You are an idiot. They would be out of business A LONG TIME AGO if they didn't have waivers. Every jackass like the OP or you would be taking their loaner cars and crashing them and putting them out of business. Don't pretend like you know everything, it's clear you do not know anything about how a business is ran.

 

I think his point is that unless you read the waiver that was signed by the OP, you don't know who is responsible for repairing the car. All you can do is make assumptions.

 

Assumptions don't matter in this case. The OP crashed the car. HE is responsible. The dealership should NOT be paying for anything. When will people start taking responsibility for their actions? I would love to see his reaction if the dealership wrecked his car and told him HIS insurance has to cover it.

 

Again, how do you know this? You didn't read the waiver so you don't know who is responsible for the damages. All we know is the dealership said his insurance was responsible, but they may have just been talking out their a** to see if he would cave in.

Also, it doesn't really matter whether or not you think he should take responsibility for his actions because your opinion has no bearing on what will actually happen.

 

The really sad thing though is that it was her parents that didn't have health insurance and didn't buy comprehensive coverage. No college student (or at least very few) buy their own car/health insurance. Even people who can afford to live in Brentwood are stupid to not spend money where it counts.

Anyways, getting OT now. Sorry.

 

This has absolutely nothing to do with refusal of a claim.

 

dang man you are definately in a hole because of that but did you take any pictures of the accident.

 

Nice name calling, one of the first defenses for the intellectually defeated (nice grammar too). I never claimed to know everything. It's people like you that have been making statements as if you know everything about the situation when it's very obvious you're just talking out of your ****. You don't know what the waiver said, you don't know the insurance laws in that state, you don't know anything about the OP's insurance policy, you don't know anything about the dealership's insurance policy. The only thing you do know is how to do is blather on cluelessly about something and call people names.

But thanks for contributing absolutely nothing of value to this thread.

 

I would love to see his reaction if the dealership wrecked his car and told him HIS insurance has to cover it.

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Well said. Imagine if your G was smashed because the idiot service tech decided to go drifting in the parking lot and he smashed into a pole. And the dealer said, well you have full insurance right? Might as well let your insurance company handle it.

Or when the dealership nicks your brand new rims, and says, well, you signed the invoice stating that we are not respoinsble for any damages done to your car while in our service.

You crashed it, you're responsible for it. Plain and simple. Just because some guys father insurance covered the accident his son caused, doesn't mean the dealership should cover your azz.

That's a weak analogy. 1st, you are not related to the dealership and you are not employed by them. So, I'm sure their insurance would cover accidents caused by their employees.

And yes, family are covered under your insurance plan if you listed them as a "known driver".

 

Get full coverage. Switch to Geico for Christsakes! I saved over $2,000 by switching to Geico! W00t!

OTOH I'm stuck in a Pontiac G6 loaner while the radio is being fixed under warranty. I'm thankful that I have a car to toot in, but I'd kill for a G37 loaner.

 

If I wreck an Avis rental or whatever, I'm pretty sure I'm responsible. Can't see it being any differernt in this situation. As someone said, if the dealer wrecked your car, who pays?

 

OP, you're in a very bad situation. The best thing you should do is to consult with a laywer if your insurance not willing to help you out. Learn from your mistake and be smart about it. This is not the best forum to ask legal questions.

 

First question any lawyer worth their salt is going to ask the OP is why on earth the OP didn't have insurance coverage beyond third party liability coverage.

Then they will require the OP to fork over a retainer of several thousand dollars to investigate the possibility of any good faith defenses. In most states homeowner's third party liability coverage follows outside the home for their negligent acts. Of course having homeowner's insurance assumes one owns a home.

Getting a loaner car at the Infiniti dealer is no different than renting a car at Enterprise. The difference being that you paid for the rental in advance when you bought the car. Any time you rent a car you agree to be liable for any damage that occurs to the vehicle during the rental. The rental companies cannot obtain commercial insurance to protect themselves against third party claims if these liability waivers aren't issued and executed.

Whenever I get a loaner at my Infiniti dealer here in Illinois the dealer in fact does require proof of insurance and a credit card. The Illinois insurance cards display the types of coverage carried. Assuming the dealership submitted a hold against the credit card, and the credit card issues such coverage, the credit card may cover what is known as collision damage.

The Infiniti owner's manual states that loaners are subject to availability at each dealership and that the dealers can set reasonable rules such as proof of collision insurance coverage before issuing the loaners.

 

all of yous are crazy.


this whole deal has very simple explanation.

BY LAW IN EVERY STATE you are required to have a liability insurance.
It is required by law so that when you damage someone elses property those people will be compensated.

How you damage it?........it does not matter.

In this situation OP has damaged dealerships property so his insurance will cover the LIABILITY claim because he is liable for the damages.


Case is closed........no need to discuss anything else and call each other Idiots.............Idiots!

 

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