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Old 03-09-2014, 12:35 AM   #21 (permalink)
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Quote:
Originally Posted by bryn View Post
my insurance company puts deer strikes, hail damage, etc. down as "acts of god" might be NY law but they can't penalize you for them through price hikes or fees if i recall correctly
I believe that is US law, but I do know it is set in Ohio. It is no fault, and doesn't increase the rates, but if one is prone to accidents, it does add on the "cap" that one has with a company before being dropped.

Hitting a deer each week won't (or shouldn't, may vary by state) raise rates, but it will add up to your total.

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Old 03-09-2014, 10:09 PM   #22 (permalink)
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I had a no fault accident and after screwing with the guys insurance co I asked mines to step in. Next billing cycle my rate went up 200 bucks. I called the next one advertised on tv and got my original rate.
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Old 03-09-2014, 11:11 PM   #23 (permalink)
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Quote:
Originally Posted by Cobb View Post
I had a no fault accident and after screwing with the guys insurance co I asked mines to step in. Next billing cycle my rate went up 200 bucks. I called the next one advertised on TV and got my original rate.
...it wasn't "Flo" was it?
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Old 03-10-2014, 10:40 AM   #24 (permalink)
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Either that or that gecko. Those two have some of the most aggressive advertising campaign of anyone I've ever seen.

Also, I believe in under acts of god at least in my state insurance does go up if you use it, as even though it's not your fault: You are still now statistically more likely to be affected by acts of god.
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Old 03-10-2014, 01:45 PM   #25 (permalink)
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Quote:
Originally Posted by brucey View Post
Also, I believe in under acts of god at least in my state insurance does go up if you use it, as even though it's not your fault: You are still now statistically more likely to be affected by acts of god.
Or perhaps you are living in a place where deer often run out in front of cars, which makes deer strikes a foreseeable risk? I have some good friends who do: I seldom drive the ~3 mile stretch of road from the main highway to their place in the evening without seeing some. Fortunately, they seem to be learning (the hard way!) not to run out in front of cars.
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Old 03-10-2014, 02:00 PM   #26 (permalink)
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It looks like it will be totaled. Nothing is sure yet, but because of the damage and the price of parts, including the potential need for aftermarket parts, it is leaning towards totaled.

Will keep it updated.
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Old 03-10-2014, 03:16 PM   #27 (permalink)
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Quote:
Originally Posted by UltArc View Post
It looks like it will be totaled. Nothing is sure yet, but because of the damage and the price of parts, including the potential need for aftermarket parts, it is leaning towards totaled.

Will keep it updated.
I sure hope not! What parts need to be replaced? Did you see my PM?
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Old 03-10-2014, 03:29 PM   #28 (permalink)
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First gen Insights are rare and unique, and not made of rusting steel; a classic in the making. Please think twice before getting rid of it, their value may rise in the near future...

All the best whatever you do. So sad to see what that deer did to your Insight...
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Old 03-10-2014, 04:42 PM   #29 (permalink)
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Quote:
Originally Posted by UltArc View Post
It looks like it will be totaled. Nothing is sure yet, but because of the damage and the price of parts, including the potential need for aftermarket parts, it is leaning towards totaled.

Will keep it updated.
Do you have the option of buying the car from insurance if they total it?
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Old 03-10-2014, 05:25 PM   #30 (permalink)
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They "totaled" my Insight in name because of repair costs. Mine is still perfectly functional though and has a regular title. I paid $500 to buy the car back. You can make back way more than $500 in parts alone. The Wheels fetch a good price, skirts, switches, computers, battery, transmission. And the aluminum is worth $300 if i remember correctly. And there are people who will buy up parts fast.

If my car ever completely dies, i'd like to strip it to the aluminum unibody and make a superlight track car or dunebuggy then enter it in the 24 hours of lemons.

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