[JJ]

Well, I parked today and didn't realize that the spot had a downward slope- so my lower front lip is all scratched up- bad. I am very careful when parking but this curb basically sucked me in since it was such a big slope.



Going to have to get it repainted I am sure. Thank god for low deductable comprehensive insurance...

 

[CloNeGTS]

Is that really worth charging insurance for? You'll end up with higher premiums from here on out because of that.....

 

[JJ]

Depends on how much the repair will be...

 

[MKIVSupra]

Is that really worth charging insurance for? You'll end up with higher premiums from here on out because of that.....

That is what I was thinking. I used to claim every little thing when I had a $0 deductable. Later on though I paid for it after a speeding ticket and small fender bender. My insurace would not renew my policy when the time came. Every time I called different places, all the little crap came up, couple tows, cracked windshield replacement, key scratch repair, etc. No one would take me. Since then, I raised my deductibles to $1k for both comp. and coll. If it is under $1k I might as well pay it out of my pocket and with the higher ded. my premiums went down.

 

[azninside]

^^ if the damage isn't noticeable an only on the bottom....then don't worry bout it. just leave it until a more damaging accident causes you to actually need to get it repaired

 

[ayS]

^^ if the damage isn't noticeable an only on the bottom....then don't worry bout it. just leave it until a more damaging accident causes you to actually need to get it repaired

that's what i was going to say. :wink:

 

[JJ]

At $125 for brand new repainted parts, I may just pick those up, and only put them on for shows. I have a bad feeling that this scraping will be a more than once occurance anyway...

JJ

 

[Yukonart]

Is that really worth charging insurance for? You'll end up with higher premiums from here on out because of that.....

That is what I was thinking. I used to claim every little thing when I had a $0 deductable. Later on though I paid for it after a speeding ticket and small fender bender. My insurace would not renew my policy when the time came. Every time I called different places, all the little **** came up, couple tows, cracked windshield replacement, key scratch repair, etc. No one would take me. Since then, I raised my deductibles to $1k for both comp. and coll. If it is under $1k I might as well pay it out of my pocket and with the higher ded. my premiums went down.

The only problem with using a $1k ded for comp is most things that could be covered under comp will fall well below that mark. Might as well not even have the coverage for the most part. Unless a tree falls on the car, that is.

I'd at least lower that to around $500. But the $1k for coll is what I have, too. It's a good, reasonable number for what should be considered my fault. Fortunately, I've never had to pay THAT deductible.

 

[NDMac]

aftermarket wheels

Ouch! I really feel bad for you JJ. I'd be pissed as hell too. yesterday my gf opened the door and hit the wall at a mall parking garage :x ! So lucky there was no obvious damage at all, but there was a small mark (dust size) at the edge. I suggest you to get it repainted since the car is still nice and new now, so why not keep it that way?! so lucky the front lip is just plastic so it won't get rusted if u wait longer. Just pay for that and don't claim insurance. btw, talking about insurance, I'm 25 and I'm only paying 360 dollars for half year full coverage.

 

[MKIVSupra]

That is what I was thinking. I used to claim every little thing when I had a $0 deductable. Later on though I paid for it after a speeding ticket and small fender bender. My insurace would not renew my policy when the time came. Every time I called different places, all the little **** came up, couple tows, cracked windshield replacement, key scratch repair, etc. No one would take me. Since then, I raised my deductibles to $1k for both comp. and coll. If it is under $1k I might as well pay it out of my pocket and with the higher ded. my premiums went down.

The only problem with using a $1k ded for comp is most things that could be covered under comp will fall well below that mark. Might as well not even have the coverage for the most part. Unless a tree falls on the car, that is.

I'd at least lower that to around $500. But the $1k for coll is what I have, too. It's a good, reasonable number for what should be considered my fault. Fortunately, I've never had to pay THAT deductible.

Whatever it is if it's under $1k you are better off just paying for it out of your pocket. I would not claim door dings or scratches so unless it is something major, over $1k, then I will just pay for it myself. It's just not worth claiming anything under $1k IMO.

 

[RDiamond]

Depends on your insurance company. My agent (State Farm) told me that claims under either $400 or $800 in a year -- I forget, it was a while ago -- aren't counted against you. I'm sure it also depends on how long you've been a customer, etc.

Considering I've paid them at least $15,000 over my lifetime with zero accidents, getting a $400 minor dent/ding/gash repaired is pretty reasonable.

 

[MKIVSupra]

Yeah right, it might not raise your premium but whenever your insurance company has to pay money it is definitely a mark on your record. It will come up if you shop around for another provider and they run your insurance record, trust me. Also down the road if you have a couple more serious claims these will make it worse. I found this all out the hard way and it was with State Farm. They told me the same thing they told you. After a couple tows, a key scratch, windshield, and then an accident, they would not renew my policy when the time came.

 

[RiX]

At $125 for brand new repainted parts, I may just pick those up, and only put them on for shows. I have a bad feeling that this scraping will be a more than once occurance anyway...

JJ

What are you actually buying for $125?

I noticed a scratch on my rear bumper today. It must have been at the parking lot where I parked during business hours. *sigh* I wonder how much it'd cost to get it repainted (probably the whole rear bumper since it is a one piece...) Two paint scraps one inch apart...

I wonder how much a rear bumper cover costs... :-?

 

[Sha_zapple]

I was washing my Outback today and I saw two little Hexagon shapes in the middle of my rear bumper. :x GEE, i wonder what those coud be from? Too bad I wasn't around so I culd leave a few imprints of my own on him :lol:

 

[RDiamond]

Yeah right, it might not raise your premium but whenever your insurance company has to pay money it is definitely a mark on your record. It will come up if you shop around for another provider and they run your insurance record, trust me.

You should stay with your insurance company for as long as possible. Having several years of accident-free driving gives you huge benefits. If I cause an accident, they won't raise my rate or drop me since I've been with them 10+ years. I just meant do one repair, not a bunch of them in a single year!