Damage to test drive vehicle at mechanic's parking lot; dealer wants deductable

[Proserpina]

What further irrelevant inflammatory garbage do you have to contribute?

Knock it off.

YOU are only here to inflame - you're trolling for no other purpose.

You want to invite an argument? Take it to PM with whoever it is.

 

[justalayman]

their deductible is irrelevant. You seem to be missing the point that they had no requirement to file a claim with their insurance carrier. They could make a demand for the full amount. It really is that simple. You got off lucky because they did not take this any further. You were liable and that is all that matters.

You are proving yourself to be worse than anything you claim any poster is by coming back here 2 years after this happened merely to say "I got lucky and didn't have to pay and Zigner yelled at me and my feelings are hurt".

You are neither correct nor relevant so by your statement, you are not useful.

 

[deductable rumb]

You are only stating something which appears factually correct meanwhile attempting to undermine yet another innocent OP.

1.) that thing i signed had everything to do with my insurance, and my insurance had everything to do with this case. By law, my insurance would cover it only if their insurance denied it, but by law their insurance could not deny it if they submitted it, as they did. Sure they could have withheld submitting the claim, and taken me to straight to small claims court, but then we're back to square one, something you are apparently not capable of seeing, either because it wouldn't be undermining if you did, or in all your infinite wisdom you are too short sighted to see this.

2.) My activity on here 2 years later is only to help inform the general public, both in terms of what is relevant to the original question I proposed, but also to let it be known (no matter how futile this attempt may be, it is written) that your exisitence and the knowledge you are putting forth on these boards should be condemned.

 

[justalayman]

You are only stating something which appears factually correct meanwhile attempting to undermine yet another innocent OP.
.

Innocent? You wrecked their car. You admit you wrecked their car. You were not innocent.

, but by law their insurance could not deny it if they submitted it, as they did.

I guess you discovered that in the ensuing 2 years since your last posts. Up until today, your statements were that you didn't know if they had submitted the claim to their insurance carrier.

 

[deductable rumb]

Innocent? You wrecked their car. You admit you wrecked their car. You were not innocent.

Irrelevant with intent to undermine.

I guess you discovered that in the ensuing 2 years since your last posts. Up until today, your statements were that you didn't know if they had submitted the claim to their insurance carrier.

Irrelevant with intent to undermine.

 

[stealth2]

I has been almost 2 years since this thread was last active, but I thought I would provide an update since a critical piece of advice was never given.

Back then, around the time this thread was active, I received a letter from the dealer asking for their "$1000 deductible". Shortly thereafter, my insurance company requested from the dealer a copy of their Garagekeepers Policy as proof that their deductible was indeed $1000. We never heard from the dealer again; end-of-story.

The dealer could have said their deductible was $1000, $10,000 or $1,000,000. Regardless of whether it is my fault, or responsibility to make the dealer whole, the point of this thread was to proceed with due diligence. None of the thread contibutors, particularly Zigner et al., were capable of providing any such useful information. If they are still around providing advice, I would take it with a little more than a grain of salt. Good luck!

I wasn't involved in the original discussion, but... If you didn't like the advice you asked for FOR FREE, you were more than able to go and pay for advice. So you have a heck of a lot of nerve to come back and whine, two years later. Don't let the door hit ya on the way out, Mo.

 

[Zigner]

You seem to already have the information you need to make such a decision...read the liability document you signed. I would ask to see his policy to insure that 1K is his actual deductable

You would do well to read the entire thread

 

[cbg]

And denial is just a river in Egypt.

 

[QueenofEngland]

Luck had nothing to do with it, and I'll go ahead and point out the obvious for anyone but you and your partner(s): in all likelihood, the dealer did not pursue any further action because there was a discrepancy between what they said and what was actually their deductible.

Regardless of what their actual deductible was, they paid it and you didn't. You paid absolutely nothing for the damage you caused. That is a stroke of luck.

Sometimes dealers drop matters when they realize an insurance company is likely to jerk them around until they've spent more than the deductible. Happened to an ex of mine who owned a dealership. Customer wrecked a car on the property, the deductible was $2500, and the client's insurance said they'd pay $2k toward the deductible (the client's deductible was $500) after a whole list of stipulations was met. Proof of deductible was the first part. Sent that.

Then the insurance company wanted some documentation that the property was properly and legally set up with, and for an inspection to be done to make sure the aisles were wide enough for someone to maneuver a car through safely to exit. Of course the cost on inspection was going to be on my ex. He paid it. This stuff was about $1k. Then the insurance company had more demands. At that point, paying to meet the demands would have cost more than the $2500, so the customer was off the hook entirely, and blacklisted from area dealerships.

None of this means the customer wasn't liable, just that the customer got lucky and the insurance company was determined to not pay either by making costly demands.

When another customer wrecked another car, this time off the property, he didn't even pursue it beyond asking for the deductible. Hell, you might be that customer, for all I know. /s

 

[QueenofEngland]

1.) that thing i signed had everything to do with my insurance, and my insurance had everything to do with this case. By law, my insurance would cover it only if their insurance denied it, but by law their insurance could not deny it if they submitted it, as they did. Sure they could have withheld submitting the claim, and taken me to straight to small claims court, but then we're back to square one, something you are apparently not capable of seeing, either because it wouldn't be undermining if you did, or in all your infinite wisdom you are too short sighted to see this.

Do their insurance paid. The amount above their deductible. Which they paid and you did not. They were not made whole for the wreck YOU caused and YOU signed assuming liability for.

2.) My activity on here 2 years later is only to help inform the general public, both in terms of what is relevant to the original question I proposed, but also to let it be known (no matter how futile this attempt may be, it is written) that your exisitence and the knowledge you are putting forth on these boards should be condemned.

Not liking what you hear and then getting lucky doesn't mean all the advice here should be condemned. Do your own research if you want a different answer.