Car Insurance QuestionFollow

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?

I did talk to her today. Luckily I haven't had to use their services in close to eight years. But given the circumstances I was a bit surprised to see I had to pay the deductible. The best part is that where I parked in the lot is under one of the lights and directly under the fucking videocamera and the guard didn't see ****.

As far as this being an "act of god" or not, I'd say probably not. Acts of god are gonna be more like weather related claims and even the collision with the deer seems an awfully liberal addition. I really doubt they'd include vandalism, because they'd pretty much have to include theft, too, and then why even bother carrying a low deductible like yours? You could raise it to the max they offer and save on your premium, seeing as how there'd basically be no eventuality which would demand a deductible.

I don't think it's an Act of God. Acts of God have to do more with things that are out of your control such as a hurricane, tornado, animals running into your car, etc.

If anything, I would at least file a complaint with the security company, if possible. If security wasn't being done correctly, you might have a claim there for them to at least pay your deductible.

Sorry about the watch. That sucks. At the very least, file a police report for the watch. Some police departments let area pawn shops and jewelry shops know when valuables are stolen.

Ya, you'll probobly have to pay. Even if the crackhead in question thought he was god at the time.

And sorry to hear about the watch >.<

This is true Git. But there's more to it. This is the third break-in in the last two weeks of employee's vehicles. So it's now a recurring problem. Our building also houses the Shadyside School of Nursing on the second floor. They also had two cars broken into in the last three weeks. So five total cars in three weeks.

Hmm, I'll be right back. I need to go outside for some.....air....

I'm sorry to hear you bought a Chevy as well.

My uncle runs a dealership right near where Kelvy lives. My entire family drives Chevy's.













Shut up Bodhi.

The deductible is applicable, no theft and vandalism is not an act of God. Since it's a new car you might want to ask your agent if they offer gap insurance. As it is if your cars totaled the insurance company will only pay the depreciated amount, which probably wouldn't cover the loan. The company I write for offers this so if your new cars totaled we get you a new car. We also have deductible rewards; so if you'd been signed up 5yrs w/a 500$ deductible then you wouldn't have had to pay the deductible, getting 100$ off at each renewal.

Varus

It's only a few miles away from him Elne. Sport Chevrolet in Silver Springs. And I only ended up having to pony up $100 so I'm not all that upset by it. Just curious about it.

Oh thought it was the one in Baltimore/Parkville. Since thats where kelvy lives.

File a police report. Its not an act of god its an act of theft.
(Above quote from Jonwin. ) DOnt leave valuables in your car.

Sorry for the late response. That was the thing that pissed me off the most. There was absolutely nothing on my seats, in the tailgate, nothing at all. The only thing that was out in the open was a handful of loose change in the ashtray. Everything on mine right now is strictly factory. Good to hear you're up to 15k miles and no problems though.