Legal Advice

[Allexus_TN]

Situation:
My trailer trash next door neighbor parked next to me last night. One of her friends thought it would be a cute joke to douse her car with a fire extinguisher. The fortunate tramp caught it shortly after it happened and hers washed right off. She didn't bother to let me know that mine was also covered. By the time I got to it, it was dried on, and I could not see out of my windows at all. Unfortunately, I had to work this afternoon, so it continued to bake on in the hot sun. After filing a police report and having the car washed, I learn I now have to get a new paint job....all over. The whole damn car. Ruined. A lovely chemical reaction took place, and ruined it.

My question is this: Am I within my legal rights to file this under HER insurance, since her car was the target, and it was HER friends? They all think this is so cute and funny. (Did I mention I don't think she's a day over 12? I mean 20?)

 

[Guest]

 

[MissTaken]

I would think that the first course of action should be to talk to her and have her follow up on it.

Oh, and file a police report.

Insurance companies like those sorts of things.

 

[Allexus_TN]

I would think that the first course of action should be to talk to her and have her follow up on it.

Oh, and file a police report.

Insurance companies like those sorts of things.

The police report was the first thing I did. Then I took lots of pictures of the damage. Before I washed it.

 

[Shy Tall Guy]

It doesn't matter whose car was the target. If someone was egging my car and they got yours too, it doesn't mean I am liable in any way.

Go after the person who did it if you can, if not and if you have homeowner's insurance, see if it is covered under that - such things usually are. Look for a clause covering vandalism.

 

[April]

And if those ideas don't work, set both their cars on fire.

Fuckwads.

 

[Lancecastor]

Your insurance....

....either home or auto (whichever has the smaller deductable) is the likely answer.

The deductable gets to be the vandal's bill.

The vandal commited a civil wrong, so Small Claims Court gets him/her for the deductable, cost of wash, aggravation (if your SCC allows general damages).

A call to the neighbor to get you in touch with the vandal could produce faster cash than a lawsuit, but you can't use the threat of charges or dropping charges as leverage....in most places, that's a crime and you wind up in more trouble than the vandal.

That would suck.

The police report is gravy.

Best advice:

Go outside right now.

Throw a rock.

The person it hits will likely be a lawyer.

Ask him what to do.

Cheers;

Lance "I play one on TV" Castor

 

[Kitte]

The first thing you should do is move up here with me where I have really cool neighbors who wouldnt do that

Other then that I would say call the vandal tell her you expect her to cover the deductable in a timely manner and call your ins co.

Then email me her addy so I can beat the fucksnot out of her.

 

[Allexus_TN]

The first thing you should do is move up here with me where I have really cool neighbors who wouldnt do that

Other then that I would say call the vandal tell her you expect her to cover the deductable in a timely manner and call your ins co.

Then email me her addy so I can beat the fucksnot out of her.

Now you know I have a friend who's all hyped on stuff he shouldn't be with too much energy who's just waiting to find the real culprit. That is taken care of. He's also put me in touch with the best auto body guy in the area. Not a problem. Unfortunately, I am about to have to go talk to this girl face to face. Its been hours since I first found it, and I'm just as pissed off, if not more, as when I found it.

 

[HeavyStick]

If you have homeowners or renters insurance do it that route, make them work for it. they have lawyers on 24/7 retainer. They will collect, or file through small claims court. The Police should have naabed the person for malicious mischief/vandalism

 

[Weird Harold]

Unfortunately, I am about to have to go talk to this girl face to face. Its been hours since I first found it, and I'm just as pissed off, if not more, as when I found it.

Probably NOT a good idea -- give her name to the police and/or your insurance agent and let THEM do the talking. It will almost certainly be a more effective "discussion" coming from them and won't put you into a situation where you might say something you regret.