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Old 04-21-2003, 11:21 AM
S0nik S0nik is offline
The M3nace (Premium)
 
Join Date: Feb 2003
Location: Ohio
Rides:'95 US E36 M3
Posts: 30
S0nik is a New Registered Member
Springbreak Story / Insurance Question

Well I just got back today at 1.00am from my trip to Tybee Island, GA. What a blast - the car ride down was the best hehe - i finally hit the governor - 140 and felt the gas cut off - what an amazing feeling the drive through GA was nice, once we hit the border, my friend who was leading at the time decided he was tired of not being there so we drove 100-110 all the way from the border of GA to where we were staying - it was lots of fun. Made some fun highway friends who hung around to leech off my radar detector.

The ride home, however, was not so fun was trying to take it easier than the ride down, but i was on I-285 (the loop that goes around atlanta) and hit a piece of a tire while changing lanes. It tore off my entire front bumper as well as the duct work underneath so yay i had to drive without a front bumper all the way back to dayton, OH. how fun.

i filed a police report for insurance purposes, but didn't realize that i should have said the tire came off a moving vehicle and hit me rather than me running over it as a stationary object. If i would have said it came off a vehicle, my deductable would have been $100, but since it was stationary, the deductable will probably be $1000. I went and got the estimate, and they said $1300 ... and i'm not going to risk having my rates go up to cover 300 bucks. can anyone think of a way around it - i haven't looked at the official police report yet, but in my mind it should have been the same as a tire coming off a car and hitting me since i was changing lanes and didn't see it until it was too late - i mean i got over and it was just there - there was no avoiding it. What do you guys think? can you think of any loopholes for me?
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