I let my father drive my Jeep

PerfectionsFlawPerfectionsFlaw Join Date: 2003-02-14 Member: 13555Members
edited October 2007 in Off-Topic
<div class="IPBDescription">this is what happens..</div>Okay, so I owned a Jeep Cherokee 90' about a year back. It was used and old enough to be my little brother. After a while things start to go wrong, as the often do with cars that are this old. So I sell it for $1,500 and buy a 2004 Jeep Liberty Sport.
<a href="http://paintedover.com/uploads/show.php?loc=0735&f=1017071657.jpg" target="_blank"><img src="http://img0735.paintedover.com/uploads/thumbs/0735/1017071657.jpg" border="0" class="linked-image" /></a>

So my father has drove it several times, I'm used to him asking to borrow it because his AC is broke in his Taurus. I'm fine with it as long as he puts gas in the tank. I'm unemployed and a homebody so I rarely go out. Maybe once every two weeks now. I go out today with my father and on the way home I see this.

<a href="http://paintedover.com/uploads/show.php?loc=0735&f=1017071659.jpg" target="_blank"><img src="http://img0735.paintedover.com/uploads/thumbs/0735/1017071659.jpg" border="0" class="linked-image" /></a>

What I had thought to be a pine needle the whole trip turned out to be a crack in my windshield. There's no real penetration of the glass but a crack is a crack. It looked like someone had shot a bb gun at my car. After I noticed it he gets quiet. Shortly after we get home he recalls what happened. He was driving to town and a semi passed him. Something hit the windshield, though he could he scanned the window and didn't find a thing.

Of course I am mad, even though it wasn't a preventable accident it was an accident on his watch none-the-less. This however is the real kicker. I've never been in an accident so I've never dealt with an insurance company before. Short of paying out of my ###### to insure my vehicle. $920 for six months. They tell me I have a five hundred dollar deductable, now I know what a deductable is from my health insurance. The crack cannot be repaired and the windshield must be replaced, the lowest estimate is $250. My rage begins here. I've owned the vehicle for almost a year now, full coverage, no accidents and I finally have need of them and I have to pay to fix my vehicle? Wtf am I paying them for? If I have full coverage and I pay on time they need to be taking that money they're swindling and repair my ######ing windshield.

While I worked for Simmons I had life insurance. It was like six bucks a month for accidental death coverage. The coverage extended up to $150,000. There was no ######ing deductable that my family would have to poney up so they could receive the money. If I kicked it, they got paid. So, my car gets damaged and I have to pay to fix it? When I pay more for ######ing vehicle insurance than life insurance? Things like this simply make me want to set the world on fire and smile for the TV cameras.
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Comments

  • LikuLiku I, am the Somberlain. Join Date: 2003-01-10 Member: 12128Members
    Why even replace the windshield? That's so minute.
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  • lolfighterlolfighter Snark, Dire Join Date: 2003-04-20 Member: 15693Members
    edited October 2007
    In all fairness, cars die more than people. But yeah, insurance companies will not pony up the cash if they can avoid it in any way. Who are we to judge them? In true corporate tradition, they are merely trying to make as much money as they can get away with. Hell, even if they were obliged to pay you they would only do so if they'd lose more money (say, through lawsuits) by not paying you.
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  • XythXyth Avatar Join Date: 2003-11-04 Member: 22312Members
    I know 5 people who have had this happen to them, including me. It's always some little pebble that gets kicked up by by a passing 18 wheeler. The spots are hardly noticable though...
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  • DiscoZombieDiscoZombie Join Date: 2003-08-05 Member: 18951Members
    edited October 2007
    I wouldn't have even thought about contacting insurance for something like a cracked windshield... but then again, I've never even had full coverage til last month when I bought my first new car ever.

    anyway, about the deductible - you can probably talk to the insurance company about reducing/eliminating it, at the cost of a slightly higher premium. but as far as the insurance company is concerned, the deductible is doing its job perfectly. if deductibles didn't exist, people would claim every little thing, which would mean a lot more paperwork and a lot more money they'd have to shell out and consequently much higher premiums for everyone... it sounds like you already pay a lot for insurance, though. I pay $720 for full coverage from Progressive in Pennsylvania - maybe you should shop around a bit.

