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Post by compeateropeator on Jul 12, 2021 14:09:39 GMT
Sorry I couldn’t really ask the specific questions because of poll question length constraints and sorry for the long post.
I am kind of mad at myself but wonder how others would react.
I was driving home from our camp on a main state route/road and as I was passing a house (that was on the other side of the road) the person mowing the lawn sent a rock flying that hit my car. I felt it and was like what heck…was that a rock? But traffic was heavy and there was not really a place to pull over right away to look. I kept thinking I should stop and look and then go back if there was damage. Unfortunately I did not.
When I got home and looked I have a quarter size dent and it chipped the paint so it will have to be repaired. A dent I could live with but the paint and clear coat needs to be fixed so it will not get worse and rust. I just purchased the car and only made my 2nd payment last week. It is pretty frustrating to have to already bring in a new car, with less than 3000 miles on it, to get repaired.
Anyway my question is would you have immediately stopped, checked, and then gone back and confronted the person mowing the lawn? I make myself so mad when I don’t do something that I know I should and then wonder why I didn’t .
ETA - I am not sure that confront is really the word that I want but can’t think of a better one.
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kelly8875
Pearl Clutcher
Posts: 4,390
Location: Lost in my supplies...
Oct 26, 2014 17:02:56 GMT
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Post by kelly8875 on Jul 12, 2021 14:12:34 GMT
I would have kept driving. What good would confronting them be? I had a windshield replaced at 400 miles....
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Post by Really Red on Jul 12, 2021 14:16:34 GMT
I would stop depending on the neighborhood and place.
I can tell you though, once a Best Buy truck lost a tire in the middle of the highway, right in front of me. I had to run over it as we were in a 70mph and cars on the right and left of me. Destroyed my car. Just destroyed it. I had literally left my XH 3 days earlier and I was in the middle of nowhere with 3 young kids. But that's neither here nor there. The answer? It was all on my insurance. No deductible, but it was on me. You may want to call your insurance and see what they'll do.
I'm sorry!
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Post by compeateropeator on Jul 12, 2021 14:20:23 GMT
I would have kept driving. What good would confronting them be? I had a windshield replaced at 400 miles.... Because they are responsible and their homeowners insurance would have to pay for the damage. I think it is different than a passing random truck or car on the road that kicks up a stone (IMO). Once on my way home from getting my windshield replaced a truck kicked up a stone and cracked my new windshield. That was not my luckiest day…hahaha. 😄
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gsquaredmom
Pearl Clutcher
Posts: 4,078
Jun 26, 2014 17:43:22 GMT
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Post by gsquaredmom on Jul 12, 2021 14:21:20 GMT
I am sorry that happened. I watched a neighbor’s kid throw a rock at my brand new minivan (less than a week). Still have that dent 15 years later. Kid said he did not do it. Parents said he did not do it. Told me to sue. Bottom line, it was a he said she said and it was not worth the hassle.
I would not for a few reasons: 1. Safety. It sounds like it might be too busy a road to risk my life. 2. People are crazy. 3. They may take the “I did not do it” “never saw a rock” “I saw someone throw a rock at you from another car”. All sorts of things. Unless you have it on video, you have only reasonable assumption on your part. You heard a noise, looked, and assumed that was the source. Reasonable, but you did not actually see it happen. Even video is questioned because of editing possibilities. 4. It sucks, but you have insurance.
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Post by workingclassdog on Jul 12, 2021 14:42:52 GMT
I totally get the frustration.. but I would probably not because they probably have no idea it even happened. How could you prove it?
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Post by crazy4scraps on Jul 12, 2021 14:46:28 GMT
I would have kept driving. What good would confronting them be? I had a windshield replaced at 400 miles.... This is how I feel too, and I also had a windshield replaced on my almost new car less than three months after I bought it. It wasn’t as if the person mowing intentionally kicked up that rock on purpose. They likely didn’t even realize what happened.
