Hours after I poured a new driveway a drunk lady crashed her car and put a huge gouge in my concrete. Gouge about 24″ X 6″ x 2″ deep. NO insurance (go figure!). How do I patch it so it looks half assed ok?
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Replies
Well it's deep enough and new enough that you should be able to float some new crete in
http://www.cliffordrenovations.com
http://www.ramdass.org
I know how I would handle it.
TOS forbid me from responding, sorry.
I wouldn't patch my new concrete though, it would always be a patch. If you must - suck it up, pull it out and pour it back in.
That sucks....
Oh, forgot to ask. what'd she look like? Could change my whole responce...)
Remodeling Contractor just on the other side of the Glass City
It doesn't matter whether she has insurance or not, she is still liable to pay for the repair.
If she has any assets that wold come up to the value of the cost of repair, and the cost of recovery, her liability might matter. Frequently those who drive under the influence, and are uninsured, have a serious problem with substance abuse. Typically, they don't have any assets, it is worth going after.
Edited 5/23/2009 9:41 pm ET by Jigs-n-fixtures
contact your homeowners insurance, they should take care of it at no cost to you.
Or if you want to fix it, cut some lines in the concrete where they look like they should be there and break out the bad part. Lay new concrete in that area. It will soon weather to match.
Your homeowner's policy should pay to have the section replaced.
True, but the deductible will apply. $500 ? $1,000 ? Not worth filing a claim.Greg (insurance guy)
Impound the lady's car.
As I stood before the gates I realized that I never want to be as certain about anything as were the people who built this place. --Rabbi Sheila Peltz, on her visit to Auschwitz
THAT sounds like the best solution. You get to sell her car for payment and she ain't got no ride.
Actually, the OP should check his CAR insurance. In MN, at least, as I understand it if the motorist at fault is uninsured your auto insurance picks up the tab, even if the damage is to your house or other property. And there would be no deductible, IIRC.
As I stood before the gates I realized that I never want to be as certain about anything as were the people who built this place. --Rabbi Sheila Peltz, on her visit to Auschwitz
Good point Dan. All car insurance policies include a rider for uninsured motorists.... and you are right that auto insurance doesn't only kick in for auto to auto accidents.
<!----><!----><!---->
I refuse to accept that there are limitations to what we can accomplish. Pete Draganic
Take life as a test and shoot for a better score each day. Matt Garcia
I,m telling you whiffle bat, it make you feel good
You said a wiffle bat wont hurt, I think it would sting alot & yes I'd feel great hitten the hell outta her with it & fix the drive myself.
WACK WACK WACK---WACK WACK WACK No one should regard themselve as "God's gift to man." But rather a mere man whos gifts are from God.
After I sicked my dog on her and enjoyed the heck outta Mia chewing on her drunk butt for a while,Id cut out the damaged area and re-pour it.Does kinda suck. No matter how well ya try to blend it in...You will always know that there is a patch there.You can always take her to small claims. Good luck in getting anything outta her.Cant get blood out of a turnip
Edited 5/25/2009 2:00 am by Sancho
Cant get blood out of a turnip
We all know that. But can you put blood in a turnip? Just wondering.http://www.quittintime.com/ View Image
Never could bring myself to eat turnips. Cooked spinach, either.
Ha,Ha, Right. How likely is it that she even has valid title to the car? He would probably end up on the hook for some sub-prime car loan.
He would not be responsible for the loan. Bjut does he have un-insured motorist coverage on his auto policy?
Make sure you have this coverage and that it is stacked.
I was responding to the suggestion that he commandeer her car for reparations. I don't think either comment was intended to be serious.
Actually, when I was a kid, there was a car chained to a house in Dallas, Texas. Stayed there for years. Damaged the steps and brick columns on the porch.
If the driveway is worth less than $1000, then it must be awfully small.
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I refuse to accept that there are limitations to what we can accomplish. Pete Draganic
Take life as a test and shoot for a better score each day. Matt Garcia
Pete, The scrape is 2 feet by 6 inches. They won't replace the whole driveway, no matter how good the insurance is.Greg
go to walmart and buy you a whiffle bat, and then track her down, just beat the living ***** out of her. no ,it not going hurt at all but it going make a lot of noise and make you feel better
Get over it....... The angry going eat you up. ~Brownbagg '06...Tact is the art of making a point without making an enemy..You are always welcome at Quittintime
<<not going hurt at all >>Not true. Some friends of mine and I beat the h**l out of each other with them. You can break small bones and do some serious deep tissue damage with a little practice. I am 100 percent certain that ten years ago I could have knocked a man out cold with one of them, might still be able to, I don't know. I'm getting old.
You asked how to patch it, not how to pay for it. I'd probably saw out a section all the way across, you're going to see it every time you drive in or out - it would bug the heck out of me to have a patched spot in a new drive. Your pour is fresh enough that the color should match up after a time.
Maybe a three foot run, the full width of the drive. You could saw across every three feet, if it would make the repair disappear. Add some character.
