gantrules Posted April 7, 2005 Posted April 7, 2005 I hit a deer last night and did a significant amount of damage to the vehicle. Do I need to get a police report filled out in order to report it to the insurance carrier? It's not my vehicle......it's my father's and he's away until tomorrow. I may not be alive after he gets home....
PIZ Posted April 7, 2005 Posted April 7, 2005 You shouldn't. Does he have full coverage? Are you on his insurance?
TheManTheMythTheLegend Posted April 7, 2005 Posted April 7, 2005 Give me a month, and I'll be able to save you about 15% on that insurance... Seriously, though, that sucks, and I would probably let the police know..
gantrules Posted April 7, 2005 Author Posted April 7, 2005 No, I'm not on his insurance. Does that mean it's not going to cover the damage?
Ramius Posted April 7, 2005 Posted April 7, 2005 No, I'm not on his insurance. Does that mean it's not going to cover the damage? 298343[/snapback] insurance follows the vehicle...so his insurance will cover it...the bigger question will be whether of not YOUR health insurance will cover what hes going to do to you...
UConn James Posted April 7, 2005 Posted April 7, 2005 I hit a deer a while back (literally came out of nowhere, one bound right to the middle of the road) but it only did some damage to the grill, radiator and the lights, which are ironically the most expensive single part on a car outside of the engine. Didn't report it to insurance b/c it was mostly cosmetic and not worth higher premiums. If it's extensive damage, you probably should report it. I'd suggest you call your father and break it to him right away (and say a few times, "The important thing is no one was hurt" so he can see the big picture if he's easily thralled by such occurances). Don't wait until he gets home if there's any way you can reach him; learning bad news over the phone is much easier than walking up the drive and seeing a totaled car. Not being informed right away pisses people off, especially fathers. You can ask what steps to take and describe the damage, etc. and see what to do. I'm not sure if you have to have a police report in this circumstance. Waiting won't help, tho. Call your dad and see what the protocol is.
IDBillzFan Posted April 7, 2005 Posted April 7, 2005 insurance follows the vehicle...so his insurance will cover it...the bigger question will be whether of not YOUR health insurance will cover what hes going to do to you... 298357[/snapback] The bigger question is...what did you do with the deer? If you didn't do terrible damage to him, I wonder if we can salvage some of the meat. I'm thinking venison chili. Have a bowl waiting for your dad when he gets home, and give him the old..."Dad...I have good news and bad news. The good news is, I made you venison chili from scratch..."
UConn James Posted April 7, 2005 Posted April 7, 2005 The bigger question is...what did you do with the deer? If you didn't do terrible damage to him, I wonder if we can salvage some of the meat. I'm thinking venison chili. Have a bowl waiting for your dad when he gets home, and give him the old..."Dad...I have good news and bad news. The good news is, I made you venison chili from scratch..." 298360[/snapback] Ehh... My experience didn't result in venison in the freezer, and my family is like Swiss Family Robinson in that regard. I don't know how roadkill tastes or what it does to the meat. Anybody ever uhh, salvage a deer?
Thailog80 Posted April 7, 2005 Posted April 7, 2005 Get the report. By law in most states if the damage is over five hundred dollars a report is needed. CYOA Ray.
stuckincincy Posted April 7, 2005 Posted April 7, 2005 After the collision, poor Bambi likely had internal organ damage, bleeding, all sorts of vile things oozing here and there. Consuming road kill is not a good idea.
TheManTheMythTheLegend Posted April 7, 2005 Posted April 7, 2005 all sorts of vile things oozing here and there 298382[/snapback] TBD's new trademark?
The Tomcat Posted April 7, 2005 Posted April 7, 2005 I hit a deer last night and did a significant amount of damage to the vehicle. Do I need to get a police report filled out in order to report it to the insurance carrier? It's not my vehicle......it's my father's and he's away until tomorrow. I may not be alive after he gets home.... 298334[/snapback] If there were no injuries you don't need a police report as long as it is obvious that you hit a deer. The insurance company is going to want to know it actually was a deer and not that you fell asleep at the wheel and went off the road and hit a tree. Assuming you have COMPREHENSIVE insurance it will be covered less the deductible. You should offer to pay that to your dad if you have one. The insurance adjustor will look for deer hair and blood on the car as proof. If thats not obvious you may want to call the police and let them know just to cover your ass. You should write down what happened on a piece of paper and possible take some photos should you need to prove the deer story. If the car is left out in the rain it may wash evidence away and if your not telling your insurance company for a few days you should think of this. If you not listed on your parents policy it will still be covered. I would suggest that you tell your dad asap and get it reported. Unless your going to try to get it fixed and not tell the insurance company. I can't stress enough about having deer hair or blood on the car when the adjustor comes to look at it. good luck....
gantrules Posted April 7, 2005 Author Posted April 7, 2005 I'd let my father know...but he's away on a cruise. That's gonna be a great icebreaker when I pick them up from the airport tomorrow. My grandmother told me to tell him if he was worth a damn as a hunter he would of shot that deer during the season and then I wouldn't have hit it. I've got deer hair stuck in to the cracks of the damage that was done. I felt awful for the deer. The damn thing flew about 10 feet in the air and about 50 yards away from the car. It died on the spot. Kicked and shook for a minute and then just died. I will definately pay the deductible.
erynthered Posted April 7, 2005 Posted April 7, 2005 I I felt awful for the deer. . 298410[/snapback] Screw the Deer, you're lucky YOU were not killed.
Dan Gross Posted April 7, 2005 Posted April 7, 2005 The good news is that car-deer is considered "no fault," so it shouldn't raise his rates (at least if he's with the right company). In fact, if he has any sort of "accident free" discount, he should still maintain that. That's at least been my experience with my insurance carrier with 2 deers worth of experience. Get the report. Certain states do require it if the damage is over $500. I believe that's intended to prevent insurance fraud. Call the insurance company and report it as well.
elcrusho Posted April 7, 2005 Posted April 7, 2005 it's my father's and he's away until tomorrow. I may not be alive after he gets home.... 298334[/snapback] Seriously though that sucks... "Relax, My old man is a television repairman, he's got this ultimate set of tools. I can fix it."
HurlyBurly51 Posted April 7, 2005 Posted April 7, 2005 The good news is that car-deer is considered "no fault," so it shouldn't raise his rates (at least if he's with the right company). In fact, if he has any sort of "accident free" discount, he should still maintain that. That's at least been my experience with my insurance carrier with 2 deers worth of experience. Get the report. Certain states do require it if the damage is over $500. I believe that's intended to prevent insurance fraud. Call the insurance company and report it as well. 298418[/snapback] It's also about frequency. Get enough "no faults" and your risk rating will still change, affecting your rates. If this is the only accident he should get a flier.
sweet baboo Posted April 7, 2005 Posted April 7, 2005 If there were no injuries you don't need a police report as long as it is obvious that you hit a deer. The insurance company is going to want to know it actually was a deer and not that you fell asleep at the wheel and went off the road and hit a tree. 298387[/snapback] or a jogger or hitchhiker
Movinon Posted April 7, 2005 Posted April 7, 2005 Seriously though that sucks... "Relax, My old man is a television repairman, he's got this ultimate set of tools. I can fix it." 298493[/snapback] Fast Times - My exact thoughts
mead107 Posted April 7, 2005 Posted April 7, 2005 what time did it happen ? anyone in the car with you ? i do belive in ny you are to call the police . call your dads agent and ask him what to do .
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