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julie5
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Jul 11, 2018 15:20:45 GMT
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Post by julie5 on Jul 12, 2021 14:47:15 GMT
No. Here rocks are common. Trucks throw rocks all the time. I hang back from a rock truck or tractor, amd if someone is mowing I slow down or swerve completely out of the way.
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julie5
Pearl Clutcher
Posts: 3,611
Jul 11, 2018 15:20:45 GMT
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Post by julie5 on Jul 12, 2021 14:48:55 GMT
I would have kept driving. What good would confronting them be? I had a windshield replaced at 400 miles.... Because they are responsible and their homeowners insurance would have to pay for the damage. I think it is different than a passing random truck or car on the road that kicks up a stone (IMO). Once on my way home from getting my windshield replaced a truck kicked up a stone and cracked my new windshield. That was not my luckiest day…hahaha. 😄 How do you know what their insurance would pay for. It also didn’t happen on their property.
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Post by MissBianca on Jul 12, 2021 14:49:34 GMT
Depends, if it was safe to stop then yes I probably would have but proving it would be challenging. DH had it happen to him, he was driving on the highway and the DOT was mowing and kicked up a huge rock and it flew through the backseat window. He did stop and talked to the guy and had to call the DOT to report it. Got the guys name, time location, etc. But DH was lucky because 2 second before it would have gone through the drivers side window. I had someone ding my brand new car a few months ago, we had a wind storm and I’m assuming the car parked next to us opened their door and the wind banged it into mine. It’s not worth the call to insurance and potentially have my rates for up. I’ll get it fixed eventually but I’ll pay cash for it.
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kelly8875
Pearl Clutcher
Posts: 4,390
Location: Lost in my supplies...
Oct 26, 2014 17:02:56 GMT
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Post by kelly8875 on Jul 12, 2021 14:52:29 GMT
I would have kept driving. What good would confronting them be? I had a windshield replaced at 400 miles.... Because they are responsible and their homeowners insurance would have to pay for the damage. I think it is different than a passing random truck or car on the road that kicks up a stone (IMO). Once on my way home from getting my windshield replaced a truck kicked up a stone and cracked my new windshield. That was not my luckiest day…hahaha. 😄 You can't prove it was from them though, if it happened on the road. You weren't in their driveway parked, you were driving past. Maybe there were rocks on the road that kicked up as you drove over them.
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Post by aprilfay21 on Jul 12, 2021 14:55:23 GMT
If traffic was heavy how do you know it was the mower and not another vehicle kicking it up?
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Post by compeateropeator on Jul 12, 2021 15:00:10 GMT
No. Here rocks are common. Trucks throw rocks all the time. I hang back from a rock truck or tractor, amd if someone is mowing I slow down or swerve completely out of the way. Totally understand the trucks…as I said before I’ve encountered and dealt with those and also stay back. There isn’t anything you can do sometimes. I am in Vermont…trucks, farm equipment, dirt roads…I get it This guy was on the opposite side of the road from me ( hit my drivers side) and was mowing at the very end of his lawn and where the road was… rocks were killing his blades. He knew he was spitting stones into road. I would hope someone would take responsibility but there are no guarantees, I get that. I would probably not pursue it if he denied, but most people are pretty honest and I didn’t even give him a chance to be honest and take responsibility for his error. 😉😄
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Post by compeateropeator on Jul 12, 2021 15:07:44 GMT
If traffic was heavy how do you know it was the mower and not another vehicle kicking it up? Heavy traffic for Vermont. 😉 😆 . I was in a line of 6 or 7 cars. There was no one coming the other way. It was a small town so we were down to 30. Narrow edges so I couldn’t pull over easily right then and there. I had my window down and the the guy was doing a turn at the road and his blades were just spitting rocks. I heard it and felt it. He knew it was spitting out rocks, but you are correct if he denied there would be no way to prove it. Most people own up to things around here. It is hard to sometimes describe how things happen but it flew from across the road and it was obvious.
