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Old 09-12-2005, 17:01   #1 (permalink)
Quiet Desperation
Guest
 
Posts: n/a
I need a hug :(

Driving to work on the freeway this morning the Mustang, when out of
nowhere comes this... thing. Looked like a two foot square piece of
dirty aluminum foil, maybe a heat shield or something dropped off some
old junker. It hit the front driver's side corner and went... who knows
where. There was no one to my left so it probably wound up next to the
center divider. It happened so fast the nerve impulses to take evasive
action were still traveling through my system.

No dents or major body damage, but deep scratches, some to the metal,
all around and about the front corner of the car. On the bumper, the
leading edge of the hood, the window over the headlight and even a
couple on the side panel. It could not have been a worse shape hitting
at a worse angle to damage more parts if you tried.

So, email into Insurance lady and I guess going for estimates the rest
of the week. This is going to be expensive. :( Replace the headlight
assembly and probably paint the hood, bumper and side panel. I forget
what my deductable is.

Yeah, it's a Monday.

And now, I must swear. ****!
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Old 09-12-2005, 17:01   #2 (permalink)
.boB
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Posts: n/a
Re: I need a hug :(

Quiet Desperation wrote:
> Driving to work on the freeway this morning the Mustang, when out of
> nowhere comes this... thing. Looked like a two foot square piece of
> dirty aluminum foil, maybe a heat shield or something dropped off some
> old junker. It hit the front driver's side corner and went... who knows
> where. There was no one to my left so it probably wound up next to the
> center divider. It happened so fast the nerve impulses to take evasive
> action were still traveling through my system.
>
> No dents or major body damage, but deep scratches, some to the metal,
> all around and about the front corner of the car. On the bumper, the
> leading edge of the hood, the window over the headlight and even a
> couple on the side panel. It could not have been a worse shape hitting
> at a worse angle to damage more parts if you tried.
>
> So, email into Insurance lady and I guess going for estimates the rest
> of the week. This is going to be expensive. :( Replace the headlight
> assembly and probably paint the hood, bumper and side panel. I forget
> what my deductable is.
>
> Yeah, it's a Monday.
>
> And now, I must swear. ****!


Be very careful about filing a claim for this. The insurance company will
probably classify this as your fault. They will pay for the damage, and you pay the
deductible. Then they'll raise your rates for a few years. $1,000 in damage ends up
costing you $1500 with a 50% profit to the insurance company.
Been there, done that, learned the hard way.

--
..boB
1997 HD FXDWG - Turbocharged!
2001 Dodge Dakota QC 5.9/4x4/3.92
1966 Mustang Coupe - Daily Driver
1965 FFR Cobra - Finally on the Road!

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Old 09-12-2005, 17:01   #3 (permalink)
Backyard Mechanic
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Posts: n/a
Re: I need a hug :(

Heh... prolly a heat shield off a rusty 84 Camabird with an Earnhardt
sticker on the rear window. Those bastards!

Quiet Desperation <nospam@nospam.com> wrote in news:120920051613388273%
nospam@nospam.com:

> Driving to work on the freeway this morning the Mustang, when out of
> nowhere comes this... thing. Looked like a two foot square piece of
> dirty aluminum foil, maybe a heat shield or something dropped off some
> old junker. It hit the front driver's side corner and went... who knows
> where. There was no one to my left so it probably wound up next to the
> center divider. It happened so fast the nerve impulses to take evasive
> action were still traveling through my system.
>
> No dents or major body damage, but deep scratches, some to the metal,
> all around and about the front corner of the car. On the bumper, the
> leading edge of the hood, the window over the headlight and even a
> couple on the side panel. It could not have been a worse shape hitting
> at a worse angle to damage more parts if you tried.
>
> So, email into Insurance lady and I guess going for estimates the rest
> of the week. This is going to be expensive. :( Replace the headlight
> assembly and probably paint the hood, bumper and side panel. I forget
> what my deductable is.
>
> Yeah, it's a Monday.
>
> And now, I must swear. ****!
>


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Old 09-12-2005, 18:01   #4 (permalink)
Quiet Desperation
Guest
 
Posts: n/a
Re: I need a hug :(

In article <Xns96CFC8D688DEEpettyfogery@207.115.63.158>, Backyard
Mechanic <pettyfog@yaywho.com> wrote:

> Heh... prolly a heat shield off a rusty 84 Camabird with an Earnhardt
> sticker on the rear window. Those bastards!


