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Well talked to a body guy. About 400 bucks for me. He said thats bottomline for him, because we are friends, but like i said, it wasn't that bad.
Being 19, and going to college, I'm a bit short on cash. He tells me NYS law indicates that deer hits are comp, not collision, and I can't be harassed or have my rates raised or whatever for claiming it. Deal gets better, he will include my deductible in the estimate, and then I get it fixed for free.
Now I'm exstatic.
Next part of the story, is my Dad telling me I can;t claim it, because I'm on his insurance.
(I never wanted to be, but my other car died, he insisted new, because he no longer wanted to work on cars all the time, and I could afford the payments, insurance on a new civic for a 19 yr old guy in NY was 6K a year. Hence his insurance, now its 3K a year)
SO after a good argument, and a pretty good fight with the man, my car still has dents, and I still don't have 400 bucks.
My father claims it puts him in a perilous position by letting me claim it because if he gets in an accident after that they could drop him. Logic and reason dictates that it is going to take a hell of a lot more than a 650 dollar comp claim to make that happen to an otherwise clean record, but hes stubborn, and I think it's more of a control thing then anything else.
Sorry, that story was a bit of a rant, but I had to get it off the old chest.
Moral of the story, whatever I save by being on a policy with parents is negated by the fact that my 3000 dollar insurance policy is more or less a registration fee, because the only ood it does me is to let me drive my car. It certinly isn't insuring the fucking thing.
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