F*** Deer!
06-28-2009, 01:30 PM
#21
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Originally Posted by BMRMEUP' post='925791' date='Jun 27 2009, 03:05 PM
I don't think there should be any issue. I hit a deer two years ago with my e39. Damaged hood, light assembly, bumper and fender...about $4500 in damage. Turned out this was covered under comprehensive rather than collision, so only $100 deductible in my case. Hope you will be as fortunate.
This is the case in Texas, I should know, I had SEVEN, that's right, count'em, seven deer claims when I lived in Austin. Lot's of night driving + lot's of stupid stupid deer. The last one I was doing 65 mph and a giant buck jumped right in front of my truck from a pitch black side of the freeway. I hit it so hard it flew up OVER my truck. I was soooo pissed that I grabbed a baseball bat and got out to finish it off, the damn thing got up and ran away before I got close. Unreal.
Truly one of the dumbest animals ever.
06-29-2009, 07:05 AM
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Originally Posted by rodneyremington' post='926521' date='Jun 28 2009, 02:48 PM
Why would you be talking to your insurance company at all? It was your brothers accident. His insurance covers him driving your vehicle. It's his mess let him clean it up. Don't stain your own insurance history with someone elses accident. Hitting a deer is 50% bad luck and 50% not paying attention ie. probably playing with your idrive instead of watching the road ahead. I've never hit a deer in my life but I've missed many by paying attention and using my brain, and some good luck no doubt. If I crashed my brother's expensive car, the next time he would see it it would be perfect and he wouldn't have to make a single phone call or pay a dime to make that happen. I would make it happen and I would use my own insurance.
Wrong.
Your Comprehensive coverage (fire/theft/vandalism/glass) is in play. Your brother's auto insurance has no bearing on this event.
06-29-2009, 07:50 AM
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Dude! Sorry man....
As for insurance, it doesn't matter who drove the car, or what happened. If you purchased it through an insurance agent, talk to them. If not, call your insurance company to report it. Just tell them what happened. It will most likely be categorized as an "uninsured motorist" accident by your insurance company, and they will make you responsible for the deductible. If your brother drove the vehicle, your insurance company will want to know his insurance info to subrogate the claim against his insurance. Regardless of whether his insurance says, "...this is not covered by your insurance..." they will have to reimburse your insurance company for the repairs because the car was technically in your brother's care, custody and control. Don't worry, this would be all taken care of on the insurance company level, and most likely will not involve you (or your brother) directly. Just some insight from a former insurance broker (and soon-to-be lawyer).
Good luck man!
As for insurance, it doesn't matter who drove the car, or what happened. If you purchased it through an insurance agent, talk to them. If not, call your insurance company to report it. Just tell them what happened. It will most likely be categorized as an "uninsured motorist" accident by your insurance company, and they will make you responsible for the deductible. If your brother drove the vehicle, your insurance company will want to know his insurance info to subrogate the claim against his insurance. Regardless of whether his insurance says, "...this is not covered by your insurance..." they will have to reimburse your insurance company for the repairs because the car was technically in your brother's care, custody and control. Don't worry, this would be all taken care of on the insurance company level, and most likely will not involve you (or your brother) directly. Just some insight from a former insurance broker (and soon-to-be lawyer).
Good luck man!
06-29-2009, 04:37 PM
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Originally Posted by rik zeppelin' post='926669' date='Jun 28 2009, 04:30 PM
This is the case in Texas, I should know, I had SEVEN, that's right, count'em, seven deer claims when I lived in Austin. Lot's of night driving + lot's of stupid stupid deer. The last one I was doing 65 mph and a giant buck jumped right in front of my truck from a pitch black side of the freeway. I hit it so hard it flew up OVER my truck. I was soooo pissed that I grabbed a baseball bat and got out to finish it off, the damn thing got up and ran away before I got close. Unreal.
Truly one of the dumbest animals ever.
Truly one of the dumbest animals ever.
06-29-2009, 05:56 PM
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Sorry bout the accident...Down in Cajun country, we'd be having some deer sausage, deer jerky, and some tasty deer backstrap(tenderlon)!
Hope it all works out.
WIll
Hope it all works out.
WIll
06-29-2009, 07:18 PM
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Ouch hopes everything gets taken care of!
Happened to me once at Yosemite National Park, a doe ran in front about 300 feet away and just stared at me
Happened to me once at Yosemite National Park, a doe ran in front about 300 feet away and just stared at me
06-30-2009, 05:14 AM
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Hope everything works out and good thing no one got hurt.
I hit a deer about 2 years ago with my last vehicle and and the deer was in bad shape. They ended having to shoot the deer because it wasn't going to make it with the shape it was in. I had some damage on my truck but I decided it was not enough to deal with insurance and I payed it out of pocket...It seams you have some more damage than me though.
I would definately take the time though to weigh out the differences. Sad to see a deer get killed maybe even worse to see a an E60 like that.
Sorry to hear about this and hope all goes well.
I hit a deer about 2 years ago with my last vehicle and and the deer was in bad shape. They ended having to shoot the deer because it wasn't going to make it with the shape it was in. I had some damage on my truck but I decided it was not enough to deal with insurance and I payed it out of pocket...It seams you have some more damage than me though.
I would definately take the time though to weigh out the differences. Sad to see a deer get killed maybe even worse to see a an E60 like that.
Sorry to hear about this and hope all goes well.
06-30-2009, 11:46 AM
#30
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Just got the quote in, its going to be $6000. Thats pretty amazing to me, it did not look like that much damage. Thank God for insurance, that $6000 is 8 yrs of insurance premiums for me. Also my insurance said that they would use all BMW parts including the windshield so I am happy for now. I have American Family.