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Old 10-25-2009, 05:56 PM   #31
328trackrat
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It is only 50-50 if both parties are driving. Not if one is parked with no occupants. At least that is what occurred when our car got hit in a parking lot with 3g damage.
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Old 10-25-2009, 07:51 PM   #32
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The driver probably forgot to put the gear in reverse.
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Old 10-25-2009, 11:44 PM   #33
R1C3RCKT
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hmmmmm..... so whats big enough to do that to an x5?
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Old 10-26-2009, 01:36 AM   #34
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This

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Old 10-26-2009, 07:17 AM   #35
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Quote:
Originally Posted by Redster View Post
This


Ha! I think mine would do a better job!!!!!!!
Twice the clearance and twice the size( keep in mind that on that pic the airbags are at the lowest setting)!!!!
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Old 10-26-2009, 08:52 AM   #36
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here's a truck to crush all trucks - a 14,500 pound beast with 7 miles to the gallon! Only $115,000.
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Old 10-26-2009, 09:17 AM   #37
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chinese driver
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Old 10-26-2009, 09:54 AM   #38
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^^ nice gif

Quote:
Originally Posted by slemmer
Why wouldn't be a comprehensive claim?
If the X5 had hung around or left a note then the damage to the parked cars would be paid under the DCPD (direct compensation property damage) portion of their respective auto policies. Typically no deductible would apply.

Because the X5 took off, Hit and run, the damage is paid under the collision portion of the policy, provided they carry that coverage, and would be subject to the deductible. If they don't have collision, they are up a creek without a paddle. (Legally they can't even sue the driver of the X5 for the damage)

Comp claims are: fire, theft (or attempt of theft), vandalism, flying/falling objects etc, not moving vehicle on vehicle damage. So if that X5 fell out of a plane, then it's comp. (provided that the falling X5 isn't considered an act of war , then it would be excluded)

Quote:
Originally Posted by 328trackrat
It is only 50-50 if both parties are driving. Not if one is parked with no occupants...
That's right. Though, even if you are in your car, but it's in park (where it should be, not in a through-fare), you can usually avoid being held at fault. Parking lots are tricky business! If you open your door and ding the car beside you, that is rated as an at fault against you
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Old 10-26-2009, 11:09 AM   #39
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^ what if they claim it as a form of vandalism.
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Old 10-26-2009, 11:57 AM   #40
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but on a more serious note...this would crush it the best...

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Old 10-26-2009, 11:59 AM   #41
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Damage caused by another vehicle, even if intentional, is categorized as a collision claim and is paid out under either DCPD or collision portions of your policy. If there were no obvious signs that the damage was caused by a vehicle, the claim may have a chance as being classed as vandalism.
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Old 10-26-2009, 12:44 PM   #42
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Thats my black 540 on the left 1 car over next to the corrola!! The one day my bro takes it to work its almost a part of a mass destruction.
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Old 10-27-2009, 02:07 AM   #43
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Quote:
Originally Posted by MarkD View Post
It was a gay Chinese Muslim woman driver and her burka slipped just as she drove into the spot, causing her to lose control while parking.

Now beat that one!

ROTFLMAO, you really killed me with this one!
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Old 10-27-2009, 09:59 AM   #44
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Quote:
Originally Posted by hockeyfan27 View Post
Damage caused by another vehicle, even if intentional, is categorized as a collision claim and is paid out under either DCPD or collision portions of your policy. If there were no obvious signs that the damage was caused by a vehicle, the claim may have a chance as being classed as vandalism.
I just called my insurer for some quotes and asked this question. You're right. Comprehensive is fire, theft and vandalism. Damage caused by another vehicle is a collision claim.
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Old 10-27-2009, 11:19 AM   #45
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just for detail's sake:

from the Ontario auto policy:
( http://www.fsco.gov.on.ca/ENGLISH/fo...oap1-10-03.pdf Section 7 )

Specified Perils - we will only pay for losses caused by fire; theft or
attempted theft; lightning, windstorm, hail, or rising water; earthquake;
explosion; riot or civil disturbance; falling or forced landing of aircraft or
parts of aircraft; or the stranding, sinking, burning, derailment or collision of
any kind of transport in, or upon which a described automobile is being
carried on land or water.

Comprehensive - we will pay for losses, other than those covered by
Collision or Upset, including:
  • perils listed under Specified Perils,
  • falling or flying objects,
  • missiles, and
  • vandalism.

Collision or Upset - we will pay for losses caused when a described
automobile is involved in a collision with another object or tips over. Object
includes:
  • another automobile that is attached to the automobile,
  • the surface of the ground, and
  • any object in or on the ground.
All Perils - this option combines the coverages of Collision or Upset and
Comprehensive. This coverage includes loss or damage caused if a person
who lives in your household steals a described automobile. Coverage also
applies if an employee who drives or uses, services or repairs a described
automobile, steals it.

7.2 Loss or Damage We Won't Cover
7.2.1 General
We will not cover the following losses unless they result from a peril for which
you are covered or they are caused by fire, theft or vandalism and your policy
covers these perils:
  • to tires;
  • consisting of, or caused by mechanical fracture or breakdown of any part of the automobile; or
  • consisting of, or caused by rusting, corrosion, wear and tear, freezing, or
  • explosion within the engine.
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