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2Addicts | BMW 2-Series forum BMW 2 Series (F22) Forum BMW 2 Series Coupe and Cabriolet (F22/F23) General Forum Intentional damage to my 228i?

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      09-10-2014, 10:39 AM   #23
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Quote:
Originally Posted by Fletch F. Fletch View Post
It IS an uninsured motorist claim... Your deductible can vary, however typical deductible for such an event is $250... BY LAW, you ARE NOT AT FAULT, therefore CANNOT raise your rates.
I'll have to check with my insurance if this is the case.

If my deductible is only $250 then I might as well go through insurance,
assuming a PDR will be $100
+ the cost to have the damaged paint fixed (if possible at all without going to a body shop).

But then again it sounds too good to be true...
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      09-10-2014, 10:44 AM   #24
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Originally Posted by hyperzulu View Post
Sorry, I guess those pics were after the buffing. So there is damage to the paint, but the PDR guys can usually make it look like new with rubbing compounds. Seriously... it's a car. Fix the dent, rub out the paint imperfection and get on with life. Why pay for SafeLease only to spend more money on fixing every ding back to perfection?
Yes there is damage to the paint.
If it was just the ding, I'd most likely just leave it.
But the paint damage just highlights the ding and screams look at me.

I don't understand how a door can leave marks like that.
It seems that something with a more rough edge hit the car.
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      09-10-2014, 12:18 PM   #25
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Sent some pics to a local PDR guy, quoted me $85. Not bad.
But now the issue is the paint.
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      09-11-2014, 01:29 PM   #26
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Quote:
Originally Posted by Fletch F. Fletch View Post
You guys are completely wrong, sorry to break the news to you.

Things vary from state to state, and you have to currently carry UM protection.

I've carried my insurance license for FIFTEEN YEARS... I practice in 9 STATES...

It IS an uninsured motorist claim... Your deductible can vary, however typical deductible for such an event is $250... BY LAW, you ARE NOT AT FAULT, therefore CANNOT raise your rates.


Thank you, and have a good day sirs.

Hopefully the OP will follow up, and if he meets the criteria and follows through you all would have just received a free insurance lesson, and he gets his car back to perfect, or as close as possible.

Look at your policies, call your insurance companies. This is a VERY common mistake people make and the insurance companies love it.

If you have a couple bucks in your pocket it's usually pointless to drive in any vehicle that's damaged by a hit and run.

I feel you folks are thinking it was damaged by a hammer, baseball bat, work boot... That would be a comprehensive claim... Completely different.


Take care.
You are sort of right - but in order to get Uninsured Motorist it would require a police report - at least it does here in Oregon. The only way this would be a Comp claim is if the object is airborne and it looks like lateral damage so it is most likely going to be a COLLISION claim.

But regardless, it's not worth filing a claim over this.
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      09-11-2014, 01:38 PM   #27
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Again... You are WRONG, since. like capitalizing things. There is no requirement that something is airborne for it to be an uninsured motorist claim.

That is completely absurd.

Comprehensive claims are from baseball bats, vandalism and things of that such, again that is not a collision claim either, it is a comprehensive claim.

Collision claims are when you know who is at fault.


Uninsured motorist claims are from hit and runs, as well as many other reasons.

I've been trying to be nice but clearly you're not getting the point. I am not sort of right I am 100% without a doubt black-and-white right.

Take care.
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      09-11-2014, 01:43 PM   #28
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I'm not gonna waste anymore my time or energy on this I've already talked to the original poster he is well aware of how it works.

For any of you that doubt. please call your insurance agent.
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      09-11-2014, 01:49 PM   #29
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Sorry, Fletch. You're not as 100% right as you say.

http://www.esurance.com/insurance-re...-motorist-myth

OP is in California.

Quote:
Another excellent reason to buy uninsured motorist coverage

Besides covering the costs involved in paying for an accident with an uninsured motorist, there's one more great reason to buy uninsured motorist coverage: hit-and-run collisions.

If your car is struck by a driver who refuses to stop and trade insurance info, uninsured motorist property damage coverage will provide full compensation for the accident, depending on your state's laws. The following states do not allow the application of uninsured motorist property damage coverage in hit-and-run collisions:
•California
•Colorado
•Georgia
•Illinois
•Ohio
•Louisiana

In those states, your collision coverage applies as it normally would.

Last edited by hyperzulu; 09-11-2014 at 02:28 PM..
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      09-11-2014, 03:06 PM   #30
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I did say. Twice... Varies from state to state.

The real issue was not wether it was allowed per state... Although... I should have followed up more (east coast here). I take that one.

But... The issue with the other cat, was what IS UM, and the differences in the TYPES of coverage.

However... Being he is in CA... That is an issue.

For the overwhelming majority of the rest of us... All still applies...

My concern was, people sometimes think it's more difficult to get things repaired... And not worth the hassle.

No reason, usually to have a brand new car... And have a dent piss you off forever.
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      09-11-2014, 03:10 PM   #31
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Quote:
Originally Posted by Fletch F. Fletch View Post
I did say. Twice... Varies from state to state.

The real issue was not wether it was allowed per state... Although... I should have followed up more (east coast here). I take that one.

But... The issue with the other cat, was what IS UM, and the differences in the TYPES of coverage.

However... Being he is in CA... That is an issue.

For the overwhelming majority of the rest of us... All still applies...

My concern was, people sometimes think it's more difficult to get things repaired... And not worth the hassle.

No reason, usually to have a brand new car... And have a dent piss you off forever.
thanks for looking out then. At least the majority will benefit, even if the OP can't.
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      09-11-2014, 05:40 PM   #32
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Quote:
Originally Posted by Fletch F. Fletch View Post
Again... You are WRONG, since. like capitalizing things. There is no requirement that something is airborne for it to be an uninsured motorist claim.

That is completely absurd.

Comprehensive claims are from baseball bats, vandalism and things of that such, again that is not a collision claim either, it is a comprehensive claim.

Collision claims are when you know who is at fault.


Uninsured motorist claims are from hit and runs, as well as many other reasons.

I've been trying to be nice but clearly you're not getting the point. I am not sort of right I am 100% without a doubt black-and-white right.

Take care.
Ha I said Comp claim not UM.

"Collision claims are when you know who is at fault."
Chill out - you're not the expert you claim to be and this statement certainly proves it.
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      09-11-2014, 05:43 PM   #33
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Quote:
Originally Posted by hyperzulu View Post
Sorry, Fletch. You're not as 100% right as you say.

http://www.esurance.com/insurance-re...-motorist-myth

OP is in California.
Thanks for recognizing bro!
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