by Guest » Fri Sep 06, 2013 04:52 pm
My car was hit in the back bumper a few weeks ago. It was my fault and I didn't report it. Then, it was scratched again on the other side of the back bumper by something (maybe a car, not sure) last week while parked in my apartment parking lot. I'm trying to find out who is responsible. A few questions:
1. Several other cars in the parking lot have scratches that could be from collision with my car. I've left them a note asking nicely if they're the culprit. Any other suggestions on what I can do to identify the culprit, if it is one of the cars there?
2. If the culprit admits fault, would their insurance cover the repair for the entire bumper? Recall the bumper was previously damaged, though the new damage is a little more pronounced. It would be fair for the insurance to repair the bumper to its condition prior to the new accident, but I expect doing so would automatically fix the previous damage with no additional cost (I could be wrong; not a car expert).
3. In case the culprit is not identified, can I make a comprehensive claim with Geico? My understanding is it would be a collision claim if it was hit by a car, but I can't tell if it is. Furthermore, the damage is in a spot that makes little sense for a car to scratch, since that car would be headed for a dead end.
4. Since the car was hit multiple times recently, though in different spots, is it possible to claim them as one claim? The idea being to pay deductible once rather than twice. It feels like the answer is no, but just want to understand it better.
Thanks.
1. Several other cars in the parking lot have scratches that could be from collision with my car. I've left them a note asking nicely if they're the culprit. Any other suggestions on what I can do to identify the culprit, if it is one of the cars there?
2. If the culprit admits fault, would their insurance cover the repair for the entire bumper? Recall the bumper was previously damaged, though the new damage is a little more pronounced. It would be fair for the insurance to repair the bumper to its condition prior to the new accident, but I expect doing so would automatically fix the previous damage with no additional cost (I could be wrong; not a car expert).
3. In case the culprit is not identified, can I make a comprehensive claim with Geico? My understanding is it would be a collision claim if it was hit by a car, but I can't tell if it is. Furthermore, the damage is in a spot that makes little sense for a car to scratch, since that car would be headed for a dead end.
4. Since the car was hit multiple times recently, though in different spots, is it possible to claim them as one claim? The idea being to pay deductible once rather than twice. It feels like the answer is no, but just want to understand it better.
Thanks.
Posted: Sat Sep 07, 2013 12:00 am Post Subject:
1) If someone hit your car they would know it. As they did not tell you then, I don't see why they would tell you now. I don' t know if any good proof you could offer to show who is liable.
2) They might pay to replace the entire bumper, est if they don't realize it was damaged before. What is owed is the replacement (if it needs to be replaced from this new damage) less depreciation as they are returning it to a better condition and they is not owed.
3) No, it would a collision claim under your policy not comprehensive. You'd be subject to a deductible for each occurrence.
4) No.. it's two claims. Unless you lie and they think it's one claim.
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