Trash Truck Damaged Our Gate
We live on a property with a mechanical gate, and our weekly trash pickup has always gone smoothly until a couple of weeks ago.
This time, the trash driver called to get the gate code. My husband provided it, and the driver successfully collected the trash. However, when it was time to leave, he didn’t know how to exit the gate. Instead of calling for assistance, he got out of his truck, jumped the fence, entered the code, returned to his vehicle, and inadvertently dragged our gate with him, damaging it and breaking the mechanism in the process. He then spent 45 minutes trying to detach the gate and later called back to inform us that he needed to replace two gate pins. But the photos we have tell a different story.
Now, the driver’s insurance company is suggesting that we file a claim through our homeowners insurance. I’m concerned that the damage might not exceed our deductible, and I’d prefer not to have a claim on our record. What do you think we should do?
I’m sorry to hear about the trouble you’ve had with the trash truck damaging your gate. It sounds like a frustrating situation, especially considering it was an accident on their part. Here are a few thoughts on how to proceed:
Document Everything: Make sure you have all the evidence documented, including photos of the damage, any communication with the trash company and their insurance, and a timeline of events. This documentation may be helpful in resolving the situation.
Negotiate with their Insurance: Since their insurance is suggesting you file a claim through your homeowners insurance, it’s worth pushing back. Explain your situation about the deductible and see if they can cover the repair costs directly without involving your homeowners insurance. Sometimes insurance companies will be willing to settle directly with you to avoid a claim.
Get Repair Estimates: Contact a professional to assess the damage and provide a repair estimate. This will give you a clearer idea of how much it will cost to fix your gate and help in negotiations with the insurance company.
Consider Your Options: If the repair costs are significantly below your deductible, you might choose to pay out of pocket rather than file a claim. Weigh the pros and cons of filing a claim versus taking care of the repairs yourself, keeping in mind the long-term implications for your insurance record.
Consult with Your Insurance Agent: If you’re unsure about the best course of action, consulting with your insurance agent could provide clarity on the implications of making a claim and what your options are.
Ultimately, it’s about what feels right for you and your finances. Good luck, and I hope you can get this resolved quickly!