Submitted by Ill_Significance9716 t3_1095gz9 in jerseycity
Comments
[deleted] t1_j3w5gn6 wrote
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pixel_of_moral_decay t1_j3w5i16 wrote
You contact your insurance and explain what happened. They’ll ask for the address and see who insured that property and see who’s libel.
Thecomputerkid94 t1_j3w9egc wrote
Call the police, file a police report then contact your insurance and provide that report to them. Treat it like a car accident basically. Your insurance will figure out the details of the property owners.
Ill_Significance9716 OP t1_j3w9xfl wrote
Wont that affect the carfax report and decrease the car value? (First time car owner)
Ill_Significance9716 OP t1_j3wa0z1 wrote
Does insurance report it as accident? Does it affect the car value?
whybother5000 t1_j3wau4s wrote
Yes but your car started losing value the moment you bought it.
Thecomputerkid94 t1_j3waum7 wrote
There are several levels to a Carfax report. Something like this would show up as minor most likely. I'm not an expert with Carfax. Your other option would be talking to property management and asking them to pay for damages so it's not reported to your insurance. But that's up to you.
[deleted] t1_j3wawde wrote
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jim13101713 t1_j3wb8vy wrote
You should be able to go after management company for loss of value as well but your own insurance will usually not help with that.
Sometimes body shops report the damage/fix to carfax anyway, so not calling police or reporting to insurance does not necessarily help with this. Also, you should be honest when you sell the car regardless.
To this end - I would suggest getting quotes from Carvana etc. today for your car with an accident and without and save the screen shots. That would help you negotiate with management company for loss of value.
Ill_Significance9716 OP t1_j3wbj0y wrote
That would be my preference to not report it to carfax. Before contacting the property management i wont to make sure i am not missing anything
imaluckyduckie t1_j3wg1ye wrote
You should be reporting it as an accident because it is an accident. I could be wrong but I believe this is classified as a collision.
molly_watah t1_j3wgia3 wrote
To be fair if you knew these were broken for 2 months.. how’d you still drive into it?
nuncio_populi t1_j3whoyq wrote
That really stinks. It sounds like management definitely had constructive notice.
Out of curiosity – Was there another way in/out of the parking? Did the property require your car traverse that particular area?
Ill_Significance9716 OP t1_j3whsvz wrote
Previously 2 pieces were broken. They fixed one of the pieces which gave us enough support to get our cars in and out. The other one just broke this morning ending up damaging the car.
nuncio_populi t1_j3whxws wrote
This is a good Tort law question! Management had constructive notice to a defect on their property and had a duty to fix/repair it, I wonder if OP assumed some risk by using that lot because they knew of a potentially dangerous situation there?
imaluckyduckie t1_j3wi1av wrote
Don't forget about the time when OP got the car stuck in a storm gutter
Ill_Significance9716 OP t1_j3wi421 wrote
Nope the drainage is right outside the parking. Only way in and out of the parking.
imaluckyduckie t1_j3wmh5h wrote
Outside of the parking meaning this is on the public street?
Ill_Significance9716 OP t1_j3wn3hv wrote
No it is within the private premises.
notyourlawyer22 t1_j3wosbl wrote
Might also be a good idea to talk to a few lawyers and see what your options are. Personal injury lawyers might be your best bet. Sometimes just a letter from a law firm can make them straighten up and take it seriously. You could potentially make some money on this as well if they were on notice and were negligent in fixing or used subpar materials.
calripkenjk t1_j3wpdax wrote
Even though it is minor, it will show up as an accident from the buyers perspective
nuncio_populi t1_j3wq1hh wrote
So it’s at the only entrance / exit?
data__daddy t1_j3wr3xr wrote
LOL too soon.....
molly_watah t1_j3ws4ea wrote
So it sounds like management DID listen, and DID have it fixed, just not properly.
In this case I don't see how you'll have an issue. Assuming the complaints and fixes are documented it should be pretty clear that they're at fault. Treat it as an accident, make a claim, and get that thing repaired.
**I'm not a lawyer just fyi
Ill_Significance9716 OP t1_j3wsj46 wrote
Never worked with a lawyer before (New to the US) How does that work? Are the lawyers consultation free? Who pays for the lawyer’s fee?
ManchurianPandaDate t1_j3wvxsx wrote
This really grinds my gears
christinems4280 t1_j3wwacg wrote
You shouldn’t be trying to hide this happened. Your car loses value the minute you drive it off the lot. Insurance/police reports don’t report to Carfax. Body shops do. You should want to be honest when selling a vehicle (if you plan to).
christinems4280 t1_j3wwi50 wrote
Yeah it’s kinda appalling he wants to hide this ever happened. It’s an accident. Period.
Stillill1187 t1_j3wx5lh wrote
Unfortunately, you don’t have a say in what shows up in it.
minislice t1_j3x6lxh wrote
What building is this? Is this beacon?
TheWaveCarver t1_j3x6wq8 wrote
I might be giving OP (and myself) too much credit but if this were me...
I'd probably be assessing the cost of fixing the problem myself and contacting the property again afterward VS reporting the accident and maybe losing more money on insurance increases and a carfax report.
Is it really that shady to do? Honestly asking here. If I break my own mirror because of an issue with property, I might just be better off repairing it myself? This is with the assumption I won't be going after the other party involved.
christinems4280 t1_j3x7qso wrote
If it’s something that simple that you can fix on your own, go for it.