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Post by compeateropeator on Jul 12, 2021 15:18:31 GMT
Because they are responsible and their homeowners insurance would have to pay for the damage. I think it is different than a passing random truck or car on the road that kicks up a stone (IMO). Once on my way home from getting my windshield replaced a truck kicked up a stone and cracked my new windshield. That was not my luckiest day…hahaha. 😄 How do you know what their insurance would pay for. It also didn’t happen on their property. Again you are correct. But I didn’t even try to get the proper insurance company to pay, and now I will either have a claim on mine or pay out of pocket when he was the responsible person and should take accountability. If it was any higher it easily could have shattered my window and hit a passenger, he is lucky he didn’t hurt anyone. I feel bad for thinking this but I almost wish there was a car coming in the other direction because then they would have gotten the blow. However I imagine that damage that would have been done to that car would have been a lot worse because it would have hit from a close distance instead of across an entire lane. ETA - it was like a bullet.
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Post by disneypal on Jul 12, 2021 15:29:13 GMT
I have actually stopped to confront some kids that threw a rock at my car - as soon as I stopped, they ran
But...if someone was cutting grass and a rock hit my car, I would be upset but I would also know it wasn't deliberate so I wouldn't confront them.
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Post by littlemama on Jul 12, 2021 15:33:11 GMT
No, of course not. This is no different than a truck kicking up a rock while you were driving. I certainly would not want someone to make a claim on their homeowners insurance.
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peppermintpatty
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Jun 26, 2014 17:47:08 GMT
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Post by peppermintpatty on Jul 12, 2021 15:33:19 GMT
I would have kept driving. What good would confronting them be? I had a windshield replaced at 400 miles.... Because they are responsible and their homeowners insurance would have to pay for the damage. I think it is different than a passing random truck or car on the road that kicks up a stone (IMO). Once on my way home from getting my windshield replaced a truck kicked up a stone and cracked my new windshield. That was not my luckiest day…hahaha. 😄 There is literally no way that you can prove that the rock caused the damage. You saying it doesn't mean it happened to insurance.
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Post by compeateropeator on Jul 12, 2021 15:47:53 GMT
Because they are responsible and their homeowners insurance would have to pay for the damage. I think it is different than a passing random truck or car on the road that kicks up a stone (IMO). Once on my way home from getting my windshield replaced a truck kicked up a stone and cracked my new windshield. That was not my luckiest day…hahaha. 😄 There is literally no way that you can prove that the rock caused the damage. You saying it doesn't mean it happened to insurance. Totally understand. However if he took responsibility, which I understand is very unlikely, he could have tried to file under his homeowners, which I understand may not have paid. 😄. If the situation was reversed and I was the person on that lawn mower and a person came back within minutes and showed me the damage, I’d know it was done by me and take responsibility for it. It would of sucked but I should have picked up my blades when that close to the edge of the road and loose gravel…or do it pointing in the other direction so that the damage can be done to my house. 😄 I am just mad that I didn’t even try, or at least make him aware so he could modify his mowing habits. 😄
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pinklady
Drama Llama
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Nov 14, 2016 23:47:03 GMT
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Post by pinklady on Jul 12, 2021 15:58:15 GMT
Absolutely not. Dings happens when you are driving on a public road. I get your frustration because it's a new car but you are wrong. If you want it fixed go thru your insurance.
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Post by freecharlie on Jul 12, 2021 16:04:17 GMT
No I would not. If he literally picked up a rock and threw it, then I would call the police.
Even if he knew he was spitting out rocks, I doubt he thought it would cross an entire lane of traffic and hit your car.
Stuff happens. I know it is frustrating, but I would not have stopped and I wouldn't still be thinking about stopping or going back.
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Post by compeateropeator on Jul 12, 2021 16:09:10 GMT
No, of course not. This is no different than a truck kicking up a rock while you were driving. I certainly would not want someone to make a claim on their homeowners insurance. Just out of curiosity,why? But it is okay for me to have to claim it on my car insurance? It is hard to describe the situation so I feel like I am coming off as defensive, I am not, truly. I understand a total random rock incident and I will take those. I have had my fair share of them and weird things like that…but this guy was not mowing responsibly by the road. I do think you are responsible for safe mowing practices. This was not a random rock on the lawn, he was trying to mow too close to the road and was sending clipping and stuff out into the road. But I am not outraged or anything, I am just whining because I have to think about the whole process and take my car in on my first day back from vacation. 😉😄 It is what it is, crap happens - but I do believe people need to take responsibility for their actions, even if the mishap was not intentional. But it doesn’t really matter because I didn’t stop. I was just curious on how other people would react to the (general) situation.
