Would comprehensive insurance cover my car if it were to have rolled down my driveway and into a tree with nobody in the car. I drive a stickshift and it was parked in my carport, which is almost perfectly flat, and i guess i forgot to pull the parking brake and it was in nuetral. I didnt notice when i got out because it must have been moving so slow that it seemed like I had the break on. I even looked outside about 5 minutes after being inside and it was still in the carport. Anyways, it must have been centimetering itself backwords and finally hit a point that got a little steeper and ended up rolling down the driveway and into a tree. Estimate says $1500 to fix would comprehensive pay this/would it even be worth it to file comprehensive for something this cheap? My plan now is to just get some douchebag who is riding my ass to rear end me and let his/her insurance pay to fix it as it is simply cosmetic damage.

btw this happend about 9 months ago and i am just wondering about it as i am tired of my brand new car having a dented bumper and trunk

3/25/2008 1:35:42 AM

It's called the swoop and squat.

3/25/2008 1:40:44 AM

^^You are a moron. Please end yourself before thinking about adding to the gene pool.

3/25/2008 2:00:47 AM

Quote :

"My plan now is to just get some douchebag who is riding my ass to rear end me and let his/her insurance pay to fix it as it is simply cosmetic damage. "

fraud is awesome!

3/25/2008 5:38:39 AM

Quote :

"My plan now is to just get some douchebag who is riding my ass to rear end me and let his/her insurance pay to fix it as it is simply cosmetic damage. "

wait, who's the douchebag?

and who was dumb enough to post his plans for insurance fraud (and probably some other criminal offenses, traffic and otherwise) on the internet?

3/25/2008 5:46:45 AM

NCSUGimp Exposed ?

3/25/2008 6:10:55 AM

its not like its hard to slam on the brakes and have someone hit you so if i was going to do that i would have done it already. Im just waiting for some dumbass to not be paying attention and rearend me. there are quite a few woman drivers on the road so i dont think i will have to wait too terribly long

[Edited on March 25, 2008 at 2:15 PM. Reason : a]

3/25/2008 2:15:14 PM

My apologies. I didn't realize you were waiting for a douchebag to get behind you.

3/25/2008 2:17:15 PM

i am. im waiting for some hardass to be riding my ass and not pay attention and look down to change "Get Low" from the radio and totally fly into me; if its a girl im waiting for her to get a text message from her annoying friend and look down and totally fly into me

3/25/2008 2:19:45 PM

^^why are you apologizing you never said anything in the first place?

3/25/2008 2:20:21 PM

my friends:

this is why I conceal carry.

[Edited on March 25, 2008 at 2:26 PM. Reason : .]

3/25/2008 2:23:23 PM

skipping over the waiting for someone to rear end you......they probably would cover it....but more than likely your deductable is more then $1,500 so it wouldnt matter

3/25/2008 2:24:48 PM

insurance fraud and murder in the same thread...tww is getting a little out of control

[Edited on March 25, 2008 at 2:26 PM. Reason : who in the fuck has a deductible over $1500??? the highest i could get was $1000,most ppl have lower]

3/25/2008 2:25:46 PM

i would not have a deductible if someone's liability was paying for it. I dont really care though i can make 1500 pretty quickly by working some overtime shifts. My real question i guess is does comprehensive cover this type of accident since it is not a moving violation? Probably not as it was my fault even though i wasnt in the car. And if comprehensive did cover it it probably wouldnt even be worth claiming it since the premium would go up enough to cancel out the money the insurance would be paying out. I need to just cut my loses and get it fixed myself

3/25/2008 2:27:41 PM

the insurance company always gets their money back

for something this small i'd just say f it and either pay for it or leave it how it is and wait for something else to happen.

3/25/2008 2:28:48 PM

why would you want to make everyone else's rates to go up with your swoop and squat scheme.

3/25/2008 2:40:41 PM

Quote :

"who in the fuck has a deductible over $1500??? the highest i could get was $1000,most ppl have lower"

my deductable is $2,000.......

but either way, you are right, the insurance company gets their money back in the end. you would be better off just paying for it yourself since its so small

3/25/2008 2:42:07 PM

oh, progressive wouldn't let me have a deduct. over $1000 when I signed up with them--although that has been a few years so the standard might have changed

3/25/2008 2:43:40 PM

ah - i'm with state farm. i've been with them for years and have had a clean driving record for the past 8 years. plus i'm over 25

[Edited on March 25, 2008 at 2:46 PM. Reason : .]

3/25/2008 2:45:45 PM

comprehensive will not cover this accident even if you weren't in the car (unless it was the result of vandalism)

this would be covered under collision

however, you would've needed to notify your insurance company and file a notice of claim within a reasonable amount of time after the accident (~30 days)

even still, it would probably not be worth claiming since you probably have a deductable of $250 or $500 which means you only stand to collect around $1000, which with your premium increase you're looking at breaking even at best

[Edited on March 25, 2008 at 2:58 PM. Reason : .]

3/25/2008 2:55:43 PM