    but yes, that sucks. I got a brand new 2008 Scion last month and had a flat tire 2 weeks later. I knew the tires were warrantied for a year but the dealer told me A) they couldn't fix it and B) it didn't count because there was a pinhole in the side of the tire, which is irreparable apparently and also not a manufacturer's defect covered by the warranty. so, $150 new tire before I even make my first damn car payment. The whole reason I actually bought a new car is because I was sick of driving beat up old things that I had to dump money into all the time... but The Man always has a way of getting you.
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  • DepotDepot The ModFather Join Date: 2002-11-09 Member: 7956Members
    Two things come to mind:<ol type='1'><li>Why didn't your father flag down the semi, or at the very least get the tag number off the vehicle and pertinent company information - trucking companies will pay a claim like this off immediately to stay out of litigation.</li><li>Florida's no fault laws provide for cracked windshield replacement free of charge - I've probably had three replaced in my life cost-free. Does your state / country not have this?</li></ol>
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  • im_lostim_lost TWG Rule Guru Join Date: 2003-04-26 Member: 15861Members
    Hmm, a cracked window. When I had to replace my car window (a year ago), it was because someone (drunk, I assume) decided to tear off the mailbox from the church right by my place and smash it through my rear window. $225, no rear window defroster (I was too cheap to pay for that), there are still pieces of the window in my car today, and there is a nice little gouge on the top of my trunk.
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  • PerfectionsFlawPerfectionsFlaw Join Date: 2003-02-14 Member: 13555Members
    edited October 2007
    <!--quoteo(post=1656486:date=Oct 17 2007, 06:15 PM:name=Depot)--><div class='quotetop'>QUOTE(Depot @ Oct 17 2007, 06:15 PM) <a href="index.php?act=findpost&pid=1656486"><{POST_SNAPBACK}></a></div><div class='quotemain'><!--quotec-->Two things come to mind:<ol type='1'><li>Why didn't your father flag down the semi, or at the very least get the tag number off the vehicle and pertinent company information - trucking companies will pay a claim like this off immediately to stay out of litigation.</li><li>Florida's no fault laws provide for cracked windshield replacement free of charge - I've probably had three replaced in my life cost-free. Does your state / country not have this?</li></ol><!--QuoteEnd--></div><!--QuoteEEnd-->

    Well, simply put my father is a moron.

    I googled Georgia no fault law and couldn't find any decent information on it. Where exactly did you go to make your claim?

    BTW it may be a minute little crack, but I don't want a minute little crack on my windshield. Can't really explain it much better than that.
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  • GwahirGwahir Join Date: 2002-04-24 Member: 513Members, Constellation
    why can't it be repaired? It looks short enough.
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  • DepotDepot The ModFather Join Date: 2002-11-09 Member: 7956Members
    Heck if I remember, I always drove to Lee & Cates Glass and they popped one in for nothing. If your state has no fault the glass place should handle it all. I don't even think I called State Farm.
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  • lolfighterlolfighter Snark, Dire Join Date: 2003-04-20 Member: 15693Members
    <!--quoteo(post=1656494:date=Oct 18 2007, 12:55 AM:name=Gwahir)--><div class='quotetop'>QUOTE(Gwahir @ Oct 18 2007, 12:55 AM) <a href="index.php?act=findpost&pid=1656494"><{POST_SNAPBACK}></a></div><div class='quotemain'><!--quotec-->why can't it be repaired? It looks short enough.<!--QuoteEnd--></div><!--QuoteEEnd-->
    I'm not sure how one would repair a glass pane.
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  • TychoCelchuuuTychoCelchuuu Anememone Join Date: 2002-03-23 Member: 345Members
    <!--quoteo(post=1656473:date=Oct 17 2007, 04:17 PM:name=PerfectionsFlaw)--><div class='quotetop'>QUOTE(PerfectionsFlaw @ Oct 17 2007, 04:17 PM) <a href="index.php?act=findpost&pid=1656473"><{POST_SNAPBACK}></a></div><div class='quotemain'><!--quotec-->While I worked for Simmons I had life insurance. It was like six bucks a month for accidental death coverage. The coverage extended up to $150,000. There was no ######ing deductable that my family would have to poney up so they could receive the money. If I kicked it, they got paid. So, my car gets damaged and I have to pay to fix it? When I pay more for ######ing vehicle insurance than life insurance?<!--QuoteEnd--></div><!--QuoteEEnd-->

