Automobile Insurance coverage Declare Query

By | October 28, 2018

I am undecided if that is the precise sub, so I apologize if not. It is a lengthy story however I am going to attempt to make it as quick s potential. Just a few months in the past I moved to Maryland from Florida. MD has a regulation the place a car inspection is required earlier than you’ll be able to get a state license plate/registration. That is the one state that I’ve lived in that has required this. A couple of month and a half in the past, I went to get my inspection. There have been three issues that I wanted to repair to go the inspection: sway bar, brake mild, and a big dent on the motive force’s facet panel of my prolonged mattress pickup. The gentleman who did the inspection advised me that the dent failed inspection as a result of somebody or one thing may get snagged on the sting of the dent. The dent was induced after I hit a pole in a parking storage about 6 years in the past. I didn’t file a declare for the damages at the moment because the damages did not impact the mechanical capability of the car to run. I did get an estimate for the damages and so they have been, I imagine, round 2500 to exchange the panel. This was in Iowa. The store the place I received the inspection didn’t do physique work. I did get the sway bar and brake mild fastened on the store that did the inspection. I took the truck to be checked out at present to see if it was potential to restore the truck to the extent the place I’d be capable to go the state inspection. The gents on the store mentioned that the one approach he would be capable to help could be to exchange the panel. The price he gave me on the written estimate could be round 2600. The truck is 11 years previous and presently has round 150,0000 miles on it however, apart from some small technical points, runs high-quality. I want to preserve the truck for two extra years, if in any respect potential. The KBB on the truck is round 2K. On the store the place I obtained the written estimate on the damages at present, the man talked about the potential for claiming the damages via my insurance coverage. I’ve been with my present auto insurance coverage firm for a couple of yr. I lately up to date my coverage after I moved states for work. Is that this authorized to assert harm this previous? Is it moral? I really feel the state inspection has put me in one thing of a rock and a tough place. I do not need to substitute the car as there isn’t any harm that makes it harmful to drive however I can not seem to go the inspection with out spending greater than the car is price. Edit 1: Further knowledge. My Florida car registration expires in February. It’s unclear how for much longer I can be at my present place. It’s potential that in July or August of 2019, I’d be capable to transfer out of state. submitted by /u/bunsNT [link] [comments]