does a church steeple with a lightning rod on top show a lack of confidence?
First this is an at fault loss. You will be required to pay for your deductible, the insurance company will pay for the repairs that exceed your deductible. If the fire hydrant was damaged, the insurance will pay for that too. What do you tell them? What you wrote. BTW, there is no such thing as a right front quarter panelit's the right fender, the quarter panel is in the rear.
Any higher quality penn spinning reel (that will hold enough line) and a less expensive surf rod should do the trick for you. You should be able to get out close to $100.00, but maybe not below it I prefer bait-cast reels, except for surf fishing.
First check your policy. If all you have is PL and PD, it will pay for the fire plug if you damaged it, but won't pay the damage on your car. If you have collision, they will, minus any deductible amount of course. If you have collision, all you will have to pay is whatever deductible amount is listed there. Your insurance MAY go up, ask when you call about the claim. As to what to tell them, just what you told us.
Call your insurance company and tell them you want to file a claim. They will go over the basic information about what happened and will put you at fault for the accident. Then, someone will do an estimate on your car and write you a check for the amount of damages minus your collision deductible. You rates MAY increase but not extensive enough to stop you from filing a claim.
So like an idiot, I start driving and run into a fire hydrant. This damages the front right quarter panel, the right blinker, and it may have also damaged the axel or steering column because I couldn't get my car to move after that. What do I tell my insurance company? and am I going to have to pay anything? Follow 8 answers
