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Old 01-29-2010, 08:56 AM   #1
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Insurance claim for spray paint?

So, I'm coming home from work yesterday and had just gotten onto the freeway. The right lane was at a dead stop (as was I) and I hear: screech/bang and I get smacked from behind hard enough to push me (with my foot on the brake) about 5 feet into the car in front of me.

A car hit a cab behind me and pushed the cab into me. No one hurt either. I didn't move the jeep for about 10 minutes as the cab was jammed under my bumper so badly that when I first attempted to move over to the break down lane it didn't want to move. Decided to not damage the cab but he pulled it out himself after a bit.

The good news is that no one was hurt and EVERYONE had insurance (and a job and a car that they cared about) so it could have been a lot worse.

I have a few spots of "new" paint on my tube bumpers now. Just doesn't match my color schema.

Should I hit up the insurance co. for a couple cans of paint? Cuz the crown vic and the Scion will need a couple grand to get them back to pre-accident condition.

Couple of (cell phone) pix:

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Old 01-29-2010, 09:38 AM   #2
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Jeeze, Larry. Are you okay? Minor accidents can leave you hurting in the morning.

And I probably wouldn't go to the insurance for some paint, but are you sure that's all? (That blue goes well with your yellow... it's festive.)

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Old 01-29-2010, 09:43 AM   #3
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Just to CYA, I'd at leats talk to my insurance agent about what happened. If he's worth his salt, he should be able to advise you better than we can.
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Old 01-29-2010, 09:43 AM   #4
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I would have a body shop look at it and give you a idea and also make sure nothing got damage in the drive line Glad everyone is ok
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Old 01-29-2010, 09:47 AM   #5
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File a claim, get a few hundred bucks, buy your rattle-can paint and spend the rest on more mods.
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Old 01-29-2010, 09:54 AM   #6
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Plus your ins don't need bothered it's the person/persons that hit you I got almost 2 grand for a lady hitting me one time
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Old 01-29-2010, 09:59 AM   #7
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Being in California, you might have AAA auto ins, I do

I'd put in a claim for a set (5) BLUE Beadlocks, to match the blue paint on your bumpers !!

Course, thats just me --

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Old 01-29-2010, 10:06 AM   #8
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You should report this to your agent. In the one and only multiple vehicle accident I was in, I was responsible for the car I was pushed into. I was at a dead stop and was pushed into the car in front of me. I was sued by that driver. Since it was forever ago, I forget the main details, but do report the accident.
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Old 01-29-2010, 10:15 AM   #9
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I wouldn't, but that's just me. Insurance claims raise all of our rates. I just figure better to be part of the solution than the problem. Again, that's just me. Easy fix, possibly less possibility of something showing on a Carfax??? Dunno.
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Old 01-29-2010, 10:20 AM   #10
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Tiny, I'm fine. Lower back was a bit sore last night but it feels better this morning.

I called the ins company from alongside the freeway yesterday and got everyone's detail and opened a claim last night. Mostly to CMA. I wasn't at fault but I feel bad about the guy I hit. He was even more innocent that I am and he got his brand new scion all ugly'd up.

I have USAA and they said last night that they will want me to take the jeep in to get it "evaluated" (whatever that means). I think that any damage that I might have to pay for would be covered by my policy and the deductible should be covered by the policy of the guy that caused it all.

What sucked most is that I've had a big (100 people) two day meeting/program review that I hosted and just completed yesterday. Was the first day I was going home in daylight in over two weeks. That's what I get for going home "early" I guess.

Beadlocks....hmmmm...
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Old 01-29-2010, 10:28 AM   #11
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It's always nice to come out of those situations safe and relatively damage free.


I was with my dad once in his huge pickup truck with the massive hitch on the back when we got rear-ended. A little sports car, like a 240z hit us really hard. It went right under the truck, shoved that hitch through about 2/3rds of his hood. Practically split the car in half. It didn't do anything to dad's truck but scrape the black paint off the hitch. Had to get a tow truck to pull the cars apart, though. The back wheels were off the ground.

Sometimes I think I want a big old diesel Suburban with huge fenders for driving around.
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Old 01-29-2010, 10:51 AM   #12
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Quote:
Originally Posted by RedWrangler View Post
Just to CYA, I'd at leats talk to my insurance agent about what happened. If he's worth his salt, he should be able to advise you better than we can.
Its good you filed
If all you do if call to find out your options
it still goes in your insurance file
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Old 01-29-2010, 11:14 AM   #13
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are you ok, larry? how are you feeling this morning?
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Old 01-29-2010, 11:17 AM   #14
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Just having the accident in your file won't necessarily hurt you. I poofed a deer with my F-250 while doing 95. Did about $2500 in damages to the truck and totaled the deer. My insurance rates have not increased in the two years since that delicious accident.

