6 Comments

1. Mike S says:

   May 4, 2010 at 7:00 pm

   i am not too sure about the deductible since it is a year later….they might not care about your “hit in the parking lot story” but the bottom line is…your car has damage that was not there when you first insured it and they will cover it. But you might have to pay the deductible.

   Are there any signs that would make it appear as if the damage happened a year ago? Any rust? If I were you I would clean off any rust go to the mall and call the cops and say your car was hit in the lot. Get a police report and submit a claim…This way your parking lot story is more recent and you can avoid the deductible.

   Hope this helps , good luck
2. bayliner6065 says:

   May 4, 2010 at 7:36 pm

   i’m pretty sure you screwed up——did you get a police report?—if not —you messed up—too bad
3. Deke says:

   May 4, 2010 at 7:43 pm

   One thing that might make a difference is whether or not you’re still insured with the same company. If you’ve been insured continuously between the time of the accident and now, you stand a chance at getting them to believe you. (If the coverage hasn’t been with the same company, they’re going to wonder if it really happened while you were insured there.)

   I’d give it a shot. Most policies have a requirement that you report any accidents to them “as soon as possible” but in a lot of states, there’s case law that if the insurance company hasn’t suffered any harm by your delay in reporting the accident, they have to cover it. Just explain what your reasoning was and see what they do.
4. Porscheman951 says:

   May 4, 2010 at 8:11 pm

   You would have to find out about your states statue of limitations. Most states carry a 5 year statue on property damage. You should be able to look it up at the dept of insurance website. I don’t know of any insurance companies that waive a deductible because your car was hit in a parking lot. Does it actually state that in your policy? Usually if you go through your own coverage, your deductible applies whether you are at fault or not. That is the agreement YOU chose when you took out your policy.
5. James B says:

   May 4, 2010 at 8:42 pm

   As a claims adjuster let me start off by telling you not to try to commit fraud like some have already suggested by changing your story to say the accident occurred last week or today to try and get coverage for it as more than likely you will have coverage for the loss if you had a valid policy a year ago when the loss actually occurred. Second do you know what type of collision coverage you had on your policy at the time of the loss (Broad-Form, Standard, or Limited) as that will make a difference on whether you will have to pay your deductible? In the case of your loss the only way you would not be responsible for your deductible would be if you had Broad-Form Collision Coverage. If you Standard or Limited then you will have to pay your deductible. Hope this helps you out. Also most states only have statute of limitations for third party claims which in the case of your situation does not appear that there is going to be a third party attempting to make any claims against you or your policy for this loss. You should be ok to go ahead and file a claim with the insurance company that you had at the time of the loss a year ago. They may ask you to take a recorded statement and investigate further into why you took so long to file the claim but just tell the truth to your insurance company and everything should end up fine for you. Also try to pinpoint the exact date when the loss occurred before making the claim.
6. entidtil says:

   May 4, 2010 at 9:16 pm

   I think you are out of luck. Was a police report made at the time of the incident ? If so, this MAY help