Guy at work suggested it was a Mini Cooper. :)
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Old 09-12-2005, 18:01   #5 (permalink)
Quiet Desperation
Guest
 
Posts: n/a
Re: I need a hug :(

In article <43261108$0$50849$ec3e2dad@news.usenetmonster.com>, .boB
<bobcowan@access4less.nospam.net> wrote:

> Be very careful about filing a claim for this. The insurance company
> will
> probably classify this as your fault. They will pay for the damage, and you
> pay the
> deductible. Then they'll raise your rates for a few years. $1,000 in damage
> ends up
> costing you $1500 with a 50% profit to the insurance company.
> Been there, done that, learned the hard way.


Well... they've been good to me so far. We'll see. This could be a lot
more than $1000 if they have to pull three large parts off and repaint.

I could always switch to Geico right after. ;-)
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Old 09-12-2005, 18:01   #6 (permalink)
Scott Van Nest
Guest
 
Posts: n/a
Re: I need a hug :(

Keep this in mind. Someone else always has it worse off. My father just
had a triple bypass this afternoon. This should be a fun week at the
hospital. Be glad its just a hunk of metal that is scrapped up.

Scott
"Quiet Desperation" <nospam@nospam.com> wrote in message
news:120920051613388273%nospam@nospam.com...
> Driving to work on the freeway this morning the Mustang, when out of
> nowhere comes this... thing. Looked like a two foot square piece of
> dirty aluminum foil, maybe a heat shield or something dropped off some
> old junker. It hit the front driver's side corner and went... who knows
> where. There was no one to my left so it probably wound up next to the
> center divider. It happened so fast the nerve impulses to take evasive
> action were still traveling through my system.
>
> No dents or major body damage, but deep scratches, some to the metal,
> all around and about the front corner of the car. On the bumper, the
> leading edge of the hood, the window over the headlight and even a
> couple on the side panel. It could not have been a worse shape hitting
> at a worse angle to damage more parts if you tried.
>
> So, email into Insurance lady and I guess going for estimates the rest
> of the week. This is going to be expensive. :( Replace the headlight
> assembly and probably paint the hood, bumper and side panel. I forget
> what my deductable is.
>
> Yeah, it's a Monday.
>
> And now, I must swear. ****!



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Old 09-12-2005, 20:01   #7 (permalink)
Kate
Guest
 
Posts: n/a
Re: I need a hug :(

Oh man, that bites!
BUT!~
It should be covered by your Comprehensive coverage!
With luck you carry a low deductible on it.... and it will be ok!

So sorry to hear about your bad luck.

--
Kate
2O|||||||O5 Liberty


"Quiet Desperation" <nospam@nospam.com> wrote in message
news:120920051613388273%nospam@nospam.com...
: Driving to work on the freeway this morning the Mustang, when out of
: nowhere comes this... thing. Looked like a two foot square piece of
: dirty aluminum foil, maybe a heat shield or something dropped off some
: old junker. It hit the front driver's side corner and went... who knows
: where. There was no one to my left so it probably wound up next to the
: center divider. It happened so fast the nerve impulses to take evasive
: action were still traveling through my system.
:
: No dents or major body damage, but deep scratches, some to the metal,
: all around and about the front corner of the car. On the bumper, the
: leading edge of the hood, the window over the headlight and even a
: couple on the side panel. It could not have been a worse shape hitting
: at a worse angle to damage more parts if you tried.
:
: So, email into Insurance lady and I guess going for estimates the rest
: of the week. This is going to be expensive. :( Replace the headlight
: assembly and probably paint the hood, bumper and side panel. I forget
: what my deductable is.
:
: Yeah, it's a Monday.
:
: And now, I must swear. ****!


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Old 09-12-2005, 20:01   #8 (permalink)
Kate
Guest
 
Posts: n/a
Re: I need a hug :(

My experience with things like this, rocks and windshields, rocks and
fenders from a gravel truck, it has always been a no brainer on my comp, and
no increase in premiums. It was a road hazard, not your fault. Nothing you
could do ao avoid it.

--
Kate
2O|||||||O5 Liberty


"Quiet Desperation" <nospam@nospam.com> wrote in message
news:120920051701238069%nospam@nospam.com...
: In article <43261108$0$50849$ec3e2dad@news.usenetmonster.com>, .boB
: <bobcowan@access4less.nospam.net> wrote:
:
: > Be very careful about filing a claim for this. The insurance
company
: > will
: > probably classify this as your fault. They will pay for the damage, and
you
: > pay the
: > deductible. Then they'll raise your rates for a few years. $1,000 in
damage
: > ends up
: > costing you $1500 with a 50% profit to the insurance company.
: > Been there, done that, learned the hard way.
:
: Well... they've been good to me so far. We'll see. This could be a lot
: more than $1000 if they have to pull three large parts off and repaint.
:
: I could always switch to Geico right after. ;-)


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Old 09-12-2005, 21:01   #9 (permalink)
Spike
Guest
 
Posts: n/a
Re: I need a hug :(

As for reflexes... think of it this way.... you got dinged, but, had
your reflexes kicked in, it might have ended up coming through your
windshield. No matter how bad things seem, they could be worse!
A car can be repaired or replaced. A piece of sheet metal severing
your head from your shoulders is reportedly a very hard repair job.

