2nd time hitting a shredded semi truck tire
 

:shakes head::shakes head::shakes head:Kharma is returning the favor for whatever i did in the past. Since purchasing my Z about 8 or 9 months ago I have come across and collided with 2 shredded semi tires occupying I-90. Both incidents occured at night time and were, in my opinion, unavoidable. The latest icident seems to have resulted in the slightest of slight body damage... My hood seems to be a milimeter or two raised above where it should be near my passenger light. I feel it is a result of the impact to the bumber which transitioned to damage to my hood... Anyway, my concern/question is what is the best way to handle this. Report to insurance? Pay out of pocket? File police report? My main concern is wether my premium will raise and also if I will be able to file the accident under Collision or Comprehensive. My Deductible is 500. Thanks:shakes head::shakes head::shakes head:

I misread your post the first time... I thought you were following a truck and their tire blew out.

If you hit something in the road that is already there... it's your fault man. That's why you have insurance. I wouldn't bother with a police report unless your insurance company wants it. Not much you can really do.

I'd just pay for it out of pocket. The extra premiums once they raise your rates -- and they will if you make a "your fault" claim -- will cost more in the long run than a grand or two getting your hood straightened out.

Update: I did a quick search. If the insurance company treats it as part of their comprehensive coverage and not collision, there is a chance you will have no deductible and rates won't raise -- though they can raise your rates for any reason they want anyway .... according to some folk online actually asking about whether something is covered can affect your rates ... you may be screwed unless you actually already know how your ins company handles this stuff

ouch iv clipped a armadillo... no damage tho

Not sure how much damage you have or how much it will cost to fix - I had a very similar incident a few months back - came across the entire tread of a semi spread across the entire lane of the interstate at night and absolutely no way to avoid it. Hitting it tore a whole in the bumper and completely crushed the foglight on my Odyssey. I actually passed the truck on the side of the road as I got off at the next exit to check the damage. I should've gone back and gotten the insurance information of the trucker but I never did. To replace the bumper and the foglight ended up costing me about $1k. The shop did a great job but I'm still ticked to this day that people have to go through stuff like that.

Good Luck!

Pay out of pocket, insurance companies would love to suck more money from you for the next couple years.

Ok after further review and analysis from my fav RX-8 owner (PuertoCuba) it appeers that my front fascia is the culprit, and not my hood... So i'm removing the fascia tomorrow and attemting to realign things myself. Thanks everyone for your input and wish me luck!!! Oh and I mosdef am not going the insurance company route if it's just my bumper. Look out for FI TDX vids next week!:driving::driving:

Yeah, probably best to take care of it yourself especially if it's only the front bumper.

Good luck!

I ran a over a brick on the freeway doing like 85mph and it messed up my sports package rim and punctured the sidewall of my tire. I reported it to my insurance and told them i couldnt avoid it because it blended in with the road and only had to pay the deductible. It was considered non at fault so my premium didnt go up at all. total damage was like 1400 dollars.

everyone really needs to call thier ins company first and see if it will affect it. If you have been with a company long enough they wont raise it on you for every little thing. And why pay more money than your deductable if they wont raise it. and if they do raise it, its only for the period it takes to recover some money and then it will go donw. Of course thats if its a good company, not all ins companies are good.

yea to the armadillo

J/W do people keep them as pets? Like when people find a turtle they keep it do people do the same with Armadillos? Cause I totally would.

it looks like a giant rolly polly.

Try only using your insurance for the big things, I wrecked my Buick Regal on New Years Eve my fault. The Honda Pilot I rearended cost over 6K to fix, I sold what was left of my Regal for 350.00, went out and bought a new 370Z and this accident was forgiven, but I have to stay claim free for 5 more years.

The simple answer is to not allow retreads and require TPMS for truckers.

I don't know how many times I've been near or around a trucker that had a blown tire, and didn't seem to know/care...

this yr was a bad yr for truck tires.. hit 3 shreds of tire no bad damage just chips and a small dent

same thing happened to me on my way up to Oregon last week. Gave my front bumper the dirty sanchez rubber mark and put a nice dent on one of my Fast Intentions CBE mufflers.

got the exhaust wow

That should be cover under comprehensive coverage and not collision, rates should not go up.

i think it will depend on the insurance company.. same thing happened to me a couple of years back. i was in my vette and hit a blown out tire.. wished i would have paid for it myself. insurance put it as a at fault CROOKS and it stayed on my record for 3 years

That is what happened when you have those No Name, Cheap A$$ Insurance Companies...:stirthepot:

thats why u pay 2k a yr ....:stirthepot: