Can you have Uninsured Motor Vehicle Property Damage Coverage, WITHOUT having Uninsured Motor Vehicle Coverage (bodily injury)?

Puffy Lux
Better water better life

According to the State Farm form, I can't have UMVPDC (Property Damage) unless I have UMVC (bodily injury) too. Is this true? Is this just a State Farm thing? I want the UMVPDC (property) in case my car incurs damages while parked (by vandals, etc), however I do not wish to pay for the UMVC (bodily damage). But, if I'm reading the form correctly, I cannot have the property damage coverage unless I get the bodily damage one as well. I wanted to know if that is common.

Puffy Lux

Thanks

submitted by /u/FlyingAces
[link] [comments]

What shoes do you auto damage adjusters wear?

Better water better life
Puffy Lux

Trying to find the balance between comfort and a dressy she. Any recommendations?

Roses

submitted by /u/DeadPotSociety
[link] [comments]

Driver forced me off the road, but insurance says I’m responsible for my car’s damage since he didn’t hit me?

Puffy Lux
Better water better life

Hey all. Over the weekend, I had a driver run me off the road, causing me to jump the curb going about 40 mph. I had the right of way on a two lane road, driving in the left most lane, and this driver came out of nowhere on my right (through a yield), and turned all the way into my lane when he had his own (right lane) to turn into. Instincts kicked in and I honked and swerved, which caused me to jump onto the curb next to my lane so he wouldn't hit me. The guy showed no indication that he was going to pull over, and at this point I had no idea if he had actually hit me because of how much my car was jostled by going up on the curb. So I followed him and took pictures of his car and license plate in case there was damage. He must have seen me taking pictures, because only then did he pull over. He got out of the car and told me he did nothing wrong, and he didn't hit me so therefore there was nothing I could do. I tried to argue that he did everything wrong, by not yielding and by turning into my lane and causing me to run off the road. There was an accident nearby and I can almost guarantee he was not paying attention to his driving, but to the accident up ahead which is why he nearly hit me but of course he wasn't going to admit fault. So, I have no insurance information from him, but two scratched rims (both driver side) and a ripped tire on my new car. I filed a claim with my insurance, but they said because he didn't actually hit me, it was my fault. Is this right? Is there any way I can fight this? So apparently I should've just let him hit me instead? I'm so frustrated, and so confused so I want to make sure I really have no leg to stand on. I just find that ridiculous. I had no where to go, besides into a curb or let him hit me. Thanks for reading and any advice, even if it is to tell me there's nothing I can do.

submitted by /u/Nna5000
[link] [comments]

Assessing claims for herbicide drift damage to trees / woodlands / natural areas

Better water better life
Puffy Lux

I'm working up a tree survey on a property in the Midwest US surrounded on all 4s by industrial scale agriculture. It is sprayed, as is normal in this area, every year to keep down weeds, but unfortunately it was sprayed several years on days unsafe to spray due to windy conditions. The property I'm on is like night and day compared to the surrounding areas, a little island of woods in the middle of thousands of acres of corn and soy. Unfortunately the trees and understory broadleaf herbaceous vegetation were damaged due to the drift.

Very few trees are dead from the herbicide, but many are damaged (dropping leaves and branches, leaves yellowing and curling, not producing many fruits). My technique right now is the subsample some areas to apply the species composition and percentage of damage to the other areas.

I have to imagine pretty much all trees, whether planted intentionally or not, and other natural vegetation like prairies and wetlands, in areas of mass herbicide spraying are being damaged by these events. Maybe not dead, but damaged. Curious to hear other people's experiences and ways they went about assessing the damage.

submitted by /u/adaxially
[link] [comments]

How to Avoid Hail Damage to Your Car

Puffy Lux
Better water better life

Rain. Snow. Sleet. Wind. Driving in inclement weather can be dangerous. But there’s one weather condition that may supersede them all: hail. It forms when drops of water freeze together in thunderstorm clouds, creating chunks of ice. It can be downright scary — especially when it becomes the size of golf balls — and can do quite a bit of damage.

Roses

But into every life a little hail must fall, so heed these steps to avoid hail damage to your car.

1. Don’t drive in hail

Okay, this one’s a given, but it deserves notice. Check the forecast, and if hail’s imminent, park your car in a garage or covered parking when possible.

2. Seek cover

If you’re out and the hail starts, find the nearest covered location, whether that’s a parking garage, a gas station overhang, or any other area that’ll protect your car.

If you’re on the freeway, you might be tempted to pull off to the side of the road underneath an overhead bridge to wait it out, but don’t do it. Too many cars under a short overpass can block the road and put other drivers in harm’s way.

3. Make an impromptu cover

If you can’t find any cover, pull over where it’s safe and create a makeshift car cover. You could, for example, put your floor mats over your windshield to absorb the pressure and keep it from cracking. Or you might cover the hood and top of your car with a blanket. Other vulnerable areas include your taillights and side windows. And cover yourself, too, just in case the hail causes a window to break despite your best efforts.

