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Old 07-27-2007, 10:44 AM   #1
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MY focus got hit hard while parked, help.

Come out from wal mart last night and low and behold someone hit my car while i was parked... now i honestly wouldn't make a fuss about some minor knicks or stratches my car is kinda a war machine with some battle scares.

But my quarter panel is smashed in to all hell, it cracked my gas cap in half and dislodged the rear bumper so much that it's about an inch out of place on the oposite side of the car.

I do have insurance, the car is registered under my mothers name and is insured under her name aswell, we'll be calling the insurance office later tonight when i get off work.

But here's what i'm wondering...

1)The car has only been on the policy for about a month.
2)Will my premiums go up?
3)how do they handle hit and runs like that should i have called the police?

As far as i'm aware, i can file the insurance claim, take the car to the dealership and get the highest quote possible...show insurance that and they'll cut me a check for the estimate?

I'm seriously a poor student and my parents aren't ever in any situation where they can help me so this is kind of worrying me to death

Any good advice/insight/story of your insurance claims would me most appreciated.

Oh by the way i i have Geico full coverage.

Thanks everyone


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Old 07-27-2007, 10:51 AM   #2
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sorry to hear bro. but usally a insurance adjuster will come out to your home check it out and give a check. dont cash the check because it wont be enough for everything and theyll need to give you more money i gurantee it and i dont have to right you another check if you cash that one.
but now you can get new rear bumper. rs or svt.
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Old 07-27-2007, 10:51 AM   #3
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well, when my car got keyed, my insurance (state farm) premiums did not go up. So, hopefully yours wont either. and they had me get 2 estimates, then they took the lower of the 2 and cut me a check for the lower amount minus my deductible. hope this helps and hope everything works out for you. walmart parking lots seem to be cars worst nightmares. i got a deep little scrape on my rear bumper about a month ago there.
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Old 07-27-2007, 10:54 AM   #4
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Im sorry that sux
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Old 07-27-2007, 11:09 AM   #5
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The Walmart's around here are near other big stores like Lowes and Home Depot. I always park in those lots and then walk to Wal-Mart...lol Gotta get my Mobil 1 oil and filter for under 25 dollars.
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Old 07-27-2007, 11:15 AM   #6
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Find out if you can get the video from Wal-Mart. They have lots of video of their parking lots in my area. Perhaps you can get a plate.
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Old 07-27-2007, 12:18 PM   #7
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Quote:
Originally Posted by focusonthefocus View Post
Find out if you can get the video from Wal-Mart. They have lots of video of their parking lots in my area. Perhaps you can get a plate.
I had thought of that, but upon further inspection i couldn't find a camera pole close to where i was parked. It had to be some kind of SUV or Truck because the damage is so high. And i don't see any paint on my car so i'd assume a nice steel bumper got me and more then likely barely scratched the persons vehical.

I'll post some pictures up when i get a chance, later tonight more then likely.

Thanks for the responses guys.
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Old 07-27-2007, 01:54 PM   #8
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why didnt you call the police again?
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Old 07-27-2007, 02:19 PM   #9
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Wish I had some advice for you, that sucks alot and I hope things work out for you.

I know you probly paniced when you saw it, but if you had tried to keep a clear mind you might have thought to go right back into walmart and ask for video tapes, or if any employee had seen it. I would have called the police, and also went back in and bought a disposable camera and taken some pictures of the car in the scene.

Best of luck to you, and please keep us posted on what happens I would really liek to know incase that ever happens as my car is set up the same way as yours (moms name and insurance just cuz its cheaper for all of us that way).
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Old 07-27-2007, 02:26 PM   #10
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Quote:
Originally Posted by focusonthefocus View Post
Find out if you can get the video from Wal-Mart. They have lots of video of their parking lots in my area. Perhaps you can get a plate.
Ditto, every Walmart I have been too has cameras out the wazzooo


Quote:
Originally Posted by Impaled View Post
I had thought of that, but upon further inspection i couldn't find a camera pole close to where i was parked..

The camera are usually on the top of the building. I'd go see the store manager and find out if they can review the footage and see who hit you

Good luck man, I know how it feels to have your car hit and someone take off.
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