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Please Help: Garage accident

hokiehigh

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Mar 21, 2006
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4
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DC
So please not to laugh at my driving, I was backing a 26 foot stick shift truck, I was concentrated on straighten up the truck with driveway first, didn't realize the truck was SO LONG!

Well, so the steel bumper of the truck hit the center column between the two garage doors, I was almost stopped when hitting but still caused some damage. From what I can tell, the vertical wood bins was pushed back about 2 inches or less on the bottom, the outside brick has some crack, the out layer of plywood board was broken. I think if the bins can be pushed back to the original place, replace the outside plywood and bricks, it should be good?

To make matter worse, this is my wife's sister's garage, they didn't seem to think it's a huge problem but I feel like **** for what I've done. I did option the insurance when renting the truck but it seems only cover the truck and cargo, not the things I could've hit. Also I don't think my car insurance will cover since I wasn't driving my car but a commercial truck. But I gotta find someone to get this fixed before I can sleep well, and I'll just have to pay out of my pocket for the repair.

So the question is I want to call someone to get a quota (hopefully two or three quotas) but don't know which kind of company should I call, does someone building the decks or finishing the basement will know this kind of work? How bad do you think the damages are? and how much it will cost to get it fixed? I don't think the bins between the garage doors support the weigh but I'm not a pro...

Sorry for the long post, any suggestion will be greatly appreciated.

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Uncle Buck

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What about checking to see if the in laws could turn it in to their home owners insurance, then you pay the deductable?
 

nova65ss

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Raleigh, NC
hholmberg said:
What about checking to see if the in laws could turn it in to their home owners insurance, then you pay the deductable?


Not what I would want to do have them raise my rates or worse drop me. Not easy to get insurance after you've been dropped by another company. Some ins co's are evry funny about stuff. I had a lady tell me the other day her co was not renewing her. She has never filed a claim in 20 years, said she was a high risk because statistically she was due for a claim:headscrat

I would call a general handyman/ contractor they ususally have ties with the brick mason, siding guy, etc. and can do all of the odds and ends associated with a repair like this.

Jimmy
 

Uncle Buck

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Nova: Granted, not ideal, however based on the assumption of no claims history, this would seem the perfect candidate?
 

Uncle Buck

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Nova: Why don't you tell that nice lady the insurance company plans on screwing over to let the insurance company know that she will be doing them a good turn by filing a complaint with her state insurance commissioner and detailing why the company is dropping her! It is funny how insurance companies do not like to be the the topic of conversation with the insurance commission!:bounce:
 
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hokiehigh

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Mar 21, 2006
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DC
Thanks for the reply!
That's right, I don't want them to use their homeowner insurance to cover the damage, which could've raise their premium. I need to get it repaired on my own...
 
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nova65ss

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hholmberg said:
Nova: Why don't you tell that nice lady the insurance company plans on screwing over to let the insurance company know that she will be doing them a good turn by filing a complaint with her state insurance commissioner and detailing why the company is dropping her! It is funny how insurance companies do not like to be the the topic of conversation with the insurance commission!:bounce:


Yeah hholmie, I bet they don't. I was shocked when she told me that. I'm not sure the exact particulars but I think what she was saying is that they wouldn't renew her, not that they were dropping her. Maybe they would but for a price. I hate ins co's but ya gotta have them.

Didn't mean to come off as an **** on my 1st post either.:thumbup:

Jimmy
 

70BOWTIE

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Feb 27, 2006
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Location
Wyoming USA
FinD a good handy man it shouldn't cost more than a $100 bill to fix that.I could do it for about $50 if it was in my area but your in DC so figure double
 
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hokiehigh

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Mar 21, 2006
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DC
Thanks for the reply, I'm getting a estimate tomorrow and I'll see what they say...
 

DANNO

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Feb 28, 2006
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Colorado
hokiehigh said:
I don't think my car insurance will cover since I wasn't driving my car but a commercial truck.
Go ahead and call your insurance company. You might be surprised at what they cover (assuming it's a good company:D )


Dan (who has been surprised by his);)
 
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