YNAB You Need A Budget

[5996lauderdale]

My 17 yo DD still has her learners permit and has been driving since Sept. 09. To be honest I am not surprised by this at all. She was pulling in the driveway last night and as usual I feel the need to remind her to stop before we go crashing into the garage door. Well I said stop she tapped the brakes then the accelerator and crashing thru the door we went. The garage door is a 2 car garage door that we put on brand new in 07. If my memory is correct it was 1700 with door opener track and installation. I dont think the opener needs replaced but maybe everything else. The car is fine comparetively. No dents just a bunch of white paint on the hood the rain has taken care of today. Dh can probably buff out the rest. Part of me says pay to replace it and forget it. The other part of me says then why do we have insurance? Car and homeowners. I dont know what to do? Our ef was gonna finally get some steam 4/1. With Murphy in the garage that money wont even make the savings account Suggestions???

[Patzer]

You may find that your auto insurance won't cover the garage, and you have to go against your homeowner's insurance. That's the story I got when my daughter pulled the car into the garage the hard way.

What you do about it depends on how much money you're looking at. FWIW, I put the story about my daughter, the garage, and what I did with the budget in my journal.

Patzer

[5996lauderdale]

Since DH is pretty handy he was able to unmangle the door. Straighten out all the roller pins that popped out and put them back in the track to atleast secure the garage. Atleast the door looks fairly normal to passers by who dont look twice. lol At this point im thinking this may not qualify as an emergency considering nobody can get in or out thru the garage door, we dont normally park cars in there any ways. So in my mind there is no emergency to get it fixed with every dime we have. After reading Patzers experience im thinking a claim against only the homeowners with a 1k deductible maybe worthless. So we will just save our money and think about it.
What a contrast from pre ynab.

[hdsportyguy]

Being that a car caused the damage it would be an automotive claim. The questions I would ask honestly are 1)Is your daughter listed on your policy, as that might make for a mess if an unlisted driver was driving your car and caused an accident, and 2 how much will this cause your rate to increase? I wouldweigh that against the cost. Depending on the state that could cause the rate to insure your daughter to increase for the next 3-5 years. Hope that this helps.