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pixel_of_moral_decay t1_j3w5i16 wrote

Reply to comment by Ill_Significance9716 in Car damaged! Lack of management from Property owners. More info in comments by Ill_Significance9716

You contact your insurance and explain what happened. They’ll ask for the address and see who insured that property and see who’s libel.

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Ill_Significance9716 OP t1_j3wa0z1 wrote

Does insurance report it as accident? Does it affect the car value?

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imaluckyduckie t1_j3wg1ye wrote

You should be reporting it as an accident because it is an accident. I could be wrong but I believe this is classified as a collision.

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christinems4280 t1_j3wwi50 wrote

Yeah it’s kinda appalling he wants to hide this ever happened. It’s an accident. Period.

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TheWaveCarver t1_j3x6wq8 wrote

I might be giving OP (and myself) too much credit but if this were me...

I'd probably be assessing the cost of fixing the problem myself and contacting the property again afterward VS reporting the accident and maybe losing more money on insurance increases and a carfax report.

Is it really that shady to do? Honestly asking here. If I break my own mirror because of an issue with property, I might just be better off repairing it myself? This is with the assumption I won't be going after the other party involved.

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christinems4280 t1_j3x7qso wrote

If it’s something that simple that you can fix on your own, go for it.

But if you’re trying to hold a company liable to pay for it and need a body shop to repair it, that’s something that should be disclosed to any potential buyers in the future.

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TheWaveCarver t1_j3xadtn wrote

Yeah that makes sense. I'm new to owning cars myself so in general you want to disclose any major issues/body shop rework to the next buyer/owner.

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Vertigo963 t1_j400exw wrote

No, you're right and the other takes are bad - it's not shady at all. Auto insurance is a predatory anti-consumer industry that seeks to use every piece of disclosed information as an excuse to raise coverage rates and/or decline to pay for repairs. No one should ever feel bad avoiding the auto insurance system or being careful with disclosures to an auto insurer.

Whether this damage can be excluded from the CARFAX report is a separate question; obviously, the OP doesn't look as good on that front.

EDIT: Lots of auto insurance enthusiasts downvoting in this thread. Anyone with any real experience with these companies knows consumers have to be very careful to avoid getting ripped off.

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_switch360_ t1_j3zlw1m wrote

Trade in your car. There’s always a buyer for a used car, regardless of carfax

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