But if you’re trying to hold a company liable to pay for it and need a body shop to repair it, that’s something that should be disclosed to any potential buyers in the future.
TheWaveCarver t1_j3xadtn wrote
Yeah that makes sense. I'm new to owning cars myself so in general you want to disclose any major issues/body shop rework to the next buyer/owner.
2amRendezvous t1_j3xc9z1 wrote
They’ll sure react faster if that was someone’s broken leg instead of a car.
Economy-Cupcake808 t1_j3xcab8 wrote
Dude it’s a Honda civic.
PICHICONCACA t1_j3xk48y wrote
Tell me where this is so I can go over and walk on it. I need a vacation.
SadMasterpiece7019 t1_j3y40yp wrote
Why are you worried about the Carfax for a car that apparently smells terrible?
DjAsZy t1_j3yf4rw wrote
If you insurance is progressive then sad to say your fuk’ed this happened to me with a pot hole and they labeled this on my claim as an at fault accident , you have to take pictures and send it to city hall so they can reimburse you this is on the city not the property
fuhgettaboutitt t1_j3z3l12 wrote
> Unfortunately Fortunately, you don’t have a say in what shows up in it.
ftfy
Stillill1187 t1_j3z3pf5 wrote
Lol true!
nerdiestnerdballer t1_j3z4uvh wrote
From the looks of it the drain may be the city’s responsibility
_switch360_ t1_j3zlptj wrote
Management has no obligation to fix or pay for your damage if someone random hit your car. You can put in with your own insurance, you’re not at fault - your insurance an alway sue management on your behalf and recover (if they think there is a claim) and get your deductible back.
I don’t see a claim against anyone other than the car that hit you. Sorry, but this is why you have insurance. Make a police report, it’s not your fault.
Also, take a breath, don’t stress, it happens. You buy insurance for this reason.
***hopefully you have collision.
_switch360_ t1_j3zlw1m wrote
Trade in your car. There’s always a buyer for a used car, regardless of carfax
TotoItsCallMtrRacing t1_j3zqvji wrote
Typically most police reports aren’t reported to CarFax. I have fallen victim of several hit and runs in this area. The ones are CarFax happen to only be the ones that the damage was repaired by a shop and not myself. As far as the loss of value, that would be a waste of time. That would mean you’d be able to do this for every accident if you were not at fault, that typically isn’t an outcome
TotoItsCallMtrRacing t1_j3zrbwu wrote
Do things the right way and get it repaired at a quality shop (yes they will most likely report it to CarFax). With that being said, damage will show as minor and as long as it was a quality job you won’t take as much of a hit in value. Believe me, people who will appraise your car in the future can tell if it’s been in an accident, regardless of the records and especially if you repair it at a shitty shop
Ill_Significance9716 OP t1_j3zrhwm wrote
Any recommendation on repair shops?
TotoItsCallMtrRacing t1_j3zrm3u wrote
Not sure why you got down voted. If it is a public road, yea it would be. Hard to see from the photo and not much context from the OP. Aside from him trying to avoid CarFax
arca650 t1_j3zwegr wrote
Is this the parking lot near the Burger King ?
Vertigo963 t1_j400exw wrote
No, you're right and the other takes are bad - it's not shady at all. Auto insurance is a predatory anti-consumer industry that seeks to use every piece of disclosed information as an excuse to raise coverage rates and/or decline to pay for repairs. No one should ever feel bad avoiding the auto insurance system or being careful with disclosures to an auto insurer.
Whether this damage can be excluded from the CARFAX report is a separate question; obviously, the OP doesn't look as good on that front.
EDIT: Lots of auto insurance enthusiasts downvoting in this thread. Anyone with any real experience with these companies knows consumers have to be very careful to avoid getting ripped off.
Intelligent-Key-755 t1_j411vdl wrote
It’s a public road no property owner is in charge of a public road not the way it works
Intelligent-Key-755 t1_j4121f6 wrote
If it’s off the drive way in the street weather it’s an entrance or not it’s still part of the public road. Property lines usually stop at the sidewalk just a heads up
GreenTunicKirk t1_j417pxw wrote
Am I crazy? I would never park directly on a drainage system.
OP, ya done goofed and I'm not sure you have a ton of recourse. Take tons of photos, pull up all your documents, and go to your property manager and start the conversation. Or, call your insurance company and ask them these questions. You don't have to "file a claim" in order to get the answers. They can advise you on what the right option might be. If the damage to the vehicle is more than your deductible, then yes it's absolutely worth getting them involved.
[deleted] t1_j43ary2 wrote
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Last_Legacy0913 t1_j44euf7 wrote
That looks like the street side. if this is the beacon, then the second you walk off the grass lawn it becomes the cities' property. this wouldn't be the properties responsibility maintain. you might to take it up with city hall.
Ill_Significance9716 OP t1_j3w5b65 wrote
Not a great start to the morning! The drainage covers are broken since past 2 months. I have asked the management company to fix the thing but no one seems to pay attention to the problem. This morning my car got stuck and damaged the front bumper.
How do I go about it? Police report? Insurance? Ask management to pay for the damage? Lawsuit?! Would this affect carfax? Or insurance?