P5 vs 2x4

[Rogue]

I was driving along the road when the truck (S10) in front of me kicked up what looked like a piece of lumber, either 2x4 or 4x4

*56 warning*

 

[Rogue]

i have full coverage on insurance...should cover it...right?

 

[mp5jeff]

holy s***, how fast were you going?

 

[mp5jeff]

yea but you have to pay deductables which suxor, check on prices on a new bumper see if its less then the deductable..

 

[Auzzie_Mp3]

if you have full coverage it should cover it, just expect your premiums to increase...but damn dude that sucks...unless you can find away for that log to jump out in front of you to be considered an "act of god"

 

[Auzzie_Mp3]

yeah and what mp5jeff said you will have to pay a deductable..sucks

 

[mp5jeff]

well his premiums shouldn't rise, because it wasn't an "at fault" accident...

 

[vindication]

depending what your deductable is and how much the damage is. I wouldn't go through insurance if you have like a $1000 deductable. PLus if the damage is over your deductable, find out if your insurance will rise from this claim because if it rises too much then pay for it yourself. You might get a cool person on the phone and he/she wont raise your insurance.

 

[Rogue]

holy s***, how fast were you going?

I was slowing down from 45mph

 

[mp5jeff]

ahh...

 

[Rogue]

depending what your deductable is and how much the damage is. I wouldn't go through insurance if you have like a $1000 deductable. PLus if the damage is over your deductable, find out if your insurance will rise from this claim because if it rises too much then pay for it yourself. You might get a cool person on the phone and he/she wont raise your insurance.

I have a $500 deductable. I'll definately ask if my premium will go up. It actually just went down since i'm turning 25 this month.

Should I have gotten a police report? There was a witness in my car.

 

[blaxer]

Enjoy your new front bumper!

 

[Bijou-MP5]

fixing bumper itself from dealer will costs about $700(painting and installation included)
bumper itself is $200 so, it might not be worth claim it to insurance.
and if it isn't your fault then no need to pay for deductible, if not you have to.

 

[Rogue]

i've been wanting an MSP bumper...i guess i'll be able to get it now

 

[Auzzie_Mp3]

i've been wanting an MSP bumper...i guess i'll be able to get it now

haha there ya go (rockon)

 

[Auzzie_Mp3]

I have a $500 deductable. I'll definately ask if my premium will go up. It actually just went down since i'm turning 25 this month.

Should I have gotten a police report? There was a witness in my car.

not really but if you want to you can, i think most insurance companys want the police to be informed of the accident...i think i guess its more of a descision if you want to or not, i dont think its going to hurt anything

 

[eting_pro5]

i've been wanting an MSP bumper...i guess i'll be able to get it now

God bless that 2x4.

 

[Rogue]

well, called the insurance company...everything's good. When I go in, though, i need to have the part number for the MSP bumper to have it ordered.

 

[I_Vtec]

I can get it for you Luke. I'll go by the dealer this afternoon if you want.

The part number I mean you douche.

 

[+ friction]

Just be grateful that you are not replacing a windshield and an eye socket.