Well saturday, walked off the course after shooting only 8 over for the 18 holes, score of 80, and we were walking out to the parking lot. I was getting congratulations around and we were talking about where we were going to go so my buddies could treat me to a few rounds, plus pay off their skins, when low and behold, I walk to my Z and find that somebody hit her. Looks like some drunk *** hillbilly truck owner or something with a trailer hitch. Cause I have a cute little ball size hole/crack in the rear fiberglass bumper. Cracked right throught the body, no way of repair other than replacement. Other than being pissed I handled it pretty well cause I have $0 deductible on comprehensive, well after filing the claim, its being classified as collision and I have a $500 deductible on that. Damnit!!!

And oh yeah, of course the person responsible did not leave any note and of course the golf course does not have surveillence in their parking lot. So no way around it, I am out 500 bucks.

Fu*k!!!!!!!!

 

Damn sorry to hear that. People are so friggin selfish and thoughtless. Some idiot rammed a shopping cart into the corner of my bumper a few weeks ago. Damn thing's got a small dent and some chipped paint. You'd think someone would stand up, appologize and try to make it right (within reason), but of course they run away because after all, it's easier to be an inconsiderate a-hole than a good person.


Oh, congrats on the 80. There's nothing more satisfying than a great round of golf.

 

I never take the Z to golf courses. My Jeep has been dented, dinged and otherwise nailed numerous times in the parking lots of area courses. Never a note.

 

People just will not do the right thing anymore. If it's a track that you play often and the offender does as well, maybe he'll confess.
Good score, at least you had good karma on the course.

Don't want to hijack: If anyone knows the best way to ship a full set of clubs, please pm me with any info. Intra-state shipping.

 

Are you absolutely sure it wasn't a golf ball .

If it's a golf ball then it goes under comprehensive.

 

yeah i thought of that. wish it had been a golf ball. but this course's parking lot is too far away from the playing area and the crack is too big. if it were from a golf ball then, hell i need to find what brand that it is and start playing em, cause a ball that big, you could never miss. HAH!!!!!

Oh yeah, the insurance adjuster is coming out in a few hours, i will update everyone with the price they quote, then i will be asking whether or not you guys/gals think its fair or not.

 

well the insurance adjuster just left and it turns out that I am going to get the shaft even more. everything is going to be fixed but after tax title and all its only 86.00 bucks more than my deductible, and since i am new to this kind of thing, i had already made the claim, and its already official. only small good news is that my insurance company still does it the old fashioned way and actually cut the check to me for the difference. that way if i find a place other than the dealer who quoted the price that is cheaper then i keep the check plus save the difference in the money. what does anyone say to that?

does anyone have any knowledge of someone other than the dealer doing repair work to their car? my gut tells me that since this car is definately unique, just chalk this whole thing up to a learning experience and have the dealer do it, and at least be sure that i am getting it done right. any advice???

 

The day I bought my 2003, I noticed four 1" scratches on the front bumper cover.......most likely these were a result of being strapped to a truck for delivery.

Dealer said no problem.........well, after painting the underside of my car, painting part of my tires and rims, pulling off my NISSAN emblem with a screwdriver and re-attaching the scratched emblem to a scratched painted bumper cover I got a little irrate. It took a month, but I ended up with a new car.

MORAL: Dealer doesn't always=done right.

 

yeah i recognized the error of my blanket statement after i had already posted. obviously just cause its the dealer that doesnt mean that you are going to get a great turnout, just look at all of the complaints with dealer TSB work in the repairing forum,especially the window grease fix.

 

Don't want to hijack: If anyone knows the best way to ship a full set of clubs, please pm me with any info. Intra-state shipping. [/B][/QUOTE]

I travel quite a bit, and with the clamp down at airports, I now always send my clubs ahead via UPS. Insured, cheap and guaranteed. Ask your club pro for a used club box, put your clubs (in their travel bag) and let your pro have UPS pick em up (they get clubs most every day) The course you are playing also sees their UPS guys daily and can ship em home when you are done.

usually less than $40.
(course I would rather drive them to the course in my DB Z)

Rus
home course link

 

I'd see if you had any other spots on the car that needed work...

Any scratches, dings, or dents...

Get it all fixed and get the best out of your deductible if possible....

I dont know if that kind of thing is covered the same....

 

Mine was hit with a golf ball.....right in the middle of the hood. And a guy in my foursome did it!!

 

If it were me, it would have been hit with a golf ball or a club if you know what I mean...lol.

My new golf clubs were sent in a cardboard box with all the heads wrapped in bubble wrapped. If you want to be safe bubble wrap all the clubs (the entire club) indivdually.

