2016 sierra slt wrecked...

pm26 · January 26, 2016

I had a fairly minor rock dent/scratch in my hood. No parts, just body + paint was $1100.

A small piece of tire carcass thrown by a vehicle in front of me hit the front bumper and front edge of the hood on my '09 Impala. The was a small dent in the hood and a couple of scratches on the bumper. The estimate was $ 750 to fix the damage.

gsracer · January 26, 2016

Thanks for the comments guys, unfortunately it doesn't look like I have to much of a choice. I just have to wait until its torn apart at the shop and state farm comes back with theyre revised estimate. As for the damage , air bags did not deploy, most of the damage is underneath as the camry went under and lifted the truck up so it wasn't a direct lateral hit. I probably wont even know for two weeks, dealer told me they will not even order one part untill state farm revises all the numbers.

From what im hearing from the shop its going to be hard to total it but they will be adding in a frame replacement.

Debra in Cali · January 27, 2016

A fu&&in Camry.

God I hate toyodus

Some of the worst drivers in the U.S. Are Honda and duh drivers.

If you are talking about the little sporty models that the younger drives like to drive, then I agree with you. But if you are talking about the midsize family cars,then I think that BMW drivers are way worse. If someone in a midsize is going to be stupid, then my money is on a Beemer driver. Statistics bears this out. There was a survey asked this questions and the Beemer drivers won the prize.

1300c · January 27, 2016

I'm pretty sure if it goes through an insurance company, it will end up on CarFax.

Actually through experience with my wife's Tahoe it only ends up on Carfax if there is a police report, or if it's fixed by the dealership, and they report it.

Also to the OP since it wasn't your fault don't let the other driver's insurance try to bully you into using used parts, or one of "their" preferred bodyshops. I went through this as well when an Indycar vehicle hit out Tahoe in the motorcoach lot, and thankfully a good friend of mine is a highly reputable bodyshop owner who fault for us, and got it fixed right.

jamin87ss · January 27, 2016

Ya, absolutely 100% genuine parts on this vehicle

bass mechanic · January 27, 2016

Because insurance is unregulated, they make up there own rules, health, auto, all of them, I love it, "youyr rates went up because you were do for a claim" BS!!!! but guess what, because they can, Insurance is the worst, its the one thing that you pay for, often required (auto) and then you have to fight for the service your already paying for, every year my rates go up, until Ive had enough shop it, drop my premiums, wait two/3 years, call back the company I left and rates are even cheaper then when I was there before, go figure

As an insurance professional of almost 13 years let me comment on this..

First of all, you have no idea what your talking about. Insurance is a heavily regulated industry! Just go to the web and type in your state followed by "department of insurance" and you'll find every state has a department of insurance and regulatory services.

Second your rates go up over 3 years because EVERY company offers introductory rates. The industry is very competitive and the discounts are usually around 15% on average. So if your the company who doesn't offer the discounts, how many policies do you think you'll be writing when your rates are 15% higher than everyone else when people shop?

You sound exactly like the kind of person that I meet every day who Carries the absolute state minimum coverage each time you shop. In colorado that is 25k per person 50k per accident and every time you end up in an accident with someone you always complain that the insurance didn't pay! They didn't pay because YOU didn't buy any coverage!!

Sorry no sympathy for you! The policy is only as good as the person who wrote it, and if that person was you and your not a licensed agent, well you got exactly what you paid for!

Sounds like a like your frustration should be directed towards your self and being a cheap ass rather than just paying your premiums and not complaining.

I'm in the business and wrote my own policy and I couldn't even tell you how much I pay because frankly I don't care what the cost is!

My company refunds 25% of my premiums each year I stay claim free and every year I get about 1200-1300 back which nearly pays the cost of my home insurance.

So my clients rather than bounce all over the place looking for the best deal already know they are getting the best deal because nobody else gives refunds except us! And we don't charge you anything extra for it!

Think about this.. Say you only get 500 per year in refunds and you've been with any company(s) for the past 20 years with no claims. You now have missed out on 10,000 worth of refunds because you weren't insured with us! I don't know about you but if you ask me that's a pretty hard fact to argue with!

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bass mechanic · January 27, 2016

Stay far away from dealership repair, and use an independant. That way, your carfax remains clean.

NOT TRUE! car fax will get the report if it gets repaired by any insurance company. only walk in cash repairs stand any chance of not being reported.

but to the OP

if you do end up getting it fixed ask the insurance company for diminished value. they will probably try to fight you for it. but i had a Z06 corvette that was backed into by a truck in a parking lot. it caused 10,000 in damage and i got an additional 4,500 in diminished value. this prooved to be very helpful when the next buyer saw " front end damage" on the carfax

but also depending on your policy you may have something you pay extra for like we have that says if the vehicle is damaged more then 10% of it's purchase price you get a brand new vehicle without any depreciation.

on the other hand if you did not buy that additional coverage, the repair has to be within 75% of the value of the vehicle to be considered a total loss. otherwise they will fix it.

Dunc · January 27, 2016

The industry is very competitive and the discounts are usually around 15% on average. So if your the company who doesn't offer the discounts, how many policies do you think you'll be writing when your rates are 15% higher than everyone else when people shop?

