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Discussion Starter #1
Okay so I have an 07 mustang and I live on a farm. Kinda different I know... everytime i come home i drive like 15 mph on the gravel and can't stand it. Well I came home from work yesterday and my dad had let some of our cattle out of the main fenced pasture into the connecting part where our house and garage is. Well they usually don't mind humans or anything like that so i didn't worry about it but when i came outside to go to work i saw one of our bulls scraping his horn down the pass. side of my car there is a big dent in the fender looks like he ran into it and a long scratch with a ton of scuff marks all they way down the car!!!!! I don't know what to do. I don't think we even have our homeowners insurance because it was an extra thousand a month that we didn't think even needed. Will my auto insurance cover this? What is it vandalism? Sounds kinda comical i know but im so upset about it i don't know what to do. I did smack the bull with a piece of rebar (made me feel a lil better)
 

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That is horrible, sorry to hear that. I don't know if vandalism qualifies if a Bull did it :scratchchin. Maybe you can tell the insurance company that you were driving down your street when a bull came out of no where and hit your car.
 

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Insurance should cover this under Comprehension. It really applies to anything else but a accident. As long as you can cover the deductible.
 

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ouch that sucks! in my experience though with things like this sometimes its best to just pay out of pocket for the repair. I'd get an estimate first, you don't want your insurance to go up!
 

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That sucks! My relatives live in the country, and it sucks! I went up there (OH) w the stang once and as soon as I wash it and drive away, the car is dirty again.
 

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Insurance should cover this under Comprehension. It really applies to anything else but a accident. As long as you can cover the deductible.

Exactly, you should have full coverage if your still paying on her.

ouch that sucks! in my experience though with things like this sometimes its best to just pay out of pocket for the repair. I'd get an estimate first, you don't want your insurance to go up!
Most companies (mine) never raised rates for comp. claims. Now if your at fault that's another story!

Won't hurt to call them. Hopefully your deductible is not too high :bigthumbsup
 

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Take the bull to court.



:p



Any pics? Depending on how bad it is it might not be too expensive to do yourself, that is if insurance covers it.
 

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comp will cover it. i know what u mean tho....i live on a 7000acre farm in central indiana and we've got about 400 head of cattle too. we keep em in the pasture but the bulls can get out of hand especially when they fight. i couldn't imagine leavin my car out when they start sparring.....ouch
 

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Maybe the bull only likes camaros.
Seriously, sorry to hear about your car. And your insuarance should cover it.

Make some seat covers outta him.
 

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Have the damage appraised. Once that's done call your insurance company. That's the easiest way to know if you're covered or not. On my father's farm whenever we took the old half-tonne into the pasture the cattle would always lick the 150... I think that cattle are genetically predisposed to assaulting Fords.
 

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I can just see your insurance guy..... trying not to laugh as you tell him your story... and then at the last possible moment, he blurts out" I think your story if nothing but a bunch of Bull":happyhapp (sorry, even you said this is comical) In all seriousness though, this is an act of nature, same as if a tree fell on your car. Should be covered. Give your insurance co a call and get the ball rolling. Good luck.
 

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Discussion Starter #13
Oh you haven't even heard the half of it yet. Im about done with kansas (even though i still halfway love it). Im 18 my first car was a 99 stang that i put a lot of work into getting it just the way i wanted it; been working 40 hrs/week since fresman year and was heading home midnight one night after work flying down country road bout 65 mph ready to get home and i slammed into a black cow that stepped in front of me and went nose first into a ten foot drop ditch. Haha hospital till 6am let me go and i went straight to school when i called my agent she laughed at me and told me the black cow was prolly racist against the white stang. Needless to say my new stang is black lol. My bro turned me to the meguiars scratch x2.0 takes a lot of time and elbow grease but its amazing! its getting almost all of it out! Anyone who hasn't used meguiars should give it a shot. Thanks for all the help too my estimator is coming out sometime tomorrow
 

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Have the damage appraised. Once that's done call your insurance company. That's the easiest way to know if you're covered or not. On my father's farm whenever we took the old half-tonne into the pasture the cattle would always lick the 150... I think that cattle are genetically predisposed to assaulting Fords.
I blame Dodge for all the problems with the Bulls...
 
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