Of course the insurance company was unaware of my speed and the fact that I kept the carcass, most of which was in fine shape.
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Old 01-29-2010, 11:22 AM   #15
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are you ok, larry? how are you feeling this morning?
I'm good. Any morning you can get in the vertical is pretty cool.

Just a touch sore. I told the ins agent last night that it felt like king kong hit me with a pillow across the middle of my lower back.
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Old 01-29-2010, 12:06 PM   #16
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Glad to hear you are ok after all that stevens, also glad your Jeep wasn't badly damaged
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Old 01-29-2010, 12:41 PM   #17
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Glad you're OK Larry!

I'd crawl all over the underside of that Jeep! Make sure you don't have any cracks in the frame or welds. I'd take that thing to a body shop that does frame alignments just to make sure the frame hasn't been tweaked. Did you notice any change in the position of the steering wheel right after the wreck? I'd look real hard at the tub where the body mounts are. If you got hit hard enough to get pushed up the road into another car, I'd be surprised if there wasn't damage of some sort underneath. I hope not!

Again, glad you're OK!
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Old 01-29-2010, 12:44 PM   #18
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every once an awhile the insurance company might just shock you. i got a $1000 just for being in the car with a friend who got in a wreck. the insurance claims guy said i should go get checked out at the hospital just to cover my own ass. nothing was wrong with me but i still walked away $1000 richer. they also paid my $600+ medical bill. the insurance guy said that being in a wreck and not getting checked out could have voided out my health insurance due to the fact that it was negligence on my part for not going to the hospital. so if something were to come up a few days later you could end up fronting the medical bill. i would talk to your insurance company if i were you.
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Old 01-29-2010, 02:45 PM   #19
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I have an estimator coming to the jeep on Wed. I'll have him crawl around and I'll have a chance to check it all out beforehand too.

From the look of it, the rear bumper is tweaked a little and seems to squeak a bit now.

I've already had my ins adjuster call and get a statement as well as the company of the guy that did all the hitting (progressive).

Seems like this will be a very easy thing to deal with.
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Old 01-29-2010, 03:09 PM   #20
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Seems like this will be a very easy thing to deal with.
Why'd you do it Larry? Why'd you do it?!

You just jinxed yourself. Look forward to years of litigation and heartache.
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Old 01-29-2010, 03:52 PM   #21
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Wink Insurance rates

Hello stevens243, Glad your not hurt...I'd check with your insurance agent
concerning rate hikes. They will give you all the info you'll need and your rates will not be effected for inquiring. Most of the time your rates will not be effected as long as the other guys insurance covers all the charges...I'd also have a shop check out your jeep...even if it knocked it out of allignment or it starts seeping around a seal later on, you should not have to cover those charges...there are time limits usually attached to accident repairs as well as medical...You will probably be notified by the other guys ins. carrier and ask you to sign a medical release...DON'T do it (yet)...BE SURE you are ok. I don't like milking insurance companies however, you should not have to pay for anything that was certainly not your fault. Again, glad your OK!
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Old 01-30-2010, 05:42 PM   #22
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Hey glad your not hurt hope the jeep checks out. Would be a shame if they total it and you buy it back for 1k bucks
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Isn't the JK just a rebodied PT Cruiser?!

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Just a few more inches Red. You can take it.


If you haven't gotten more out of the insurance company than you deserve, then you haven't screwed them nearly as much as they have been screwing you for the past xx years.
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Old 01-30-2010, 08:15 PM   #23
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^ Thanks.

Critical eye test today indicates that the rear bumper is in need of removal and some hammering with probably some new bolts at a minimum. I may just get it close, bolt it back on and then weld it up.

Everything else looks ok.
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Old 01-30-2010, 08:25 PM   #24
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^ Thanks.

Critical eye test today indicates that the rear bumper is in need of removal and some hammering with probably some new bolts at a minimum. I may just get it close, bolt it back on and then weld it up.

Everything else looks ok.
That's great news Larry!
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Old 01-30-2010, 11:14 PM   #25
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Wow, spend the day working and come home to find this. Glad you are OK Larry. Hope all the insurance stuff goes smoothly for you.

Jeff

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