I'll bet your only recourse to collect on this is through small claims court. She IS responsible, insurance or not. As I said, your Homeowner's Insurance would pay, but it's below your deductible. And the deductible WOULD apply - they don't waive the deductible just because something's not your fault.
Uninsured Motorist Coverage is for your cars ONLY. At least in my State. Homeowners Insurance doesn't cover your car, Auto Insurance doesn't cover your property. I've had my Insurance License for 23 years - this is what I do. Sure, some States or Companies might differ, but I'd be very surprised. The most common deductible for Uninsured Motorist Coverage is $250. This damage is bad to you, but an Insurance Adjuster would probably appraise the actual damage to be about that, $250.
Good luck on the patch.
Greg
Wouldn't your homeowners pay for the drive, and collect from the driver of the car that ran into the driveway? My auto collects the deductible from anyone who hits my car and collects from the other driver.
Isn't this the same thing?
Yes, they cover physical damage to your property, and they would attempt to subrogate or sue the driver. But, again, your deductible comes first. It's a pretty minor loss - even if a pro quoted $1000 for the repair, your deductible would be subtracted, and the insurance company might pay only $500. They'd just take the hit, it would cost too much to chase the lady down.In my experience, people that drive without insurance don't have a damn thing to sue for; no money, no assets. Then throw drunk driving on top of that - not a person of responsibility. Greg
My insurance pays the deductible and then collects. I've never had to pay a deductible when I was hit. Progressive.
Don't those stupid commercials make you want to change companies?
I hate them. Change the TV every time they come on. Just because of that chick.
no, its to cheap toquit. $132 a month for full coverage with PIP.
when I was 16. I rolled dad pick up truck down an embankment and the toolbox came off and hit the guy fence, about $50 damage. the home owner drag the tool box into his yard and held it for ransom. The police arrested the homeowner for thief of property
my understanding is uninsured is if the other driver who is at fault with no insurance and you are hurt the unisured part covers some medical.
it does not cover physical damage,if it did there would be no reson to carry collision on your car.
your in insurance,explain all this to me.YOU ONLY NEED TWO TOOLS IN LIFE - WD-40 AND DUCT TAPE. IF IT DOESN'TMOVE AND SHOULD, USE THE WD-40. IF IT SHOULDN'T MOVE AND DOES, USE THEDUCT TAPE.
#1, the lienholder makes you carry collision#2, you carry collision in case YOU do something wrong and wreck your ride.Most folks drop collision when a vehicle is about 8 year old, or hits 100,000 miles. After that, it's really a waste of money.I encourage most folks to continue to carry comprehensive coverage even on older vehicles. If you're gonna hit a deer, he doesn't care if you're driving the new Lexus or your work truck. Same for the broken windshield - rock doesn't care. Comprehensive coverage is very inexpensive, but covers fire, theft, vandalism, tree limbs, broken glass, hail, deer. All thing out of your control.Uninsured Motorist Coverage is very important - covers the damage to your vehicle, even if you've dropped the collision, but also injuries and lost wages. The loss of the ability to earn an income is a big deal to all of us that are self employed. We're talking to a man here with a damaged driveway - but what if that drunk, uninsured driver had run a stop sign and hit our friend's work truck - and broke his leg, hip, pelvis, head. He would be out of a ride, out big bucks to the hospital and doctors, and missing income for weeks and weeks. No such thing as uninsured coverage for your house, though. Airplane crashes on your house, hope you have good homeowners insurance, 'cause they'll all be pointing at each other for months until someone determines who is liable.Greg
I'd say if an airplane hits my house, its pretty obvious the house didn't move. The amount of damages above my homeowners would be the issue I guess.
BTW, airplanes wouldn't be wind damage would they? Cause I dropped my windstorm coveage and the Blue Angels practice over the neighborhood.
Your house or a customer's?
If my own house, I'd get out the impact hammer, follow the gouge and create a snake or other animal or artistic patteren along the edges, then patch with concrete with color added.
Just cuz sumtings bitter dont mean youse cant make lemonade??
Junkhound has it.
Do the creativity thing or put another identical rectangular patch eqi-distance on the other side of the driveway to create a symmetrical balance
or make a 2foot replacement across the whole width.
Edited 5/25/2009 10:42 am ET by rez
Buy another car and leaved parked over the gouge?
View Image
Sorry, someone hacked my password to post this ....)
"Ask not what the world needs. Ask what makes you come alive... then go do it. Because what the world needs is people who have come alive."
Howard Thurman
http://rjw-progressive.blogspot.com/
Yours gets a 1/2 constructive respose only <G>, but maybe fit in with a drunk driver neighborhood? Next time auto damage can be claimed, just to add to the BS.
Out of 37 posts, only 5-1/2 have anything 'constructive' vs. beat her with a ballbat. et. Al.?
Iz dere more lawyers here than peoples who can build or have any imagination past wiffle bats etc....
Get some FinishCrete or a similar product at a professional concrete supply place. We fixed a retaining wall at a car wash where a lady went through the rail and most of the way over the side, took out 20' of pipe fence and broke an 8 inch curb.
You could not find the patch now.