Garage door collision - Please help - URGENT

[maverick601in]

Hi, need your help urgently and hope you can help..

[user01]

Couldn't you use your insurance to cover? Just call your insurance company and tell them what happened.

[sickcars]

At this point since you hit the door because of your mistake I dont think you have anything working for you that would get you out of paying for the damage even if the sensor was not working.

yes I realize you were there for 2-3min and its on video tape and so on but Still you dont smash into things when they dont work (not that you did it on purpose) just giving an example, you should of just parked the car and told the owner about it.

So anyways the door NEEDS to be fixed ASAP because of constant cars and security reasons so I dont think you can say hey I dont want to pay an extra $300 to get this fixed when Company B will do it for cheaper since youbroke the door.

My suggestion, pay for the door and go on with your life, you cant win this one.

[mkerian]

The cost of avoiding insurance will most definitely be much higher than going through insurance. And face it, you drove into the garage door, any argument you try to field will always be met with that.

This is what insurance is for, mistakes. I'd use it and move on.

[goleafsgo5]

Your automobile policy liability coverage should handle what...... if you don't want to go through insurance.... your cooked you don't have a leg to stand on....... sorry it sucks but your cooked

[UberDave]

I highly doubt that paying for the garage door out of your pocket will be cheaper than facing increased insurance rates you will face.

Call your insurance co. asap.

[thelefteyeguy]

I highly doubt that paying for the garage door out of your pocket will be cheaper than facing increased insurance rates you will face.

Call your insurance co. asap.

well since we don't have all the info (ie his driving record)...i dont think we can assess which one is more expensive.

if he has already 1 claim on his record...another one might put him into facility insurance....on a new car would easily be 6K+ for 2/3 years...4-5K for the remaining few years to 6 years.

so you do the math...


(btw...he doesnt need to call insurance yet...just wait for the quote first)


also to the OP...you are shiet out of luck on choosing who to repair the door since you are the one that doesnt want to go thru insurance...the condo manager can just be an ass and go through insurance if it must.

[blainehamilton]

An automated condo door costs a couple of thousand or more to install. Even if just the door panel needs replacement, your bill is going to be 4 digits.

[thelefteyeguy]

An automated condo door costs a couple of thousand or more to install. Even if just the door panel needs replacement, your bill is going to be 4 digits.

insurance can run you 5 digits over 6 years...



(btw...to the OP...did you dent it or totally demolished it...ie will the quote be for a new door or repair?)

[thelefteyeguy]

The tracks, the sensor, and the other mechanical parts were all undamaged. However the entire door panel was squished...it looks like that its going to be a new door.

are you over 25? and have a clean claim record? or how many claims do you have?

[UberDave]

OP, do you have an insurance broker or do you deal with your insurance directly? ie a company like State Farm.

If you have a broker you can call them and talk it through with them to get some advice without actually making a claim. Brokers are great and will be able to tell you what the best direction is for your wallet. If you deal directly with your insurance co. though don't call unless you decide you want to make a claim.

Also, if damage is over $700 here doesn't the law require police be called regardless of any charges? or is that only for car on car collisions.

[thelefteyeguy]

OP, do you have an insurance broker or do you deal with your insurance directly? ie a company like State Farm.

If you have a broker you can call them and talk it through with them to get some advice without actually making a claim. Brokers are great and will be able to tell you what the best direction is for your wallet. If you deal directly with your insurance co. though don't call unless you decide you want to make a claim.

Also, if damage is over $700 here doesn't the law require police be called regardless of any charges? or is that only for car on car collisions.

the problem right now is he doesnt have a quote for the door...not sure if the broker can help that much.

[Pete_Coach]

Do you have home insurance? You may be covered as it can be classified as damage to part of your home. Worth a try.

[thelefteyeguy]

Do you have home insurance? You may be covered as it can be classified as damage to part of your home. Worth a try.

i think he's a tenant at a condo...so prob not, secondly the garage area wouldnt be covered under the suite insurance anyways.

OP...you are likely to be kicked into facility insurance so 5-7k could be in order per year on the premium. You could call your broker to see if the insurance company would still cover you if you have 2 claims within 2.5 years apart.

[golden]

If a double home garage door costs couple thousands, the condo one will be much more expensive. Plus damage on your car (which is likely another few thosands $ with bumper, headlight, and prossibly hood damage). I think insurance is the way to go even if it means increase in premium.