On Mon, 12 Sep 2005 16:13:38 -0700, Quiet Desperation
<nospam@nospam.com> wrote:

>Driving to work on the freeway this morning the Mustang, when out of
>nowhere comes this... thing. Looked like a two foot square piece of
>dirty aluminum foil, maybe a heat shield or something dropped off some
>old junker. It hit the front driver's side corner and went... who knows
>where. There was no one to my left so it probably wound up next to the
>center divider. It happened so fast the nerve impulses to take evasive
>action were still traveling through my system.
>
>No dents or major body damage, but deep scratches, some to the metal,
>all around and about the front corner of the car. On the bumper, the
>leading edge of the hood, the window over the headlight and even a
>couple on the side panel. It could not have been a worse shape hitting
>at a worse angle to damage more parts if you tried.
>
>So, email into Insurance lady and I guess going for estimates the rest
>of the week. This is going to be expensive. :( Replace the headlight
>assembly and probably paint the hood, bumper and side panel. I forget
>what my deductable is.
>
>Yeah, it's a Monday.
>
>And now, I must swear. ****!


Spike
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior; Vintage 40
16" rims w/BF Goodrich Comp T/A gForce Radial
225/50ZR16 KDWS skins; surround sound audio-video.

Gad what fools these morons be....
Children are obscene but should not be heard
Give me a peperoni pizza... or give me a calzone!
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Old 09-12-2005, 21:01   #10 (permalink)
Spike
Guest
 
Posts: n/a
Re: I need a hug :(

My condolences and best wishes.

Been there, done that with my father, and then my turn. A 4 way for me
(3 for him), 5 years apart.

It's amazing the improvements made in those 5 years. And a friend had
his the year after me and they didn't even have to crack his chest (if
all the repairs are on the front side). I was in and out of the
hospital in 3 days. Dad was a 5 day stay, and a month of recovery. My
friend was out in 1.5 days and back to work in 2 weeks.

The good thing is, it could have been a flying piece of sheet metal
coming through his windshield. Things, as you say, could always be
worse.

On Mon, 12 Sep 2005 19:45:51 -0500, "Scott Van Nest"
<scottvannest@cox.net> wrote:

>Keep this in mind. Someone else always has it worse off. My father just
>had a triple bypass this afternoon. This should be a fun week at the
>hospital. Be glad its just a hunk of metal that is scrapped up.
>
>Scott
>"Quiet Desperation" <nospam@nospam.com> wrote in message
>news:120920051613388273%nospam@nospam.com...
>> Driving to work on the freeway this morning the Mustang, when out of
>> nowhere comes this... thing. Looked like a two foot square piece of
>> dirty aluminum foil, maybe a heat shield or something dropped off some
>> old junker. It hit the front driver's side corner and went... who knows
>> where. There was no one to my left so it probably wound up next to the
>> center divider. It happened so fast the nerve impulses to take evasive
>> action were still traveling through my system.
>>
>> No dents or major body damage, but deep scratches, some to the metal,
>> all around and about the front corner of the car. On the bumper, the
>> leading edge of the hood, the window over the headlight and even a
>> couple on the side panel. It could not have been a worse shape hitting
>> at a worse angle to damage more parts if you tried.
>>
>> So, email into Insurance lady and I guess going for estimates the rest
>> of the week. This is going to be expensive. :( Replace the headlight
>> assembly and probably paint the hood, bumper and side panel. I forget
>> what my deductable is.
>>
>> Yeah, it's a Monday.
>>
>> And now, I must swear. ****!

>


Spike
1965 Ford Mustang fastback 2+2 A Code 289 C4 Trac-Lok
Vintage Burgundy w/Black Standard Interior; Vintage 40
16" rims w/BF Goodrich Comp T/A gForce Radial
225/50ZR16 KDWS skins; surround sound audio-video.

Gad what fools these morons be....
Children are obscene but should not be heard
Give me a peperoni pizza... or give me a calzone!
  Reply With Quote
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