4. Use a car cover regularly

While it’s not always possible to find covered parking, keeping your car safe from the elements can prevent all kinds of damage, like the beating rays of the sun. But if your area is experiencing thunderstorms, it’s even more important to park your car under cover in case a hail storm whips up.

A car cover can also be a smart purchase that helps prevent damage from multiple kinds of weather. If the hail is prolonged, you can get ultra-creative as some folks in Texas did during a recent hail storm. They pulled out all the stops to protect their vehicles with everything from bubble wrap to pool noodles, floaties, and mattresses.

Another way to protect your car? Comprehensive coverage. It helps guard your car against a host of issues like theft and vandalism, and, yep, even hail damage.

Safe and smart | Car safety

Avatar

about Cathie

Cathie Ericson writes about personal finance, real estate, health, lifestyle, and business topics. When she’s not writing she loves to read, hike, and run. Find her @CathieEricson.

Auto: I have insurance, I’m at fault, I got all the damage. How much should I reveal?

Better water better life
Puffy Lux

In Sacramento CA area: I bumped the truck in front of me at the traffic light, and got all the damage. The other driver was okay, we kept a copy of each other's driver's license, shook hands, and left. My insurance can cover part of my damage, maybe through my collision or comprehensive coverage. But now I'm wondering how much detail I should reveal about the incident and the other driver, so that a) I don't get myself in trouble, and b) I don't get the other driver in trouble.

GlacialPure Refrigerator Water Filter for Whirlpool Filter 1 EDR1RXD1 W10295370 2 Packs

submitted by /u/TodosLosNachos
[link] [comments]

Insurance offered lump sum payment for water damage 3 weeks after incident. Should i be skeptical?

Puffy Lux
Better water better life

Backstory: Early last month we came home to a flooded house. Concrete slab no basement. Most of the main floor was covered in two inches of water. Insurance company found people to clean up the damage but its been nearly a month since the incident. The work finally was finalized to begin next week and the day after that, the insurance company called and offered a lump sum if we wanted to repair the damage ourselves, which we are capable of doing (did this work the first time when we bought and renovated). The concerning part is the amount of time that has passed since the incident. We did some work removing the floors in the wettest areas at the beginning to try and minimize the damage but weren't feeling like having no floors for 3+ weeks so we figured we would let the remediation company deal with whatever we couldn't. Are they trying to get away with something here? The initial damage was assessed at 18k (3 weeks ago) and the insurance company offered 21k to allow them to walk away from this and have us deal with it. Had we been offered that at the time of the incident, we would have been more inclined to accept. Now with the amount of time that's passed im not as comfident with that value, considering the potential for mould that now exists compared to initially. Any insights or opinions would be fantastic. Thanks all!

GlacialPure Refrigerator Water Filter for Whirlpool Filter 1 EDR1RXD1 W10295370 2 Packs

submitted by /u/incompletewor
[link] [comments]

Hail damage, claim filed. Need advice on how to choose proper contractor.

Better water better life
Puffy Lux

Roof of my home was damaged by hail and ceiling start leaking. I filed the claim with safeco and first time adjuster came in and indicated only interior damage. I got a payment for interior repair only even logically if roof is damaged after fixing interior spots roof will leak again and it will happen again. I requested second review and also called roofing contractor to come over to chat with insurance adjuster. (Found on google and checked for reviews and company profile on Secretary of State web site) Both confirmed roof damage and exterior damage (stucco).

Estimates were done from safeco and roofing company (which is higher that safeco offered)

Contractor said he will work with insurance to make it even.

I got first portion of second payment (insurance said another amount will be issued if needed ) for roof repair and contractor asking to sign a contract (can’t attach it)

It feels little sketchy and since it’s my first time experience I am asking about any hidden barriers and tricks that could happen. As I know roofing company’s changing names because getting in trouble all the time and it’s very hard to measure honesty and trust.

Any advice will be appreciated.

submitted by /u/violatordead
[link] [comments]

construction site didn’t secure their work space and damage my car, are they liable? * video link*

Better water better life
Puffy Lux

https://streamable.com/bpcnd

you can see they have a few loose signs all over the place on a bridge that gets a ton of wind. My insurance company says the construction company isn't liable for not securing their work site, I say they should be liable because they're working in an area where wind is a factor and didn't take it into consideration.

can someone tell me who is liable here?

submitted by /u/n0tatest
[link] [comments]

Got into accident with our 5th wheel, damage in multiple spots. Paid around 53k, insurance valued at 52k new, now saying it’s worth 60k Used 2 weeks later. The dealership estimated damage at 36k. After insurance adjuster came by, didn’t look at inside only out, is saying damage is only 18k

Better water better life
Puffy Lux

What do you even do from here? Clearly the prices are very different and how do they go from valuing it normal new to so high used?

submitted by /u/geenuhahhh
[link] [comments]