This is exactly why I run liability only on everything that's paid for, even
cars that are worth well over 10K.

Thanks, Tom Hargrave
www.kegkits.com
www.stir-plate.com
www.towercooler.com
www.grow-sun.com
www.raspberryproject.com

-----Original Message-----
From: Vanagon Mailing List [mailto:vanagon@GERRY.VANAGON.COM] On Behalf Of
Tom Carchrae
Sent: Saturday, September 7, 2013 9:59 AM
To: vanagon@GERRY.VANAGON.COM
Subject: Re: Hit a deer today in my Vanagon

Karl makes a great point.  How many years of no-claims bonus do you have?
 Do you have any clause in your insurance that will protect your premium
from going up because of the claim?

If it is $2000 to fix, and $500 deductible, then are you going to pay more
that $1500 in increased premium over the next 3 years.

Man I hate insurance.  Maybe you got the "uninsured deer protection" plan -
they don't offer that here.

Tom

On Fri, Sep 6, 2013 at 9:56 PM, Karl Wolz <wolzphoto@q.com> wrote:

> Get a few quotes from body shops first so you know what kind of damage
> you're to expect.  Keep I mind that you can purchase on the bolt-ons
> used from list members and/or wrecking yards.  Might not be worth your
> while to make a claim. Then start assembling PURCHASE prices of
> similar vans for comparables.  Last accident I had (not my fault) the
> other guys insurance company (Progressive) tried to tell me that a
> Westy and a 7 passenger are the same value, and my Westy was only worth
around $2500.
>
> Karl Wolz
>
>
>
> |-----Original Message-----
> |From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com]
> |On Behalf Of Tom Hargrave
> |Sent: Friday, September 06, 2013 7:36 PM
> |To: vanagon@GERRY.VANAGON.COM
> |Subject: Re: Hit a deer today in my Vanagon
> |
> |Hopefully they won't try and total the car.
> |
> |Thanks, Tom Hargrave
> |www.kegkits.com
> |www.stir-plate.com
> |www.towercooler.com
> |www.grow-sun.com
> |www.raspberryproject.com
> |
> |-----Original Message-----
> |From: Vanagon Mailing List [mailto:vanagon@GERRY.VANAGON.COM]
> |On Behalf Of Richard Koerner
> |Sent: Friday, September 6, 2013 8:46 PM
> |To: vanagon@GERRY.VANAGON.COM
> |Subject: Hit a deer today in my Vanagon
> |
> |Was up in the Eastern Sierras; a place near Mammoth Ski area.
> |Place called June Lake (Gull Lake specifically).  Perfect.
> |Went kayaking on lake in afternoon, paddling into wind then letting
> |wind sail me home.
> |
> |So I get up early this am for the long drive home (450 miles?).
> |Around 7:30 am.  Empty straight hiway.  Around 45 MPH, no hurry.
> |Then....there they were...two of them, small, young...instantaneous.
> |Darted out across road; no reaction time. Missed the first one, hit
> |the second.  Ugh.  Passenger side.  Smashed lower grill, signal
> |light, tore rubber strip of passenger side of bumper, mashed license
> |plate, and of course front end body damage.
> |No damage to cooling system, thank God.
> |
> |
> |Drove the 450 miles home.  Now, time to report to insurance company.
> |I have $500 deductible I think.  I'm betting this will be about a
> |$2000 job...not nearly as easy as a fender, lots of folds and creases
> |in the front end.
> |
> |Any words of advice before I call insurance company tomorrow to start
> |claim process?
> |
> |Rich
> |San Diego
> |85 Vanagon, 208,000 wonderful miles, original everything except
> |interior with homemade camper setup.  Not a Westy; a tintop.  Alpine
> |White.  4 speed tranny.  Everything is in perfect condition.
> |
> |....glum....
>