Insurance/getting city to pay damages

mbanks21 · 11-16-2016, 09:08 AM

Anyone had luck getting the city to pay for damages to their car? One of the mini manhole water covers was SMACK DAB in the middle of the road this morning and busted me up pretty good. Couldn't even turn the steering wheel so I imagine the column or tierods or something major busted. I left a voicemail with the claims department of the Clearwater DOT.

[IMG]http://i1217.photobucket.com/albums/...1/IMAG0056.jpg[/IMG]

NitroLX · 11-16-2016, 09:16 AM

Quote:

Originally Posted by mbanks21

Anyone had luck getting the city to pay for damages to their car? One of the mini manhole water covers was SMACK DAB in the middle of the road this morning and busted me up pretty good. Couldn't even turn the steering wheel so I imagine the column or tierods or something major busted. I left a voicemail with the claims department of the Clearwater DOT.

[IMG]http://i1217.photobucket.com/albums/...1/IMAG0056.jpg[/IMG]

Only time i got the city to pay was when a snowplow hit my car in the street and they drove off, claimed i saw him and they paid with no issues.

rak299 · 11-16-2016, 09:32 AM

read this:
http://www.nolo.com/legal-encycloped...is-liable.html

mbanks21 · 11-16-2016, 10:15 AM

Thanks for the link. I sent the city of Clearwater a facebook message as well as the voicemail. I have the item in question in my car as well, and took pictures and a video of where it was exactly in the middle of a 3 lane road. Still waiting to hear what the actual damage is

tex2670 · 11-16-2016, 10:30 AM

Quote:

Originally Posted by mbanks21

Anyone had luck getting the city to pay for damages to their car? One of the mini manhole water covers was SMACK DAB in the middle of the road this morning and busted me up pretty good. Couldn't even turn the steering wheel so I imagine the column or tierods or something major busted. I left a voicemail with the claims department of the Clearwater DOT.

[IMG]http://i1217.photobucket.com/albums/...1/IMAG0056.jpg[/IMG]

I wish you luck....

435MSport6Speed · 11-16-2016, 10:45 AM

Good luck. Let us know how you make out.

Billfitz · 11-16-2016, 11:54 AM

There's an old saying that you can't sue City Hall. Actually, you can, you just probably won't win. File your insurance claim and hope for the best with the city covering your deductible.

mbanks21 · 11-16-2016, 12:02 PM

I have Geico, they said I should just pay my deductible and they'll go after FDOT

joz · 11-16-2016, 01:35 PM

Cities tend to be held to a different standard when it comes to this. Wish you all the best, but I'd take a "plan for the worst, hope for the best" approach

Kabrich · 11-16-2016, 10:28 PM

Quote:

Originally Posted by mbanks21

I have Geico, they said I should just pay my deductible and they'll go after FDOT

Where exactly in Clearwater. They have some real land mines - even worse when repaving. But what makes you think the road was under FDOT control?

They had 2 land mines right outside the County Offices. Repaved, better, but still not great.

mbanks21 · 11-17-2016, 05:47 AM

Quote:

Originally Posted by Kabrich

Quote:

Originally Posted by mbanks21

I have Geico, they said I should just pay my deductible and they'll go after FDOT

Where exactly in Clearwater. They have some real land mines - even worse when repaving. But what makes you think the road was under FDOT control?

They had 2 land mines right outside the County Offices. Repaved, better, but still not great.

Ulmerton in front of ICOT just east of 19. I called fdot and they said they handled that area, department 7 and I left a voice mail for their claims department

Buzzo · 11-17-2016, 08:34 AM

I am at two for two seeking reimbursement for pot hole damage. City of Chicago covered the cost of a wheel and tire and State of CT did the same for a busted bike wheel and tire. The latter went through all kinds of stages of approval and took 8 months start to finish.

mbanks21 · 11-17-2016, 02:51 PM

Initial inspection is a busted steering rack...

mbanks21 · 11-17-2016, 04:13 PM

$4800 total in damages. Steering rack, bumper, intercooler, undertray, etc

CIWS · 11-17-2016, 04:25 PM

Quote:

Originally Posted by mbanks21

$4800 total in damages. Steering rack, bumper, intercooler, undertray, etc

Certainly a lot more than most deductibles. Sucks it whacked your ride.

