 29 2010 - 12:45 AM

Thanks for demography time to allotment this claimed angle that not alone we as individuals should heed, but organizations as well.

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