    These seem like the sort of questions you ask <i>before</i> you start paying the insurance company.
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  • ZigZig ...I am Captain Planet&#33; Join Date: 2002-10-23 Member: 1576Members
    Holy crap, sh* happens. I thought I was going to click into this thread and see a totalled Jeep. This thread gets 1/5 stars ;/
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  • arcticaarctica Shindiggery innit Join Date: 2005-02-18 Member: 41646Members
    <!--quoteo(post=1656531:date=Oct 17 2007, 07:53 PM:name=Zig)--><div class='quotetop'>QUOTE(Zig @ Oct 17 2007, 07:53 PM) <a href="index.php?act=findpost&pid=1656531"><{POST_SNAPBACK}></a></div><div class='quotemain'><!--quotec-->Holy crap, sh* happens. I thought I was going to click into this thread and see a totalled Jeep. This thread gets 1/5 stars ;/<!--QuoteEnd--></div><!--QuoteEEnd-->

    Yeah, I had the same thoughts. I was expecting the thing to be double wrapped around a tree or hanging off some guy's roof.

    As for the crack...well, those CAN get worse. Eventually it'll become more cracks and just totally spider out all over the pane.
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  • PerfectionsFlawPerfectionsFlaw Join Date: 2003-02-14 Member: 13555Members
    <!--quoteo(post=1656531:date=Oct 17 2007, 08:53 PM:name=Zig)--><div class='quotetop'>QUOTE(Zig @ Oct 17 2007, 08:53 PM) <a href="index.php?act=findpost&pid=1656531"><{POST_SNAPBACK}></a></div><div class='quotemain'><!--quotec-->Holy crap, sh* happens. I thought I was going to click into this thread and see a totalled Jeep. This thread gets 1/5 stars ;/<!--QuoteEnd--></div><!--QuoteEEnd-->

    Sorry to dissapoint, but if it was wrapped around a great oak I probably wouldn't have started a thread about it.
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  • MedHeadMedHead Join Date: 2002-12-19 Member: 11115Members, Constellation
    Wow... a chip in the glass gets this reaction - what if he spilled his coffee, too? The world would explode, it seems.
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  • DepotDepot The ModFather Join Date: 2002-11-09 Member: 7956Members
    I feel sorry for dad. Dads always get a bad wrap, and are terribly underrated. <img src="style_emoticons/<#EMO_DIR#>/sad-fix.gif" style="vertical-align:middle" emoid=":(" border="0" alt="sad-fix.gif" />
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  • ThaldarinThaldarin Alonzi&#33; Join Date: 2003-07-15 Member: 18173Members, Constellation
    <!--quoteo(post=1656569:date=Oct 18 2007, 07:17 AM:name=MedHead)--><div class='quotetop'>QUOTE(MedHead @ Oct 18 2007, 07:17 AM) <a href="index.php?act=findpost&pid=1656569"><{POST_SNAPBACK}></a></div><div class='quotemain'><!--quotec-->Wow... a chip in the glass gets this reaction - what if he spilled his coffee, too? The world would explode, it seems.<!--QuoteEnd--></div><!--QuoteEEnd-->

    The world's going to explode because my starbucks spilled? NOOOOOOOOOOOOOOOOOOOOOO!
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  • PerfectionsFlawPerfectionsFlaw Join Date: 2003-02-14 Member: 13555Members
    <!--quoteo(post=1656569:date=Oct 18 2007, 02:17 AM:name=MedHead)--><div class='quotetop'>QUOTE(MedHead @ Oct 18 2007, 02:17 AM) <a href="index.php?act=findpost&pid=1656569"><{POST_SNAPBACK}></a></div><div class='quotemain'><!--quotec-->Wow... a chip in the glass gets this reaction - what if he spilled his coffee, too? The world would explode, it seems.<!--QuoteEnd--></div><!--QuoteEEnd-->

    That's what armor-all is for.
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  • DepotDepot The ModFather Join Date: 2002-11-09 Member: 7956Members
    Armor-All is very very evil. <img src="style_emoticons/<#EMO_DIR#>/mad-fix.gif" style="vertical-align:middle" emoid=":angry:" border="0" alt="mad-fix.gif" />
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