Hit and Run Questions. Looking for advice.

PhantaPhanta · 03-07-2015, 04:09 PM

Hi everyone,

I posted about me being involved in a hit and run on my Z, me being the victim. Long story short, I got hit and now I want to claim my insurance. I have no idea how to start. My car has full coverage or so they said but as I reviewed my policy I'm unsure. Is there anyone here that has knowledge in this area? Attached is my policy info. Vehicle 1 is my Z and Vehicle 2 is my DD. I live in California if that helps.

I want to know if based on my policy they will pay for my damages for hit and run. Will claiming insurance and fixing my car report my car in being salvage title? Will it go on carfax record?

Damage: http://imgur.com/GZtUxrW
Insurance Policy: http://imgur.com/gi9yvFa

Thanks.
PS: I'm glad i found this forum, you guys are like my senpais

JC-Nismo · 03-07-2015, 04:13 PM

File a police report.
Call your insurance company and tell them exactly what happen.

PhantaPhanta · 03-07-2015, 04:46 PM

I've read that in california insurance covers hit and run under UMPD or (UM Property Damage) and that if the insurance offers UMBI or (UM Bodily Injury), it doesn't offer UMPD. I was told that I'm fully covered with my policy by the agent there but on paper it seems UMPD is left blank so what does that mean? I find that if I ask now and then claim it immediately it sounds like fraud and if they say I'm not covered I want to update it and be covered and not screwed by that agent that lied to me.

kenchan · 03-07-2015, 05:01 PM

sorry to hear. call your agent and let him/her know wat happened. then they will give you a number to call to officially file the claim and setup a time for repair estimate at either their claims center or body shop.

it's not hard to do, ive done it so many times it's just a

pita more than anything. dont get nervous, it's just a f-king part of car life.

should be covered under comprehensive.

PhantaPhanta · 03-07-2015, 06:02 PM

Quote:

Originally Posted by kenchan

sorry to hear. call your agent and let him/her know wat happened. then they will give you a number to call to officially file the claim and setup a time for repair estimate at either their claims center or body shop.

it's not hard to do, ive done it so many times it's just a

pita more than anything. dont get nervous, it's just a f-king part of car life.

should be covered under comprehensive.

Thanks for the reply Ken-senpai Lool. Very informative. Ill make sure to double check with the comprehensive but reading this makes my day seem brighter. THanks

RonRizz · 03-07-2015, 06:11 PM

yeah, you should be covered under your comprehensive.

Tadpole · 03-07-2015, 06:57 PM

Yes full coverage insurance will cover hit and runs. I'm not sure if they will put it under comp or collision tho. We're you driving when it happened?

37zeroZ · 03-07-2015, 07:19 PM

In your case, I believe that hit and run accidents are viewed as uninsured motor vehicle and since you have collision insurance coverage, you are covered under that coverage. Plus, since you purchased the collision deductible waiver, you do not need to pay the $500 collision deductible.

PhantaPhanta · 03-07-2015, 07:31 PM

Quote:

Originally Posted by Tadpole

Yes full coverage insurance will cover hit and runs. I'm not sure if they will put it under comp or collision tho. We're you driving when it happened?

Parked at school.

PhantaPhanta · 03-07-2015, 07:32 PM

Quote:

Originally Posted by 37zeroZ

In your case, I believe that hit and run accidents are viewed as uninsured motor vehicle and since you have collision insurance coverage, you are covered under that coverage. Plus, since you purchased the collision deductible waiver, you do not need to pay the $500 collision deductible.

I don't get what this means. Does this mean I ring them up and they do everything from a to z and it won't cost me a dime? I was told that I need to pay the $500 bucks then insurance company pays the rest.

PhantaPhanta · 03-07-2015, 07:35 PM

By the way, soo anyone know if fixing it will appear on my carfax record? I unno i just like the idea of future if i need to sell the z for i dunnoo.. 2018 Z? Some guy ask for carfax and ill be like "BAM!" Not a single word listed in carfax.

37zeroZ · 03-07-2015, 07:59 PM

Quote:

Originally Posted by PhantaPhanta

I don't get what this means. Does this mean I ring them up and they do everything from a to z and it won't cost me a dime? I was told that I need to pay the $500 bucks then insurance company pays the rest.

Usually, in every full coverage policy there is some sort of deductible the insurer pays. The higher the deductible, the lower the insurance premium. Since hit and runs are looked at as UM and you have collision coverage, both come in place in your case. You collision includes a $500 deductible, but since you have the UM collision waiver, you should not be required to pay the first $500 of the repair out of your pocket.

I'm not a California insurance agent, but by looking at your policy, this is my take.

PhantaPhanta · 03-07-2015, 08:02 PM

Quote:

Originally Posted by 37zeroZ

Usually, in every full coverage policy there is some sort of deductible the insurer pays. The higher the deductible, the lower the insurance premium. Since hit and runs are looked at as UM and you have collision coverage, both come in place in your case. You collision includes a $500 deductible, but since you have the UM collision waiver, you should not be required to pay the first $500 of the repair out of your pocket.

I'm not a California insurance company, but by looking at your policy, this is my take.

Much appreciated. Thanks.

Malm · 03-07-2015, 11:03 PM

Looks like a job for one of those Paintless Dent Removal guys.

sofaonasock · 03-08-2015, 01:15 AM

Are you sure it won't be a claim against collision, subject to your deductible?

