Hail damage (car)

isucyfan

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Apr 21, 2006
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Saint Paul, MN
Our car got quite a bit of hail damage a few weeks ago. It's an oldish car (2015) with just over 100,000 miles on it. At the time, I didn't think it was worth the deductible to get it fixed, but I'm having second thoughts. Anyone else dealt with this and have pros/cons?
 
Our car got quite a bit of hail damage a few weeks ago. It's an oldish car (2015) with just over 100,000 miles on it. At the time, I didn't think it was worth the deductible to get it fixed, but I'm having second thoughts. Anyone else dealt with this and have pros/cons?
Get it adjusted and then Park it outside and sit it directly in the sun on the hottest days. Several of those will pop out. We did that at the dealership.
 
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Reactions: Acylum
Our car got quite a bit of hail damage a few weeks ago. It's an oldish car (2015) with just over 100,000 miles on it. At the time, I didn't think it was worth the deductible to get it fixed, but I'm having second thoughts. Anyone else dealt with this and have pros/cons?
My guess is that the vehicle will be classified as “totaled” and you will receive a check for the actual cash value (ACV) of your car. This will also mean that your insurance company will no longer allow comprehensive coverage.

Less likely, but possible, is that the cost of repair is less than the ACV and your insurance company will pay for repairs (less your deductible).

Maybe talk to your agent before you file a claim?
 
Call your insurance company and have an adjuster come look at it. Might as well use them for something, you pay them a lot of money.
 
Not the answer you’re looking for but those guys that roll out with their tools in a golf bag are pretty talented.
 
We're already getting a new roof on the house as a result, so I guess I'll at least have a chat with my insurance agent. I also just realized that my deductible on the car isn't as much as I thought, too.
 
One of the techs at the place I used to work had a daughter who was driving a Suburban or similar vehicle in Kansas. It went through a heck of a hailstorm - thing had more dents and dimples than a golf ball. It looked like eight guys whaled on it with baseball bats.

No repairs for him - he just used it as his work truck.
 
Need some specifics to weigh in. Definitely worth talking to your agent, but if you take the money (minus deductible), get ready for your premium to go up.

The roof is a little different animal but your rates will go up here as well.

Bottom line, if you take the money, I would start to look for a new agent (assuming they would insure you). State Farm told me they wouldn’t even quote me for 18 months after a roof claim with FB.
 
Need some specifics to weigh in. Definitely worth talking to your agent, but if you take the money (minus deductible), get ready for your premium to go up.

The roof is a little different animal but your rates will go up here as well.

Bottom line, if you take the money, I would start to look for a new agent (assuming they would insure you). State Farm told me they wouldn’t even quote me for 18 months after a roof claim with FB.
Companies Home Insurance Underwriting has really tightened in the last year. The Derecho and other hail, wind and rain events have caused some companies to drop homes with claims and others not to accept new clients with claims in the last three years. Rates have also gone up with almost any company. Make a claim your rates will go up, don't make a claim right now and rates will still go up. Also, with the used car market your 2015 with 100k miles is worth quite a bit in today's market. Might be suprised at the cost to fix, value probably higher now meaning they may not total it out.

Call your agent, I would want my clients to call me before they file, go over the pros and cons.
 

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