uh yeah...it might be ok to jb weld a yamaha atv, but this is a 45k lexus. We're talking apples and filet mignon here. They're both food products, but you wouldn't bake a filet mignon pie would you?

 

Hair pie...

 

hey out of curiousity are you paying for your loaner car? If not is your insurance company or is Lexus (which would be implied by 'loaner') paying? I'm getting some work done on my IS at the dealer's shop and they said I or my insurance have to pay for the rental.

 

yeah well if its something that isnt covered under warranty than you have to pay for the loaner car. I believe my insurance will be paying for everything...but as of right now I'm not sure about anything. Let me correct myself, the only thing I'm sure of is that the Buick lucerne they lent me blows donkey ***...and I miss my crystal white IS350 like whoa!!

 

Why would insurance pay for the loaner. Is insurance paying for the repair?

 

under your comprehensive coverage (read: act of god), if you have rental insurance built into your policy, they will pay for it. of course it has to be covered as a comprehensive claim. I hit one of those big treads off a semi and the determination of whether it was comprehensive or not was weather the tread was moving when i hit it or not....of course it was so no surcharge on the premium or lost discounts.

 

I seriously doubt a punctured tank counts as "act of God". More like an act of road deris. What about a flat tire? Where do you draw the line? Why would you even submit a claim and pay a deducible for something like that.

 

From my auto policy: "Loss caused by the following is covered under Comprehensive Coverage and is not considered Collision: fire; missiles or falling objects; hail, water or flood; malicious mischief or vandalism; theft or larceny; riot or civil commotion; explosion or earthquake; contact with bird or animal; windstorm; or breakage of window or glass (unless caused by a collision, you may elect to have it considered a loss caused by a collision)."

The language "loss caused by...missiles" would appear to apply to damage from something that punctures a gas tank.

Also, "Road damage to tires is not covered" under a separate exclusion in the policy.

So I would draw a line here and submit a comprehensive claim for the punctured gas tank. You ask why submit a claim a pay a deductible for something like that--because you're paying for it through your annual insurance premiums, and based on my math a $500 dollar deductible is a lot less than a $1300 bill for a new gas tank. But then maybe you're using new math for your calculations. Also, since it's not an at-fault accident, it should not affect your rates.

Still think your right?

 

Should not affect your rates. hahaha. LMAO.

 

Dude, you shouldn't pay 1 cent... Lexus should pay 100%... Settle for nothing less...

 

Well, I notice you are not disputing my other points on policy coverage. As to whether a comprehensive claim affects rates, if you feel that way, then you would carry a very high comprehensive deductible, or not carry this type of insurance at all.

By the way, I've had windshields replaced and filed other comprehensive claims in the past and not had any increase in my comprehensive rates. My experience.

Perhaps we can hear from someone on the board who actually is in the business of underwriting auto insurance and who can answer this question definitively.

In the meantime, keep coming with those well-researched posts. LOL

 

Absolutely incorrect, particularly when it comes to windshields and required states. I have proof. Solid proof as in the facts, not just

My policy has accident forgiveness program and it also states the conditions that will not incur an increase. I have GEICO.

 

Ok, we'll call it even. I'm made a couple comprehensive claims and my first [reasonable] accident will be forgiven. No raise in my rates. The statement above should change from "anytime" to "sometimes." The topic is about the OPs gas tank which if I were him, I'd make the claim.

 

I did not know "catergory" was a word. Anyway, I was able to figure out that you probably meant to say category.

In my case glass breakage is covered under the Comprehensive section (or category) of my policy, which basically covers any damage not related to a collision. Yes, MA is a tough state for insurance, but like I said earlier, I've had several other comprehensive claims that I filed in NJ other than glass breakage that did not result in an increase in premiums.

In one case, a 50-60 mph wind flung the door open on my wife's car when she was getting into the car--the door hit the pole and bent the door. A $1200 plus claim. I filed it as a comprehensive claim and at first the insurance company tried to say it was a collision. I said that the car was stationary at the time so it could not be collision--no one was driving, it was an act of God--he made the wind blow.

I then asked to speak to the supervisor/underwriter because I didn't think that the claims adjuster was smart enough to interpret the policy language, and in fact was probably only empowered to process straightforward claims and deny every thing else including my claim (it mattered because my deductible for comprehensive was $500, while my collision deductible was $1000).

The underwriter/supervisor then reviewed the claim and said that it was a grey area, but that I had a valid point--based on his review of the facts and circumstances, my claim was approved under the comprehensive section of the policy. He chuckled and admitted that he did not see many of these types of claims, but I got the check and there was no increase in my premium next renewal.

So, my advice is to question everything, maybe your insurance company made a mistake.

 

Sorry OLP, I saw it as a humerous typo--thought you would too. Anyway, if the Pope can apologize, I guess I can too.

At least we are in agreement that a lot of people are too quick to sue. Peace.