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Post by littlemama on Jul 12, 2021 16:37:11 GMT
No, of course not. This is no different than a truck kicking up a rock while you were driving. I certainly would not want someone to make a claim on their homeowners insurance. Just out of curiosity,why? But it is okay for me to have to claim it on my car insurance? It is hard to describe the situation so I feel like I am coming off as defensive, I am not, truly. I understand a total random rock incident and I will take those. I have had my fair share of them and weird things like that…but this guy was not mowing responsibly by the road. I do think you are responsible for safe mowing practices. This was not a random rock on the lawn, he was trying to mow too close to the road and was sending clipping and stuff out into the road. But I am not outraged or anything, I am just whining because I have to think about the whole process and take my car in on my first day back from vacation. 😉😄 It is what it is, crap happens - but I do believe people need to take responsibility for their actions, even if the mishap was not intentional. But it doesn’t really matter because I didn’t stop. I was just curious on how other people would react to the (general) situation. Your car insurance rates wont go uo for a windshield, his honeowners rates will go up for any claim. Homeowners will also cancel younif you have "Too many" claims- i think it is something like 2. I would consider this just a random thing.
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Post by freecharlie on Jul 12, 2021 16:55:02 GMT
No, of course not. This is no different than a truck kicking up a rock while you were driving. I certainly would not want someone to make a claim on their homeowners insurance. Just out of curiosity,why? But it is okay for me to have to claim it on my car insurance? It is hard to describe the situation so I feel like I am coming off as defensive, I am not, truly. I understand a total random rock incident and I will take those. I have had my fair share of them and weird things like that…but this guy was not mowing responsibly by the road. I do think you are responsible for safe mowing practices. This was not a random rock on the lawn, he was trying to mow too close to the road and was sending clipping and stuff out into the road. But I am not outraged or anything, I am just whining because I have to think about the whole process and take my car in on my first day back from vacation. 😉😄 It is what it is, crap happens - but I do believe people need to take responsibility for their actions, even if the mishap was not intentional. But it doesn’t really matter because I didn’t stop. I was just curious on how other people would react to the (general) situation. I wouldn't claim it on my homeowners for a couple of reasons 1) the damage is probably less than the deductible 2) homeowners insurance dings you for claims. Rates can go up or they can cancel your policy. I would not want to use a claim on a scratch and a ding to a car. Again, I doubt the guy thought the rocks were crossing the lanes.
