LEXIRX330

Inspector

iPhone :whistles:

By my watch Lexir, it was 4:38 a.m. when you wrote the above. Question is, were you just getting home from the bars or do you always get up that early? LOL!! No bars...it was actually 5:38 a.m. I just don't sleep a whole lot. Got a 2 and 4 yr old! :cries: 100/300/100on all coverage, UM is 50 IIRC. I have dealt with geico in the past on claims, just never one that was my fault, they have always been fantastic, thats why I dont understand why you all hate them so much. Its not that Geico's rate is too good to be true, as much as it is everyone else is on CRACK to think I would/should pay nearly $200 a month for auto insurance on ONE VEHICLE. Especially when I have never had an at fault claim or a speeding ticket. FWIW, Geico's adjuster has the damage to my truck at $607.50. I think i am just going to drive it like it is for awhile, see if someone else smacks it harder. Josh... I deal with quite a few claims on a regular basis. It has nothing to do with hating them...it is the fact that when people find out about the coverage they were told they have or that they had on their previous policy it's to late. I just had a girl come in my office that had been with them for 5 yrs no claims, tickets nothing. She called to make her payment and they told her that her policy canceled. She asked how I made my payment over the phone last month...oh it was your renewal and your rate had went up and you paid your old monthly payment which was less than the min amount due. She said well I never got a call or anything...we emailed you...guess what we can reinstate with a lapse in coverage. Double your rate! I saved her more with a lapse then what she was paying...with PIP, and double the coverages. Josh there are horrible stories about every company out there...I can choose who I want to issue business with. I have got rid of carriers for poor claims service before...but when it comes to problems you just wouldn't imagine some of the things that I have seen that they have done. Take a look at this... http://ifawebnews.com/2010/10/26/geico-accused-of-‘deceptively-selling’-auto-insurance-policies/

Pine

Cellar

Beer

ICE

SpaghettiOs

Look on Sewell Lexus for the OEM parts, they have great prices. As far as labor no idea. I think I would take it to a good Indy mechanic to see how much it would cost to fix it first.

Chef

I wish you lived in MD, DE, or VA...it is rare if I can't beat Geico. I don't blame you if there is that much difference on a apples to apples quote but I think you would be much better off to hand your policy to a Indy agent and let them look around for you. I have over 17 carriers I have access to. The 100/300 is good are your UM 100/300 too? Geico is famous for giving you lower UM coverage. Also just wondering did you find out does your state offer UM property damage?

Welcome to LOC! I wouldn't see why you couldn't convert it over with out any big problems.

Yea the paint is SOFT! And like CD said the paint protection isn't anything but a sealer...if it was the clear bra it may have helped.

It just kills me the waste that we have come to accept from our government and their answer is always raise taxes or tax this, we can put a fee on this or that and raise the cost of stamps, we need more revenue. NO the dumb politicians need to wake up and get the budget under control. Let's raise our debt limit! God I would love to max out all of my lines of credit, my credit cards, run my business in the RED for years and go to the bank and say I need you to raise my credit limit, call American express oh I know I am maxed out but I need to but I need you to increase my limit because I need to buy some more things. And to be perfectly honest what really bugs the s h I t out of me is that they want to raise the limit and not stop spending. I could keep going on and on...

In the nav menu you should see route preferences then just select options you want toll roads avoid ferries etc. It isn't hard to find.

Oil

FFFFFFFFF...TAXES!

http://www.dmv.org/insurance/underinsured-motorist-property-damage-coverage.php This may answer some questions. Also Josh I know saving money is good but Geico sucks find someone who will take care of you. There is a big investigation into Geico now for deceptive sales practices. It wouldn't suprise me at all if they had you waive your UM PD coverage if it was available.

USAA can be Extremely overpriced in my area. I can just about cut their rates in half for preferred clients. I do think they are a good company though. Honestly the best thing someone can do is contact a independent agent that can compare multiple carriers and then can continue to manage the policy for you...recommend changes, notify you of new discounts...you need someone an agent that "wants" your business and they will earn it! And in a situation like this they could have answered these questions rather than you calling a 800 # and then have to call back to find out why it isn't a um. Josh I could be wrong but I don't think all states require UM Property Damage which is what you have so it could be why it is going as a collision. It will show as a not at fault! By the way you are making a good decision paying out of pocket since it is such a small claim. Good luck bud!

Congrats! Kids are contagious though so watch out! Not talking about germs I mean you might be next...or mrs army!

It Is not a comp loss but a not at fault or a uninsured motorist claim. Comp is for acts of nature, vandalism, glass, etc but not um claims. Not sure about your state but most states have a specific UM deductible in MD for example is 250. Some companies require that you do report it to the police.

Well I for one haven't seen any interesting articles from aol on here in awhile? :whistles:

OK

SW beat me to it! If it is a hit and rum should be a UM claim. Also file a police report. I hate parking lots! By chance does the gym have security cameras? If so ask for the footage. Oh, you think someone would leave a note today? Josh...you just wouldn't believe how many people come into my office right after s situation like yours. People have no respect for others property and it is SAD! Take care bud!

I just want the Money that will be spent advertising!