Personal auto insurance policies generally vary by state, and to a very slight degree, by insurance company within a state. Uninsured motorist property damage coverage (the hit and run) is not available in every state. 2003gt would have to defer to VA law. If umpd is not available, he would have to use his collision insurance. the insurer will determine whether the event is 'chargeable' - meaning whether there is sufficient evidence of a culpable third party - that's why it's important to try and id the other vehicle, and report to police. Otherwise, it would be very easy for anyone who wrecked their car in a single vehicle accident to claim 'hit and run' and evade a surcharge. I would also check for possible security cameras that might have been in operation in the parking lot - might be of some help.
NO NO NO NO !!! not by baby !!
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Mickey21
New Member
whitepony has it right, at least for the most part. It varies by insurance company but my insurance company (Farmer's Insurance) has given me this information on coverage:
At fault will raise rates
Not at fault will not raise rates no matter who pays out for the damage
Vandalism is covered on my policy but not standard (check with your policy)
Not at fault claims are not marked against me in any way
Deductible on vandalism and small item claims including theft is $250 (however can be whatever the customer requested on initiating coverage)
Collision deductible is $500
Of course again, all of this varies by company and is not guaranteed type of coverage for anyone in most any state. Some car loan lenders will make specific requests on the coverage of course.
At fault will raise rates
Not at fault will not raise rates no matter who pays out for the damage
Vandalism is covered on my policy but not standard (check with your policy)
Not at fault claims are not marked against me in any way
Deductible on vandalism and small item claims including theft is $250 (however can be whatever the customer requested on initiating coverage)
Collision deductible is $500
Of course again, all of this varies by company and is not guaranteed type of coverage for anyone in most any state. Some car loan lenders will make specific requests on the coverage of course.
I agree that using more than one space encourages someone to "punish" me for taking up so many spaces. I have also found that no matter where I park someone will park next to me.
It's like being in a movie theater. I can be the only one there, someone will come in, sit behind me and start talking.
sometimes you just can't win.
It's like being in a movie theater. I can be the only one there, someone will come in, sit behind me and start talking.
sometimes you just can't win.
PonyKeg
New Member
Yeah, I park way in the back, in parking lots, near a curb and as far removed from other cars as I can manage. Garages I try to avoid, because they're always so crowded. Heck, I won't even drive my pony downtown, if I can help it -- no way I'm going to parallel park.
Myself, I'm always very careful when I park. It's amazing how disrespectful other drivers can be about parking, though, especially street parking. They think nothing of scratching or denting your car, and theirs too.
All it takes is a moment of caution, but I guess nobody has the time to be careful, anymore ...
Myself, I'm always very careful when I park. It's amazing how disrespectful other drivers can be about parking, though, especially street parking. They think nothing of scratching or denting your car, and theirs too.
All it takes is a moment of caution, but I guess nobody has the time to be careful, anymore ...
ncaruso
Founding Member
CaptainSaveAHoe said:
Why is it that the ultimate "Chick Car" can do so much damage to the ultimate "Man car"?
Sorry about what happened. Man that really SUCKS! We don't have any Food Lions here in Sacto. but some groceries stores have a security camera bolted on a wall that overlooks the parking lot. We have cameras covering the employee parking where I work to cover car break- ins. We keep the tapes for a week. Is there a chance you can go back and talk to the manager of the store to see if they can help?. Just a thought.2003gt said:
jlisle01
New Member
I used to have my Thunderbird covered by Farmers Insur. and they told me the same thing- not your fault it doesn't go against you. Then I got rearended at a stoplight one day and when my insurance went up my agent told me that if you are in the car driving ALL accidents are at least 10% your fault. I breifly considered punching him in the face and saying "sorry but it's at least 10% your fault that your face hit my fist." Bottom line- unless your mother owns an insurance company- they all inhale, and they all have their little games.
exwifegotstang
New Member
Sorry to hear dat *****! Antoher problem at Food Lion is the lazey people who can't take thier carts back, there are always carts everywhere just waiting to be smacked into or just rolled into parked cars. It seems like people who shop at Farm Fresh are more apt to return thier carts. I personally hate Food Lion parking lots. Cavileir Ford has a good body shop, So does Courtesy Ford in Elizabeth City. Courtesy did some work on my Lightning and I cant even tell which says a lot because it's Dark shadow Grey Metalic.
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