Fender150 · 11-17-2016, 04:31 PM

good luck, today a speed limit sign fell on my car while i drove past and damaged the fender and scrapped the shit out if the side

mbanks21 · 11-17-2016, 05:12 PM

Quote:

Originally Posted by Fender150

good luck, today a speed limit sign fell on my car while i drove past and damaged the fender and scrapped the shit out if the side

Good lord that would've scared the shit out of me.

They took $500 off for my deductible so just waiting for the check now. I may come out ahead since my intercooler was cheaper than the stock and potentially getting a new rack for less than list price. Also, Geico has been amazing staying in contact and working with the mechanic and emailing me the list bill

Kabrich · 11-17-2016, 05:51 PM

Quote:

Originally Posted by mbanks21

Ulmerton in front of ICOT just east of 19. I called fdot and they said they handled that area, department 7 and I left a voice mail for their claims department

Probably because of all the FDOT construction in that area.

Quote:

Originally Posted by mbanks21

They took $500 off for my deductible so just waiting for the check now. I may come out ahead since my intercooler was cheaper than the stock and potentially getting a new rack for less than list price. Also, Geico has been amazing staying in contact and working with the mechanic and emailing me the list bill

Where are you doing repairs?

Do you get $500 back when/if FDOT pays?

donkey · 11-17-2016, 05:56 PM

No, nice wheels though

mbanks21 · 11-17-2016, 06:01 PM

Quote:

Originally Posted by Kabrich

Quote:

Originally Posted by mbanks21

Ulmerton in front of ICOT just east of 19. I called fdot and they said they handled that area, department 7 and I left a voice mail for their claims department

Probably because of all the FDOT construction in that area.

Quote:

Originally Posted by mbanks21

They took $500 off for my deductible so just waiting for the check now. I may come out ahead since my intercooler was cheaper than the stock and potentially getting a new rack for less than list price. Also, Geico has been amazing staying in contact and working with the mechanic and emailing me the list bill

Where are you doing repairs?

Do you get $500 back when/if FDOT pays?

Midnite Tuning. They installed my dp cp springs, wheels, etc. The owner said he's done plenty of steering racks so...

If FDOT pays Geico then yes I'll get reimbursed

mbanks21 · 11-17-2016, 06:03 PM

Quote:

Originally Posted by drive335

No, nice wheels though

Mine? Thanks. Luckily they weren't damaged

[IMG]http://i1217.photobucket.com/albums/...1/IMAG0029.jpg[/IMG]

mbanks21 · 11-19-2016, 07:29 AM

They emailed me a claim form. Says it could take up to 90 days to review. I'm just asking for rental reimbursement and letting Geico deal with the rest since Geico already agreed to pay me

