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Old 01-08-2006, 10:52 AM   #1
CletusTheDwarf
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Default Update on my vandalized car AND insurance question

My other thread was locked because I tried to dodge the swear filter in the title, sorry about the guys, it was the anger of the moment, i appologize. Anyway, here are some pics. I linked them because they are quite large to get all the detail:
mirror1
mirror2
paint1
paint2

for the most part the paint is ok, there is a small blemish which you can see in paint1, and there is a small ding in the door which i circled in red in paint2. I guess i'm still lucky considering everything. I don't think the ding is big enough to be worth fixing, but i know it will always bother me....


i have an insurance question also. I have a $100 deductable on my comprehensive insurance. If i were to take the car to the dealer and got a quote on getting the mirror fixed as well as the ding and the paint scratches, i'm sure it would be pretty high. Would my insurance company send me a check written out to me? And could I then get it fixed elsewhere for much cheaper? Is that how it all works?
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Last edited by CletusTheDwarf; 01-08-2006 at 11:36 AM.
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Old 01-08-2006, 11:05 AM   #2
PA-Brat
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Wow, I feel for you. I recently found nasty damage on our WRX (looked like it was rammed with a shopping cart) If the dent bothers you, you may want to check around for a good dent clinic. I'm pretty uptight when it comes the cars, but I happened to find the damage to our car when I was heading to the dealer and dealer was having a dent clinic that night. I decided to take the car back rather than having a body shop do the work. They pulled a total of 5 dents out of my car (and one was along the wheel well line) for $117. The dealer threw in some touch up paint to repair the tiny area where the paint was taken down to bare metal. You can't even tell there was ever a dent in the car - and it saved me approx. $700 over what a body shop would have charged for the repair. The paint repair isn't perfect, but at least the dents are gone.

I also once caught drunk college kids walking over cars - up the bumper, over the trunk, across the roof and down the hood - talk about dents - I looked out my window just as they were about to scale my pos '80 celica, thankfully they jumped off before they climbed up the hatch. I also called the police, but they were long gone by the time the officers arrived.

Good luck
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Old 01-08-2006, 01:05 PM   #3
munkis
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You call your insurance company, they will send out an apraiser he will do an estimate and cut you a check either on the spot or the insurance company will send it to via the mail minus your deductable.

Get the mirror yourself from subaru and put it on, have th dent wizard or dent doctor pop out the dent and see if you can have the scratches buffed out at a detail shop.

Jay
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Old 01-08-2006, 01:12 PM   #4
CletusTheDwarf
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so there is zero reasons not to claim it, correct? i don't have to worry about a claim like this affecting my insurance rates?
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Old 01-08-2006, 01:55 PM   #5
PA-Brat
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You might want to check with your agent to be sure.
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Old 01-08-2006, 01:58 PM   #6
CletusTheDwarf
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sure, but i head that even calling to ask about claiming something goes on your record in their database and might affect rates in the future.
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Old 01-08-2006, 02:13 PM   #7
chapstien
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Quote:
Originally Posted by CletusTheDwarf
And could I then get it fixed elsewhere for much cheaper? Is that how it all works?

It seems like you are saying you want to end up with cash in your pocket. That is insurance fraud. If you think you will be satisfied with the work at the less expensive place, get it repaired there and get that amount.
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Old 01-08-2006, 02:13 PM   #8
PA-Brat
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Quote:
Originally Posted by CletusTheDwarf
sure, but i head that even calling to ask about claiming something goes on your record in their database and might affect rates in the future.
I haven't had anything like that happen, and we've called on a few incidents we decided not to claim. If you're concerned, you can also say that you're inquiring on the vandalism coverage in your policy. I don't see how they could legally raise your rates if you're not filing a claim. Since certain aspects of insurance vary from state to state, I don't want to give you any bad information. Do you deal with a local agent?

Last edited by PA-Brat; 01-08-2006 at 02:27 PM.
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Old 01-08-2006, 02:23 PM   #9
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it's not insurance fraud because my car was damaged, it's not like i'm making up an incident. I'm paying the insurance company to give me the money it would take to fix the car perfectly in an event such as this. What i choose to do with that money is totally up to me.