 

Back to the insurance thing.....If you haven’t cashed that check yet, DONT DO IT!! That $86 is more than likely going to screw you for more than $300 PER YEAR for at least the next 3 years. Especially if you try and change insurance companies. They are greedy b!tches and a collision claim for $86 dollars is just as bad as a collision claim for $8,600. That is because any money spent on a claim is bad money! Your score just took a nose dive!
How to fix:
Call insurance and ask them if you can give the check back and close the claim with $0.00 paid out. Tell them you will be happy to pay for it yourself. Make sure you ask them to simply close the claim with a $0.00 pay out and be done with it. That won’t look AS bad. If they say no (in which case you are screwed and might as well get what you can) tell them it should be filed under UM (Uninsured Motorist) which should have a standard deductible of $250. If they give you any grief saying that it needs to be filed as a collision claim first, get a supervisor on the phone and explain the situation calmly. If you still get the shaft tell them that is crap and once you hang up with them you will be calling the insurance commissioner to file a complaint.

Life lesson…..NEVER EVER EVER EVER call the insurance company unless it is obvious that it is going to cost more than your deductible and premiums going up for the next 3-5 years!! (Or you are at fault and there are injuries) If you are ever in an accident and it is the other persons fault, let there insurance handle it. Don’t give there insurance company any info about yours because there is a thing called SUBROGATION. This is a wonderful little thing that the industry uses to screw each other. Allstate is famous for this. Here is a case in point (the sad part is this happens on a daily basis) you are at a red light stopped. Allstate insured slams into the back of you and is clearly and totally at fault. Allstate will contact your insurance company and request that they cover 15-20% of the damages. They may not (and usually don’t) get all, but 95% of the time they get some! Wonder why insurance cost so much.

FYI, I have worked in insurance for the past 8 years (Geico, and SCFBI) in many different departments from claims to sales. Now I write little programs for the different departments to make there life easier so I have had to learn the ins and outs of the insurance world from both sides. Not to mention a very colorful driving record which I am proud to say has been reasonably clean for the last few years…knock on wood!

Good Luck.....you are going to need it!

Jeff

 

I'm a claims adjuster for a major insurance company and alot of what you have said is inaccurate. Some insurance companies rate an accident as at fault or not at fault, meaning it does not matter if they pay out for a claim, but if you are at fault or not at fault. The company I work for does it this way.

You cannot carry UMPD if you carry collision coverage. 2 coverages for the exact same protection.

Lastly, your example is very inaccurate. Allstate would not refer the customer back to their own insurance company unless they had a limits issue. Now if there was a limits issue, the not at fault parties insurance company would handle the claim & subrogate Allstate for their policy limits. Where did you get this 15-20% thing?

Bottom line, this is a collision claim under your policy which comes with a deductible. I know it stinks that it is barely over your deductible, but that's life. There is always a chance that once the vehicle goes to the body shop, there will be a supplement & the cost of repairs will increase. Good luck & I hope the shop does a good job with the repairs.

 

thank you for that reply because that is exactly what my insurance agent told me that they do. I asked her the bold question that with this claim, will my rates go up or will i somehow be looked down upon by making this claim. She told me that they only classify claims as "at fault" or "not at fault" and the latter which this is has no significant bearing on my rates at all, or on my standing with the company.

 

Seems like this thread is the perfect example of why NOT to necessarily trust everything you read in a forum, especially in regards to legal type issues.

 

Not only do insurance companies rip you off in general, they are idiots. My ex and I had Geico, on her CRV and my 97 Jetta. I had one small accident claim over 5 years ago on the Jetta, and several small claims using their mechanical breakdown coverage. (The coverage is basically an extended warranty Geico offers on new cars) When we got divorced I switched from Geico to Shelter, and I had to get Geico to send a letter to Shelter to indicate that the claims were mechanical breakdown, and one was a claim the ex made on the CRV. So I end up with reasonable rates. Then I buy the Z and for grins call Geico to see what they could do -- not only more expensive for the new Z than Shelter but they were going to charge me more on the Jetta than on the Z. And I wouldn't even have had the mechanical breakdown coverage anymore as its for 7 years / 100000 miles and the 7 years was past. So I'm guessing they're not very advanced with respect to categorizing claims. And I definitely recommend against Geico in general, and specifically against the mechanical breakdown coverage. Using it counts against you. Definitely minimize claims made against insurance.

 

I just want to know how you fit a bag of clubs in there!!!!! LOL

 

I was going to get all defensive, but it's not worth it. Insurance laws differ between states, you are in OH and I'm in SC. The point was supposed to be that any claim reguardless of fault is a strike against you. I'm sure we can agree on that.

Oh, and in SC and GA you can most certainly have UMPD with COL. They do serve 2 different purposes. Thats why they have it.

As for the subro thing (which reminds me, you must work for Allstate ) it happens all the time. Everyone does it, Allstate just seems to be the worst for it, or most dedicated depending on how you look at it.

Wow, you Ohio people sure stick together