# Who Knows Insurance **URL:** \ **Category:** SON240sx Automotive\ **Created:** [March 19, 2010, 11:04am UTC](https://forums.speedlife.net/t/who-knows-insurance/151823 "2010-03-19T11:04:25Z")\ **Posts on this page:** 12\ **Page:** 1
**Author:** ![OneEightZero](https://avatars.discourse-cdn.com/v4/letter/o/c6cbf5/32.png) [@OneEightZero](https://forums.speedlife.net/u/OneEightZero)\ **Post date:** [March 19, 2010, 11:04am UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/1 "2010-03-19T11:04:25Z")
Hey, I’m just wondering wat insurance will do. I had my car parked on the road last night, and when I went out to warm it up this mourning I realized Someone had hit my car in the rear left quarter and smashed the fender in past and against my wheel. The car isnt driveable without ripping my tire to shreds. What do you think insurance will do, Will they take my car? ☹ ---
**Author:** ![spencer87](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/spencer87/32/5774_2.png) [@spencer87](https://forums.speedlife.net/u/spencer87)\ **Post date:** [March 19, 2010, 11:09am UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/2 "2010-03-19T11:09:54Z")
Shitty, good luck with the claim. whats your deductible? Estimated repair costs? Effect on insurance (if they cover it)? These are some of the things I would consider. ---
**Author:** ![izzo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/izzo/32/5769_2.png) [@izzo](https://forums.speedlife.net/u/izzo)\ **Post date:** [March 19, 2010, 11:45am UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/3 "2010-03-19T11:45:01Z")
pay your deductible. even if you have liablily only!!! they ll fix it for sure… and your primium wont go up since its your first non at fault accident / damage. they covers it up to 2 or 3 times. just call your broker 😃 ---
**Author:** ![GTS](https://avatars.discourse-cdn.com/v4/letter/g/82dd89/32.png) [@GTS](https://forums.speedlife.net/u/GTS)\ **Post date:** [March 19, 2010, 11:57am UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/4 "2010-03-19T11:57:41Z")
If you don’t know about insurance, please don’t misguide people who are looking for help - it causes myths and people get outrages ideas, in addition, if it doesn’t work out in their favour based on inaccurate advice, they think they’re ‘getting screwed.’ Consider whether or not you can fix the damage yourself. If you can afford to fix the damage yourself and incur all the costs (towing + fixing), then there’s no need to put in a claim. If you do need to put in claim, then contact your broker and advise them. OR, if you’re insured with a company that uses call centres instead of brokers…well, good luck with that. Assuming you have comprehensive coverage, this ‘hit-and-run’ should likely fall under comprehensive. Making this claim will likely increase your premium at renewal. Find out how much your deductible is as it will help you determine your decision based on what you can afford. If it costs $500 to fix (and you can afford to fix it yourself) and your deductible is $500, it would not make sense to put in a claim. ---
**Author:** ![izzo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/izzo/32/5769_2.png) [@izzo](https://forums.speedlife.net/u/izzo)\ **Post date:** [March 19, 2010, 2:38pm UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/5 "2010-03-19T14:38:01Z")
ic so i guess hit and run doesnt fall under non at falut claim eh? 180 my bad for wront info. i thought hit and run falls under non at falut lol. ---
**Author:** ![OneEightZero](https://avatars.discourse-cdn.com/v4/letter/o/c6cbf5/32.png) [@OneEightZero](https://forums.speedlife.net/u/OneEightZero)\ **Post date:** [March 19, 2010, 5:11pm UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/6 "2010-03-19T17:11:23Z")
So, im just going to pay for it myselfm i dont wana risk it through insurance ---
**Author:** ![Wongger](https://avatars.discourse-cdn.com/v4/letter/w/41988e/32.png) [@Wongger](https://forums.speedlife.net/u/Wongger)\ **Post date:** [March 19, 2010, 5:41pm UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/7 "2010-03-19T17:41:23Z")
You can always just call them and ask. They wont be assholes. Its not like you did anything wrong. Just ask if they will cover it, if your premium will increase, or anything else you want to know. Just cause you call them doesn’t mean you want them to fix it. ---
**Author:** ![Cal-SoY](https://avatars.discourse-cdn.com/v4/letter/c/91b2a8/32.png) [@Cal-SoY](https://forums.speedlife.net/u/Cal-SoY)\ **Post date:** [March 19, 2010, 9:58pm UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/8 "2010-03-19T21:58:48Z")
look for witnesses? ask your neighbors. I have been victim of hit and run before, but someone got the dude’s license plate. ---
**Author:** ![OneEightZero](https://avatars.discourse-cdn.com/v4/letter/o/c6cbf5/32.png) [@OneEightZero](https://forums.speedlife.net/u/OneEightZero)\ **Post date:** [March 19, 2010, 10:49pm UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/9 "2010-03-19T22:49:36Z")
^ Lucky motha fucka lol,i cant afford raised insurance, so ill be paying for it ---
**Author:** ![jzavalinsk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jzavalinsk/32/5713_2.png) [@jzavalinsk](https://forums.speedlife.net/u/jzavalinsk)\ **Post date:** [March 20, 2010, 2:20am UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/10 "2010-03-20T02:20:26Z")
I’ve learned from dealing with insurance, its usually best to not involve them unless it’s really necessary. Take the hit, park your car in the driveway next time. ---
**Author:** ![OneEightZero](https://avatars.discourse-cdn.com/v4/letter/o/c6cbf5/32.png) [@OneEightZero](https://forums.speedlife.net/u/OneEightZero)\ **Post date:** [March 20, 2010, 10:28am UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/11 "2010-03-20T10:28:24Z")
^ word, hopefully it will be fixed before next week, im going to have gay ass sunk wheels though ☹ ---
**Author:** ![DarkManX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/darkmanx/32/5569_2.png) [@DarkManX](https://forums.speedlife.net/u/DarkManX)\ **Post date:** [March 20, 2010, 11:15am UTC](https://forums.speedlife.net/t/who-knows-insurance/151823/12 "2010-03-20T11:15:10Z")
> [@GTS](#): > > If you don’t know about insurance, please don’t misguide people who are looking for help - it causes myths and people get outrages ideas, in addition, if it doesn’t work out in their favour based on inaccurate advice, they think they’re ‘getting screwed.’ > > Consider whether or not you can fix the damage yourself. If you can afford to fix the damage yourself and incur all the costs (towing + fixing), then there’s no need to put in a claim. If you do need to put in claim, then contact your broker and advise them. OR, if you’re insured with a company that uses call centres instead of brokers…well, good luck with that. > > Assuming you have comprehensive coverage, this ‘hit-and-run’ should likely fall under comprehensive. Making this claim will likely increase your premium at renewal. Find out how much your deductible is as it will help you determine your decision based on what you can afford. If it costs $500 to fix (and you can afford to fix it yourself) and your deductible is $500, it would not make sense to put in a claim. Well said Sam. +1 for someone who knows their insurance and is always willing to help a brother out.