11-16-2016, 09:08 AM	#1
mbanks21 Colonel 1268 Rep 2,957 Posts Drives: 2015 335i MSport Join Date: Aug 2013 Location: High Bridge, NJ iTrader: (8)	Anyone had luck getting the city to pay for damages to their car? One of the mini manhole water covers was SMACK DAB in the middle of the road this morning and busted me up pretty good. Couldn't even turn the steering wheel so I imagine the column or tierods or something major busted. I left a voicemail with the claims department of the Clearwater DOT. [IMG]http://i1217.photobucket.com/albums/...1/IMAG0056.jpg[/IMG]
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11-16-2016, 09:32 AM	#3
rak299 Major 601 Rep 1,048 Posts Drives: 2021 M3 6MT Join Date: Sep 2016 Location: san francisco iTrader: (0)	read this: http://www.nolo.com/legal-encycloped...is-liable.html
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11-16-2016, 10:15 AM	#4
mbanks21 Colonel 1268 Rep 2,957 Posts Drives: 2015 335i MSport Join Date: Aug 2013 Location: High Bridge, NJ iTrader: (8)	Thanks for the link. I sent the city of Clearwater a facebook message as well as the voicemail. I have the item in question in my car as well, and took pictures and a video of where it was exactly in the middle of a 3 lane road. Still waiting to hear what the actual damage is
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11-16-2016, 10:45 AM	#6
435MSport6Speed Captain 432 Rep 814 Posts Drives: 435i M Sport 6 Speed Join Date: Mar 2015 Location: Mass iTrader: (0)	Good luck. Let us know how you make out.
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11-16-2016, 11:54 AM	#7
Billfitz Lieutenant General 8243 Rep 16,082 Posts Drives: '15 328iX GT Join Date: Jan 2015 Location: New Hampshire iTrader: (0)	There's an old saying that you can't sue City Hall. Actually, you can, you just probably won't win. File your insurance claim and hope for the best with the city covering your deductible.
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11-16-2016, 12:02 PM	#8
mbanks21 Colonel 1268 Rep 2,957 Posts Drives: 2015 335i MSport Join Date: Aug 2013 Location: High Bridge, NJ iTrader: (8)	I have Geico, they said I should just pay my deductible and they'll go after FDOT
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11-16-2016, 01:35 PM	#9
joz First Lieutenant 85 Rep 306 Posts Drives: 2014 335xi Join Date: Dec 2013 Location: t.o iTrader: (0)	Cities tend to be held to a different standard when it comes to this. Wish you all the best, but I'd take a "plan for the worst, hope for the best" approach
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11-17-2016, 08:34 AM	#12
Buzzo First Lieutenant 169 Rep 326 Posts Drives: MT 244'80 V70R'07 Golf R'19 Join Date: Aug 2015 Location: CT iTrader: (0)	I am at two for two seeking reimbursement for pot hole damage. City of Chicago covered the cost of a wheel and tire and State of CT did the same for a busted bike wheel and tire. The latter went through all kinds of stages of approval and took 8 months start to finish.
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11-17-2016, 02:51 PM	#13
mbanks21 Colonel 1268 Rep 2,957 Posts Drives: 2015 335i MSport Join Date: Aug 2013 Location: High Bridge, NJ iTrader: (8)	Initial inspection is a busted steering rack...
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11-17-2016, 04:13 PM	#14
mbanks21 Colonel 1268 Rep 2,957 Posts Drives: 2015 335i MSport Join Date: Aug 2013 Location: High Bridge, NJ iTrader: (8)	$4800 total in damages. Steering rack, bumper, intercooler, undertray, etc __________________ 2015 335i Msport/6 JB4/EWG/E30/VRSF DP/ER CP/ VRSF Race Exhaust/ Injen Intake/Verde Axis 19x8.5/9.5 245/35/275/30 Conti Extreme CS/ H&R Sports / Motorsport Hardware Stud Conversion
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11-17-2016, 04:31 PM	#16
Fender150 Lieutenant 354 Rep 464 Posts Drives: F82 M4 Join Date: Apr 2015 Location: PA iTrader: (0)	good luck, today a speed limit sign fell on my car while i drove past and damaged the fender and scrapped the shit out if the side
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11-17-2016, 05:56 PM	#19
donkey Captain 464 Rep 715 Posts Drives: 6MT M2 Join Date: Mar 2016 Location: Flavortown iTrader: (0)	No, nice wheels though
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11-19-2016, 07:29 AM	#22
mbanks21 Colonel 1268 Rep 2,957 Posts Drives: 2015 335i MSport Join Date: Aug 2013 Location: High Bridge, NJ iTrader: (8)	They emailed me a claim form. Says it could take up to 90 days to review. I'm just asking for rental reimbursement and letting Geico deal with the rest since Geico already agreed to pay me __________________ 2015 335i Msport/6 JB4/EWG/E30/VRSF DP/ER CP/ VRSF Race Exhaust/ Injen Intake/Verde Axis 19x8.5/9.5 245/35/275/30 Conti Extreme CS/ H&R Sports / Motorsport Hardware Stud Conversion
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