Quote:
Originally Posted by chapstien
It seems like you are saying you want to end up with cash in your pocket. That is insurance fraud. If you think you will be satisfied with the work at the less expensive place, get it repaired there and get that amount.
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Old 01-08-2006, 06:14 PM   #10
rocketwrx
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It is not insurance fraud. You are being compensated for damage to your car. The insurance company is obligated to pay you cash to repair the car at a shop of reasonable quality. If you choose to pocket the dough and not fix the car, you are within your rights.
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Old 01-08-2006, 07:19 PM   #11
chapstien
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I was assuming that all insurance was the same as mine, but after doing research, it seems that it depends on the language in your policy. There may be language that states you must repair your car with the money, and there may not.
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Old 01-08-2006, 07:31 PM   #12
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When I had my paint redone due to some idiot rolling tires into the side of my RS a few years ago, my insurance company (USAA) gave me a list of "approved" repair shops in my area. I supose these shops have higher standards or something. The shop sent USAA a quote and they sent the check directly to them minus my deductible. I suppose it all comes down to how your insuracne company works when it comes to cutting checks and to whom.

I suppose if they send the check to you, get several different quotes, send them the highest, then take your car to the one that quoted you the least and keep the extra for your troubles.
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Old 01-08-2006, 07:35 PM   #13
CletusTheDwarf
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yeah, i figure i'm pretty safe in getting a high quote from the dealer.
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Old 01-08-2006, 07:39 PM   #14
SweetBaboo777
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hey evan,
man...who'd you piss off?
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Old 01-08-2006, 07:40 PM   #15
CletusTheDwarf
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hey man, just random as far as we could tell, i guess it was in a high flow area for drunks...
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Old 01-08-2006, 09:07 PM   #16
-Kevlar-
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Quote:
Originally Posted by CletusTheDwarf
so there is zero reasons not to claim it, correct? i don't have to worry about a claim like this affecting my insurance rates?

if this claim affects your rates you have more to worry about than a mirror....
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Old 01-08-2006, 09:35 PM   #17
lal
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The insurance company will pay an amount they determine will repair your car, where you get it fixed is up to you, if you don't get it repaired at all that is your choice, the insurance company has fulfilled their obligation. The check should come to you. Comp claims generally are not chargeable as opposed to collision. I doubt your rates would change at all.
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Old 01-09-2006, 03:03 PM   #18
badblackwrx
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Only two things will generally raise your insurance on an existing policy.
1. If you get a moving violation.
2. If you get in an accident that is found to be your fault, alone or otherwise.

So that means that parking tickets, accidents that are not your fault, theft, vandalism or broken windshields will not be the cause for a rate increase.

What usually happens is an appraiser will come out and inspect the damage, determine the value, and either cut you a check for the total minus your detuctable, or most likely give you a list of shops you can take your car to indemnify your losses.
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Old 01-16-2006, 12:13 PM   #19
CletusTheDwarf
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It's all good as new! I claimed it through insurance, and after the deductable I got $370. Thanks to NASIOC I got a new passenger mirror for $40, and installed that. That went smooth except there was one of the 4 screws I couldn't get out! So I bought PB Blaster and soaked it for 2 days. I bought a new screwdriver just so it would fit the screw perfect...and I broke the teeth on the screwdriver! I was about to just drill through the head of the screw, but I took out the other 3 screws, and wiggled around the mirror and that loosened it enough to get it out.

I had the paintless dent repair guy come and fix the dent, and yesterday I used scratchx, then a paint polish, then 2 coats of wax. Looks good as new! Here are the results: http://www-personal.umich.edu/~evanhaas/fixed.jpg

And since i fixed it myself, i had some money left over, and I got a prodrive catback!
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Old 01-16-2006, 12:16 PM   #20
DeKaP
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wow what garbage, i would rather have my car missing than to see some bastid wanna mess around and take 2 mirrors off, this woulda pissed me off a lot more at the moment but after some thinking woulda been thankful it didnt get stolen, but yea thats bull****

gladits good to go now though
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Old 01-16-2006, 12:20 PM   #21
CatfaceType-R
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that's bull ish.........
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Old 01-16-2006, 12:25 PM   #22
shuvlhed1
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Quote:
Originally Posted by badblackwrx
Only two things will generally raise your insurance on an existing policy.
1. If you get a moving violation.
2. If you get in an accident that is found to be your fault, alone or otherwise.

So that means that parking tickets, accidents that are not your fault, theft, vandalism or broken windshields will not be the cause for a rate increase.
What fantasy land are you living in? They can raise your rates at the drop of a hat. It doesn't even have to involve you at all. They can raise your rates if you live in a high claim area, if you drive a car that becomes preferred amongst car theives, if there is a disproportionat amount of claims against the type of vehicle you are driving, etc. They can, and do, raise your rates if you don't make your credit card payments on time.
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