So coming back home, one night this past week, I crashed my car -- inside my apartment community complex. My car is ok.
There's a nice iron gate surrounding our apartment complex's parking lot. I hit one section of that gate. Pushed it all the way in, a good 2 feet from where it should be, but it's still clinging to the gates. It's badly dented. I dozed off driving home.
My question is: should I say something? Or nah? I don't think any cameras caught me. But anyone can stroll though the apartment parking lot, see the damage on my car and guess I did it. If they think a resident did it. Would they make my car insurance pay?
Incidentally, I haven't paid full attention, but as long as these gates been up surrounding our parking lot, like a few times a year, I'll notice someone crashed into them. I didn't even think it was a resident l, until it happened to me. I always guessed a passing motorist. They're sending someone to fix different sections of the gates at least a few times per year.
Should I say something? I'm willing to own up to it, pay for repairs, as long as my insurance ain't involved...
Comments
last commentIf you’re asking others if you should say something, then we pretty much know you’re not.
Might want to make some life adjustments so you don’t hit more gates in the future.
So just deal with it should it become something for you to deal with.
BTW - No one is going to make you use insurance - that’s your call.
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I think the fact that I'm mentioning it at all leans towards I wanna take responsibility.
This site is great for: dudes warning you about things ya haven't thought about, in all topics.
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Youre asking whether its better to admit it or wait til you're caught...
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Press {X} to doubt! I mean, more than half your neighbors probably have door cams that can easily be subpoenaed by the police, or just freely given to the property owners.
I think that's the right conclusion.
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fess up and pay for damage out of your pocket. your insurance company doesn't need to know.
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Maybe you got some skills to repair the fence / gate yourself. Heck... you could even repair it when others damage it.
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^^^ Lol!😂
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No, don't say shit about it. If you report it you're even dumber than I thought.
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MrOrange the paragon of conservative values.
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^ That's pretty rich coming from a bitch-slappin' whore boss.
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Whats the extent of the damage?
You can offer to actually pay for the repair itself, and actually do that or oversee it
The problem with situations like this is people can use it to try to get a payday. If you for instance, put a small scratch on someones car, they can have the damage “appraised” at $500, at one shop, yet $200 at another, or maybe even buy $30 worth of touchup paint and do it themselves and pocket the money you give them.
Idk, if youre actually paying for the repairs itself and not paying anything beyond the real repair cost, that would be the right thing to do
Unless the apartment management owes you money for something and refuses to pay up
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It basically comes down to integrity
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You know what the right thing to do is, it has nothing to do with whether or not you use your insurance company to make it right.
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I'm no expert, but around here I see cameras at almost every gate. When I lived in a community with a gate, they had cameras and they were fanatical about tracking down people who damaged the gate and making them pay, or if they were a visitor they'd charge the person they came to visit. I'd also echo Ron's comment about doorbell cameras being ubiquitous and people freely giving it up without warrants.
I would expect the damage to the gate to be repaired by a specific company the management company works with, likely through a service contract for that gate. We live in a litigious society, the management company/property owners/HOA/whatever have to protect themselves by using a licensed/insured/bonded contractor. They're not gonna let your cousin Vinny pop the gate back on the track, bend it back into shape, and j-b weld the bracket back on. If they did and it injured someone or damaged someone's property they'd likely be liable or at least have a fight on their hands. They'll have a professional do it and verify the safety mechanisms are in working order and shift the liability to them (who in turn shift it to their insurance.)
And I'm guessing it will be likely outrageously expensive. It might well end up being someone's cousin Vinny who does a half ass job doing it anyway, but the lawyers and insurance agents will get their cut at your expense.
It's not so much a moral thing, but if you're looking to keep insurance in the dark about it, I'd suggest coming forward. What I'd be concerned about is the management company going to the cops. I wouldn't expect the cops to put a lot of effort into investigating, but if the management company does all the work they might follow through. I'm not a lawyer or insurance specialist, but if the cops get involved and decide to issue a citation, I'd guess the corresponding insurance rate hike will be significant.
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I dont know if its the same everywhere. But generally renters insurance would cover damage to the property. And yeah cameras don't miss cars coming in. And it is about integrity. Either way. Youre waiting to get caught. And youre responsible for your car.
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