sullygully
07-09-2005, 02:28 PM
Last night driving back from the Calgary stampede I hit the tread off of a tractor tire, as I did not see it until the last seconds and could not avoid it. It had just come off the truck about a minute after I hit it, as he was on the side of the road about 200 meters down.
Anways, I have some considerable amount of damabe to my front and back bumpers. I can't file a claim until Monday, but I'm wondering if I should even bother.
Does anyone know how it works when filing a claim if you have aftermarket bumpers(body kit) on your car. I'm wondering if they will even pay to replace them since they are not OEM, and I haven't told my insurance company about the mods.
Also, is this entirely the truck company's fault do to a faulty tire. And if so, does that mean i shouldn't have to pay my deductable. Or is it either way i will have to pay my deductable.
And, will my insurance go up because of this?
I made sure to stop and exchange info with the driver.
If anyone has been in this kind of situation, or works for an insurance company any feedback on this would be great.
Heres some pics of the damage.
http://i7.photobucket.com/albums/y285/sullygully/CamPic58.jpg
http://i7.photobucket.com/albums/y285/sullygully/CamPic62.jpg
http://i7.photobucket.com/albums/y285/sullygully/CamPic60.jpg
P.S. I know my car is very low to the ground, but just and FYI, the width of the tire was about 14 inches, and looking at what it did to my back bumper, i'm assuming even a modestly lowered car would have sustained considerable damage.
My kit is made of abs plastic which is the most forgiving material out there, so you can get an idea of how big of an impact it was. I couldn't imagine the damage that would have been if it was fiberglass. I'm sure half the bumper would be smashed.
Anways, I have some considerable amount of damabe to my front and back bumpers. I can't file a claim until Monday, but I'm wondering if I should even bother.
Does anyone know how it works when filing a claim if you have aftermarket bumpers(body kit) on your car. I'm wondering if they will even pay to replace them since they are not OEM, and I haven't told my insurance company about the mods.
Also, is this entirely the truck company's fault do to a faulty tire. And if so, does that mean i shouldn't have to pay my deductable. Or is it either way i will have to pay my deductable.
And, will my insurance go up because of this?
I made sure to stop and exchange info with the driver.
If anyone has been in this kind of situation, or works for an insurance company any feedback on this would be great.
Heres some pics of the damage.
http://i7.photobucket.com/albums/y285/sullygully/CamPic58.jpg
http://i7.photobucket.com/albums/y285/sullygully/CamPic62.jpg
http://i7.photobucket.com/albums/y285/sullygully/CamPic60.jpg
P.S. I know my car is very low to the ground, but just and FYI, the width of the tire was about 14 inches, and looking at what it did to my back bumper, i'm assuming even a modestly lowered car would have sustained considerable damage.
My kit is made of abs plastic which is the most forgiving material out there, so you can get an idea of how big of an impact it was. I couldn't imagine the damage that would have been if it was fiberglass. I'm sure half the bumper would be smashed.