Ok I just purchases a 2007 Chevrolet HHR two weeks ago. I received an initial payment from State Farm of about ten bucks since the overall rate went down. Fast forward to last night. I was leaving work and went to my car and realized all my **** was strewn all over the seats.
Walk around to the other side and sure enough the rear passenger side window is smashed in. Fucker took the watch my father gave me before he died, which was broken and I had in the glovebox to take to the store to have fixed.
But I digress. I take it to the Chevy dealership today and file my insurance claim and leave the car at the dealership. Total damages were the window, the seal around the window itself, and the door panel is scratched to ****. The estimate ended up being $894.12 My deductible is 100.00 and it's being filed under Comprehensive.
Now here is my question. Under Coprehensive you don't pay the deductible for accidents/incidents that are defined as "Acts of God." Would this fall under that category? Or is it going to fall under the "Acts of a Crackhead" law?
The reason I ask is because the last time I had to use my insurance I had hit a deer and did not have to pay the deductible. Thoughts? Experiences?