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post #1 of 31 (permalink) Old 08-07-2010, 09:00 PM Thread Starter
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Damn Raccoon - Insurance Question

i hit a raccoon on friday night around midnight on my way home from work. since i was going up a semi-steep hill, i was probably at around 50mph when it ran out in front of me, i didnt have time to react so i ended up nailing it. after a minor swearing session [was the 2nd raccoon i've hit in 4 days...first one only knocked out a fog light], i then went back to a gas station to check out the damages and then slowly drove back home [i live 16 miles from that gas station] i took quite a few pictures when i got there and a few that i took later in the morning are as follows...











and this is all that i have left of the lower grill, which i had to pull out from under the radiator...


i decided to give my insurance company a call that morning and they're sending an appraiser to my house on monday between 8am and noon to check out the car. i havent had time to take the car to get an estimate and probably won't get a chance to do so until tuesday or wednesday due to a shitty work schedule. so since this is the first ever insurance claim i've made, im wondering, what is the appraiser going to do? also, my family thinks this will be covered under the comprehensive part of my insurance but weren't too sure, what do you all think? i kind of hope it is, only because that deductible is only $200 rather than $500


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post #2 of 31 (permalink) Old 08-07-2010, 09:16 PM
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Dang racoons, I hope the ins. company covers suicial racoons.

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post #3 of 31 (permalink) Old 08-07-2010, 09:18 PM
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must've been a big raccoon...


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post #4 of 31 (permalink) Old 08-07-2010, 09:23 PM Thread Starter
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yeah it was pretty big, my car must have some form of hidden target on it or something


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post #5 of 31 (permalink) Old 08-07-2010, 09:26 PM
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were in upstate ny are u at cuz i was driving up 26 outside of rome last night and i hit one with my drivers side tire and thought it was my grill at 1st i started to freak out, then i got ouy and saw it was my tire lol and rim lol
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post #6 of 31 (permalink) Old 08-07-2010, 09:33 PM
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Jesus! thats no bueno
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post #7 of 31 (permalink) Old 08-07-2010, 09:37 PM Thread Starter
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i live just north of watertown but at the time of the raccoon incident i was maybe 3 miles from there on the outskirts of the city on rt 12. there's been quite a few raccoons around the area, foxes too, so it's only a matter of time really before they get hit


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post #8 of 31 (permalink) Old 08-07-2010, 09:38 PM
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Sorry to hear about this, at least you're ok!

Hope everything works out for ya!




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post #9 of 31 (permalink) Old 08-07-2010, 09:47 PM Thread Starter
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oh im definately fine, can't say the same about the car tho as it's been sitting in the driveway sobbing since i got home that night but i hope everything works out too. its my first time dealing with car insurance so im hoping i can get thru it in one piece


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post #10 of 31 (permalink) Old 08-07-2010, 10:47 PM
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if you could go get estimates it'd help you out a lot. if you can get a printed estimate from a reputable body shop in your area you can give that to the appraiser and show him that's how much you need. because what he's gonna do is he's gonna come look at your car and get it fixed as bone f*cking cheap as he can get away with
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