hello fellow duners i was driving with my sandrail and was using my friends truck had the rail tied down good two forward one back big straps,driving down the road two dogs ran out in front of me and slamed on my brakes heard the strap snap then saw the rail coming flying at me hit the back of the truck and destroyed the tail gate and bent both of my a arms and scrached the bottom all up,i talked to my insurance broker and they said my insurance would cover my rail and his truck.my qustion to you guys would it be worth the claim or will my rates go threw the roof when i renew in may next year? the insurance is threw foremost. just wanted to see wich way makes more sense, thanks for any imput you guys will have thanks i have put sum pics up for you guys to see what hapend

wow that sucks. depends if you have the cash to fix it or not.

Awww man that sucks!!! I can't help with your question but I know there is a few insurance experts here on the board that can probably answer your question.

What kind of straps were they?

you are gonna get the "all these claims by other people are making all our insurance rates go up " i say do whats best for you ,if that were most of the guys sayiing that ,would turn in a claim in that situation . you paid for the insurance for a case just like this . i bet it's gonna cost quite a bit for the repairs between the two of them . jmho .tim

Would it be covered under the truck insurance since the rail is on the trailer connected to the truck?

Saw something like that on the highway, except homie only had straps on the front of the trophy truck....the tow vehicle stopped...the trophy truck didnt and damn near hit the cab of the truck! Good luck to you bro...tht sucks. Time to invest in tougher straps? I have 5k lbers...lemme know.

hey guys i can afford to fix it,but thats why i pay insurance in the pic you can see the strap that broke it was a big one not a cheap walmart ones. my broker said it would be better to claim under rail cause its my insurance and not my buddys thanks again

good advive


then i would do it under insurance. just so you know my wal mart straps arent so cheap ive had em for 4 years now and work good for me.

That looks like CaptSANDs old sandrail from Tempe. Duned many times in that rail and its a nice one!

I would claim it. That is why you pay the premiums. I have 10k straps I use. Mostly because we used them to tie down a 4500# land speed car. Would rather have more coverage then just barely enough.

CHEAPER TO RUN THE DOGS OVER NEXT TIME

What's your deductible? If it's $1k you might be better off just paying out of pocket vs. the hit on your insurance rates.



True dat. I swerved to avoid a coyote on an offramp a few months back... $5k in damage. Plus my insurance said that since I missed the friggin' dog, I couldn't prove it was a "road hazard"... so I took the hit on fault. Lesson learned = next time, sorry Fido.

[quote name='ProBaja' date='Jul 21 2010, 11:13 AM' post='3764302']
That looks like CaptSANDs old sandrail from Tempe. Duned many times in that rail and its a nice one!

Yep..That's it. Man, that sucks bad. What's the total damage to the car?

hey Paul hows things going? front a arms bent and the front part is scraped bad bent enought i think it needs new arms. its been a great car tho man i have been slowely working on it as you can see put front brakes beadlocks with desert tires new t3/t4 turbo upgrade with a intercooler and runing 15pounds of boost,power steering and one new tranny haha and i just picked up a 2.5 subie for it we are building it now. next month its going in for a center consule and wing up top in rear and then its going to paint i will send you a pic when its done. hows the new rail thanks again for the great rail

Sucks about the damage. Maybe a good time to add provisioning for bypasses in the front? Look forward to seeing the new wing when all done. 2.5 subie will make that car come alive!! Glad it's been a good car. Hated to see it go... Post a thread with the updates. My "new" car is great. Absolutely love it.

I'm of the mindset that I pay for insurance in case shit happens and it looks like shit happened. Put in the claim, they rob us every month so you may as well use it. That is what it's for.

Claim it. I had a bad one bill was over $16K on my rail. rates never went up. Just renewed again for $590 per year.

Get a trailer with taller sides...

Here are a few questions you have to ask yourself. What is the estimated cost to fix both the truck and buggy, vs what is your deductible. Example if your deductable is $500 and the total damage is $800 to $1000, you might consider fixing it yourself and keeping the insurance out.

Now the next question is how is your driving record and have you made any claims with your insurance carrier in the past year or two? Only claims that were listed as your fault would be a major concern. If your insurance paid out because of someone else's fault then it should not effect your insurance record.

I had never made a claim against my insurance. 2 years ago I ran out of talent backing the motorhome up in the dark and the back passenger corner of my motorhome caught the hitch part of my trailer and tore up a lower storage compartment door. And to top it off I tweaked the trailer. Lesson learned not to back up in the dark between the house, trailer and retaining wall without help. Also this lesson cost just over $8000 to repair. But because I have not made any previous claims and because my driving record is clean I did not get any increases in my insurance. Also helps that the only property damage was my own property.

Good point about the dog and it brings up something rather interesting that happened to me. My lab a few years ago got out and headed straight for the road. He was hit and killed and it caused damage to the Ford Ranger pickup truck. Turns out it was my home owners insurance that was responsible for repairing the dude's truck.

So yeah next time run over Fido and have his owner's home owners insurance pay for damages.

Just for the record, If my dogs ever get out and someone hits them I better see skid marks or they wont make it to the insurance claim part. Just saying.

good thing the car didn't leave out the back!

DAMN DOGS ,,,,,,,SHOULD KEEP THEM ON LEASH IRRESPONSIBLE DOG OWNERS FIND THEM AND CHARGE THEIR HOME OWNER INSURANCE

thanks guys i already talked to insurance compnay they said no prob claiming it , i have a great driving record and i never do claims, i just took the rail into the shop that works on it he said he would shit can the a arms and start over he said he would not trust them for the stuff we do in the car.i am going to claim it i will keep you all posted. ( as far as buying a biger trailer you show me a 24x101 trailer with taller sides and i will buy it!!!!!) thats not why this happend and i would rather eat the cost than run over someones pet

It's too bad this all happened, looks like it will all get worked out.

read all the posts and although it seems obvious no one has said it.

Always use 2 straps with 2 different anchor points on both ends. Higher front rail could help too but redundant straps are always a good thing.

Good news is there is plenty of time to get it all up and running before the season starts.

Good dunning to ya and post some pics of the new stuff.

I had a 30K+ claim on a sandrail and my rates never went up. I have heard people call and ask about coverages and had their rates raised just for asking! Makes no sense.

If you dont have any other claims recently I would claim this.

Was the dog a pitbull by chance?

"Pitbull destroys Sandrail". Now there's a headline that would piss this forum off!!!!