Car damaged a few days after I lowered deductible...problems?

[BoomerD]

Wat

Who are you taking your car to? And is your car painted with gold?

Body shops know how the insurance game is played...and shop labor rates are gonna be close to $100/hr...so with just a couple of parts, you eat up that $500 pretty fast.

 

[Krazy4Real]

You should have gotten a police report. You wouldn't have any problems then.

If the body shop repairs are under $1k just pay cash for the repair and don't notify your insurance company.

 

[sunzt]

Body shops know how the insurance game is played...and shop labor rates are gonna be close to $100/hr...so with just a couple of parts, you eat up that $500 pretty fast.

Spray paint from autozone. Will be under $20.

Just match the color from the info on the door.

http://www.autozone.com/autozone/parts/Paint-8-Ounce-Spray/_/N-9tpjs

 

[HardcoreRobot]

this thread could be epic

 

[eldorado99]

How much damage is there? I find it hard to believe there would be more than $500 damage if your car was in a parking space and someone clipped your fender. Were you backed into the spot or pulled in?

Someone hit and runned my car 2 years ago. Clipped my fender in a parking lot. The insurance company's estimate was 1800. Just an old Pontiac too.

PS: Yes you need a police report in situations like these or the insurance company isn't going to do a damn thing for you.

 

[FearoftheNight]

Gah this is bad. Let's see how it turn off. Thanks for the input.

 

[Dari]

When someone took out my car car mirror overnight and I saw it the following morning I did not file a police report. But I did call Geico right away and they told me what to do. I ended up eating the entire cost of the repair (someone completely took out the side mirror on the passenger AWAY from the street) because the cost was less than the deductible. But this was on my first car. It was brand new and the incident happened one year after I got the car (2006). So, I guess there was no reason for them to be suspicious and my rate did not go up.

 

[Red Squirrel]

For damage under 5k it's less hassle to just swallow it and pay. If setting your deductible higher can decrease the monthly payment, then the deductible pays for itself sooner or later so best to leave it as high as it can go.

Remember, when you make an insurance claim, often your premium will go up.