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Post by compeateropeator on Jul 12, 2021 17:21:16 GMT
Just out of curiosity,why? But it is okay for me to have to claim it on my car insurance? It is hard to describe the situation so I feel like I am coming off as defensive, I am not, truly. I understand a total random rock incident and I will take those. I have had my fair share of them and weird things like that…but this guy was not mowing responsibly by the road. I do think you are responsible for safe mowing practices. This was not a random rock on the lawn, he was trying to mow too close to the road and was sending clipping and stuff out into the road. But I am not outraged or anything, I am just whining because I have to think about the whole process and take my car in on my first day back from vacation. 😉😄 It is what it is, crap happens - but I do believe people need to take responsibility for their actions, even if the mishap was not intentional. But it doesn’t really matter because I didn’t stop. I was just curious on how other people would react to the (general) situation. Your car insurance rates wont go uo for a windshield, his honeowners rates will go up for any claim. Homeowners will also cancel younif you have "Too many" claims- i think it is something like 2. I would consider this just a random thing. I am not sure that it matters but it is not glass, I kind of wish it was, it is a dent and the paint is chipped. A dent I wouldn’t even fix but the chipped paint needs to be - so it is auto body service, which I have never had come cheap for even the smallest nick. I assume it will come under my comprehensive if I file, but I would prefer not to have a ding on my insurance. I believe, but really don’t know, that have no deductible on my comprehensive…at least with glass which is all I have ever filed for (I think). Hahaha - sorry, did you get all that rambling. If I was in the same exact situation again I would at least stop and talk to the person. In different situations I would not. I am not happy about it but crap like this happens all the time, I whine for the day and then move on, this is no different. I would never go back now and but I think I would stop right then next time, although I never say never and I am just as apt to internalize it all the way home and avoid the whole situation. 🤷♀️ I do wish I was more decisive at times and my decisive self would definitely stop. 😄
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blue tulip
Pearl Clutcher
Posts: 2,983
Jun 25, 2014 20:53:57 GMT
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Post by blue tulip on Jul 12, 2021 17:34:36 GMT
Your car insurance rates wont go uo for a windshield, his honeowners rates will go up for any claim. Homeowners will also cancel younif you have "Too many" claims- i think it is something like 2. I would consider this just a random thing. I am not sure that it matters but it is not glass, I kind of wish it was, it is a dent and the paint is chipped. A dent I wouldn’t even fix but the chipped paint needs to be - so it is auto body service, which I have never had come cheap for even the smallest nick. I assume it will come under my comprehensive if I file, but I would prefer not to have a ding on my insurance. I believe, but really don’t know, that have no deductible on my comprehensive…at least with glass which is all I have ever filed for (I think). Hahaha - sorry, did you get all that rambling. If I was in the same exact situation again I would at least stop and talk to the person. In different situations I would not. I am not happy about it but crap like this happens all the time, I whine for the day and then move on, this is no different. I would never go back now and but I think I would stop right then next time, although I never say never and I am just as apt to internalize it all the way home and avoid the whole situation. 🤷♀️ I do wish I was more decisive at times and my decisive self would definitely stop. 😄 you could go to an automotive store and just get the touch-up paint, and fix it yourself couldn't you? if you wanted to avoid the big cost and you're not getting the dent removed anyway...
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Post by Really Red on Jul 12, 2021 18:17:22 GMT
I don't know about you, but my HO deductible is $1000. My car's deductible is $250. The ding you talk about is surely under both of those costs, right? It sucks that you're out the money, but I doubt any insurance is going to come into play.
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Post by compeateropeator on Jul 12, 2021 20:21:48 GMT
I don't know about you, but my HO deductible is $1000. My car's deductible is $250. The ding you talk about is surely under both of those costs, right? It sucks that you're out the money, but I doubt any insurance is going to come into play. Sorry for the delay answering. I brought my car for an estimate and then I thought I had to work at 3:45. There was a schedule snafu and a 3rd shift person was schedule to work so I guess I will take the night off. Hahaha. Hate to just burn a CTO day but what do you do. If I had known I wasn’t working I would have stayed at camp one more night and avoided the situation and this thread altogether. 😆 The estimate is 1300.00. I will get it fixed because I have no carport or garage and (between snow, salt, brine and the elements) it will only get worse and corrosion is imminent.
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Post by mom on Jul 12, 2021 20:31:06 GMT
I would have kept driving. What good would confronting them be? I had a windshield replaced at 400 miles.... Because they are responsible and their homeowners insurance would have to pay for the damage. I think it is different than a passing random truck or car on the road that kicks up a stone (IMO). Once on my way home from getting my windshield replaced a truck kicked up a stone and cracked my new windshield. That was not my luckiest day…hahaha. 😄 The problem is you can't prove the lawnmower did it. Its basically your word against theirs, and they have an interest in NOT claiming something on their homeowners policy. While it absolutely sucks, I don't think there is much you can do.
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Post by mnmloveli on Jul 12, 2021 20:39:16 GMT
So sorry this happened but you can’t prove it came from the lawn mower vs a rock kicked-up by a car. I think this is what car insurance is for. Hopefully you don’t have a large deductible.
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