Most expensive steak ever - Page 5

X-cellent · #41 04-10-2013, 09:47 AM

Most insurance policies don't rate the policyholder for Comp claims as the "driver"/owner is not at fault - i.e. vandalism, hail damage, etc...at least that has always been how my policies have read and my experience when I was in the Property & Casualty Insurance business..I'm sure that today some of the policies out there that are not the same, especially when you have the gimmicks of money back for no claims, vanishing deductibles etc... I'm sure these policies are much more restrictive.

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ard · #42 04-10-2013, 12:32 PM

Quote:

Originally Posted by rh71

how true is that? I'm reading it varies from company to company and who does their underwriting / coding.

it varies by policy, and that is often driven by the state rules.

But in my experience "collision" usually includes you hitting something, a driver you allowed to use your car hitting something, and somebody hitting you if THEY are not identified.

The only comprehensive damages are things hitting your car (branches, ice, stuff falling down) and animals. Along with fire, flood, etc.

IMO most valet lots will ignore your issues until you lawyer up.... it seems like their best strategy for dealing with this type of issue. While going with your insurance carrier is easy, they really dont care if you pay $500 more and/or you get charged with the claim..they are surely not going to waste their time with an in house lawyer dealing with this.

GL

A

Lumpydog · #43 04-13-2013, 11:03 PM

Valet Employee Will Likely Be Looking for a New Job After This - Carscoops

cravin · #44 04-14-2013, 09:38 AM

Well, attorney sent letter to the parking company, and received immediate reply. The company "miraculously" doesn't have any video of the incident, so we cannot subpoena evidence that they don't have since they only retain video for 72 hours.

Attorney called me and just told me to file insurance claim. I could still obviously sue, but because the company is located in NYC, I would have to go to NYC small claims court. With lack of evidence, and the fact that they have disclaimer on back of the ticket eliminating liability after one leaves the premises, he told me I'd be fighting an uphill battle. I also don't feel like driving around with a dented car for months while this plays out, so I went the easy way and opened a claim with Geico. And of course, Ard is right again. The claim is collision, not comp. In NY, when you give your car to the valet, you are legally passing driving privilege to the valet, so for insurance purposes, it's like I was behind the wheel.

Oh well, already have the appt set with the Geico adjuster for tomorrow afternoon and then will go to Crystal Clear and be out of a car for a week.

Surprised that now even Geico quotes you law that in NY, you have the right to choose any professional you wish. They can no longer press you into going to theirs and having to use them for the repairs.