03-07-2015, 04:09 PM	#1 (permalink)
PhantaPhanta Base Member Join Date: Jul 2014 Location: California Posts: 97 Drives: '14 370Z Black AT Rep Power: 10	Hit and Run Questions. Looking for advice. Hi everyone, I posted about me being involved in a hit and run on my Z, me being the victim. Long story short, I got hit and now I want to claim my insurance. I have no idea how to start. My car has full coverage or so they said but as I reviewed my policy I'm unsure. Is there anyone here that has knowledge in this area? Attached is my policy info. Vehicle 1 is my Z and Vehicle 2 is my DD. I live in California if that helps. I want to know if based on my policy they will pay for my damages for hit and run. Will claiming insurance and fixing my car report my car in being salvage title? Will it go on carfax record? Damage: http://imgur.com/GZtUxrW Insurance Policy: http://imgur.com/gi9yvFa Thanks. PS: I'm glad i found this forum, you guys are like my senpais Last edited by PhantaPhanta; 03-07-2015 at 04:13 PM.

03-07-2015, 04:13 PM	#2 (permalink)
JC-Nismo A True Z Fanatic Join Date: Sep 2014 Location: Atlanta Posts: 1,244 Drives: 2011 Nismo 370z Rep Power: 12	File a police report. Call your insurance company and tell them exactly what happen. onzedge, mayday813 and lgarcia like this.

03-07-2015, 05:01 PM	#4 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141520	sorry to hear. call your agent and let him/her know wat happened. then they will give you a number to call to officially file the claim and setup a time for repair estimate at either their claims center or body shop. it's not hard to do, ive done it so many times it's just a pita more than anything. dont get nervous, it's just a f-king part of car life. should be covered under comprehensive. onzedge and lgarcia like this.

03-07-2015, 06:11 PM	#6 (permalink)
RonRizz A True Z Fanatic Join Date: Aug 2011 Location: Pine grove, Pa Posts: 2,132 Drives: 2 feet, 3 pedals Rep Power: 6774	yeah, you should be covered under your comprehensive. kidkotic2001 likes this. __________________ P99rs Head Unit--- Amps- 2 Pioneer Prs800d --- Zapco ST1000MX---Zapco ST-4XSQ---- SI BM mk5 Subs---SI TM65v2 Midbass--- SI M3 mids--- SI M25 xbl2 tweeters ----- 2016 MECA street class 3rd place at world finals

03-07-2015, 06:57 PM	#7 (permalink)
Tadpole A True Z Fanatic Join Date: Sep 2013 Location: Lockhart, TX Posts: 1,082 Drives: 13 Nissan 370Z A7 Rep Power: 17	Yes full coverage insurance will cover hit and runs. I'm not sure if they will put it under comp or collision tho. We're you driving when it happened? __________________ Takeda TR3009P Short Ram Intakes, Custom Dual Exhaust, X-Piped with 18" Resonators & TopSpeed Axle Backs. EVO-R Led Third Foglight,

03-07-2015, 04:46 PM	#3 (permalink)
PhantaPhanta Base Member Join Date: Jul 2014 Location: California Posts: 97 Drives: '14 370Z Black AT Rep Power: 10	I've read that in california insurance covers hit and run under UMPD or (UM Property Damage) and that if the insurance offers UMBI or (UM Bodily Injury), it doesn't offer UMPD. I was told that I'm fully covered with my policy by the agent there but on paper it seems UMPD is left blank so what does that mean? I find that if I ask now and then claim it immediately it sounds like fraud and if they say I'm not covered I want to update it and be covered and not screwed by that agent that lied to me.

03-07-2015, 07:19 PM	#8 (permalink)
37zeroZ Enthusiast Member Join Date: Feb 2010 Location: Dallas Posts: 346 Drives: Truck Rep Power: 14168	In your case, I believe that hit and run accidents are viewed as uninsured motor vehicle and since you have collision insurance coverage, you are covered under that coverage. Plus, since you purchased the collision deductible waiver, you do not need to pay the $500 collision deductible. Last edited by 37zeroZ; 03-07-2015 at 07:21 PM.

03-07-2015, 07:35 PM	#11 (permalink)
PhantaPhanta Base Member Join Date: Jul 2014 Location: California Posts: 97 Drives: '14 370Z Black AT Rep Power: 10	By the way, soo anyone know if fixing it will appear on my carfax record? I unno i just like the idea of future if i need to sell the z for i dunnoo.. 2018 Z? Some guy ask for carfax and ill be like "BAM!" Not a single word listed in carfax.

03-07-2015, 11:03 PM	#14 (permalink)
Malm Track Member Join Date: Jan 2014 Location: Palm Bay, Florida Posts: 706 Drives: 11 Nissan 370z bs a7 Rep Power: 12	Looks like a job for one of those Paintless Dent Removal guys. __________________ 2011 370 Z Ark - Seibon - Aerojacket - Pioneer - Evo-R - Stance

03-08-2015, 01:15 AM	#15 (permalink)
sofaonasock Base Member Join Date: Apr 2009 Location: Bay Area, CA Posts: 116 Drives: 09 370Z Touring, M6 Rep Power: 16	Are you sure it won't be a claim against collision, subject to your deductible? __________________ 09 370Z Sports Touring 6MT

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