I feel that there wouldn't be as much competition and customers leaving every couple of years if the rates offered didn't always go up so much. It has always boggled my mind how the longer you are a customer the more you pay. Just seems completely backward to me.

bass mechanic · January 27, 2016

I feel that there wouldn't be as much competition and customers leaving every couple of years if the rates offered didn't always go up so much. It has always boggled my mind how the longer you are a customer the more you pay. Just seems completely backward to me.

if your rates go up every year it may be wise to look for another insurance company but to do it every 3 years is just plain stupid!

the fact is everything goes up in life, a gallon of milk, gas, postage its called inflation!

not only does it cost more to do a repair on a car because the cost of labor and materials goes up but since the value of the dollar erode more every minute you can expect that the cost of everything will increase.

and you can expect it to erode faster than the value of your car. we are 19 trillion in debt and the rest of the world knows the value of the daller is meaningless.

so rather than blame your insurance company, blame obama! he is responsible for half or about 8 trillion since he took office..

the bottom line is there is very little profit in insurance these days. if you could only see how much just my agnecy paid in claims last year verses premiums collected you might have a grip on the reality that is insurance...

YOU might not be filing claims but other people are and if it was YOUR business you wouldn't be interested in operating it at a loss anymore than the insurance companies are..

Aubie_01 · January 27, 2016

YOU might not be filing claims but other people are and if it was YOUR business you wouldn't be interested in operating it at a loss anymore than the insurance companies are..

So why not just charge even more to the people who are filing claims instead of the customers who are paying in money year after year and not taking anything back out?

bass mechanic · January 27, 2016

So why not just charge even more to the people who are filing claims instead of the customers who are paying in money year after year and not taking anything back out?

They absolutely already do that including people who have tickets etc. and they're rate increases are a lot more than yours are

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ricker6869 · January 27, 2016

As an insurance professional of almost 13 years let me comment on this..

First of all, you have no idea what your talking about. Insurance is a heavily regulated industry! Just go to the web and type in your state followed by "department of insurance" and you'll find every state has a department of insurance and regulatory services.

Second your rates go up over 3 years because EVERY company offers introductory rates. The industry is very competitive and the discounts are usually around 15% on average. So if your the company who doesn't offer the discounts, how many policies do you think you'll be writing when your rates are 15% higher than everyone else when people shop?

You sound exactly like the kind of person that I meet every day who Carries the absolute state minimum coverage each time you shop. In colorado that is 25k per person 50k per accident and every time you end up in an accident with someone you always complain that the insurance didn't pay! They didn't pay because YOU didn't buy any coverage!!

Sorry no sympathy for you! The policy is only as good as the person who wrote it, and if that person was you and your not a licensed agent, well you got exactly what you paid for!

Sounds like a like your frustration should be directed towards your self and being a cheap ass rather than just paying your premiums and not complaining.

I'm in the business and wrote my own policy and I couldn't even tell you how much I pay because frankly I don't care what the cost is!

My company refunds 25% of my premiums each year I stay claim free and every year I get about 1200-1300 back which nearly pays the cost of my home insurance.

So my clients rather than bounce all over the place looking for the best deal already know they are getting the best deal because nobody else gives refunds except us! And we don't charge you anything extra for it!

Think about this.. Say you only get 500 per year in refunds and you've been with any company(s) for the past 20 years with no claims. You now have missed out on 10,000 worth of refunds because you weren't insured with us! I don't know about you but if you ask me that's a pretty hard fact to argue with!

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What insurance company? I want nice refunds...

LMK,

jamin87ss · January 27, 2016

As an insurance professional of almost 13 years let me comment on this..

First of all, you have no idea what your talking about. Insurance is a heavily regulated industry! Just go to the web and type in your state followed by "department of insurance" and you'll find every state has a department of insurance and regulatory services.

Second your rates go up over 3 years because EVERY company offers introductory rates. The industry is very competitive and the discounts are usually around 15% on average. So if your the company who doesn't offer the discounts, how many policies do you think you'll be writing when your rates are 15% higher than everyone else when people shop?

You sound exactly like the kind of person that I meet every day who Carries the absolute state minimum coverage each time you shop. In colorado that is 25k per person 50k per accident and every time you end up in an accident with someone you always complain that the insurance didn't pay! They didn't pay because YOU didn't buy any coverage!!

Sorry no sympathy for you! The policy is only as good as the person who wrote it, and if that person was you and your not a licensed agent, well you got exactly what you paid for!

Sounds like a like your frustration should be directed towards your self and being a cheap ass rather than just paying your premiums and not complaining.

I'm in the business and wrote my own policy and I couldn't even tell you how much I pay because frankly I don't care what the cost is!

My company refunds 25% of my premiums each year I stay claim free and every year I get about 1200-1300 back which nearly pays the cost of my home insurance.

So my clients rather than bounce all over the place looking for the best deal already know they are getting the best deal because nobody else gives refunds except us! And we don't charge you anything extra for it!

Think about this.. Say you only get 500 per year in refunds and you've been with any company(s) for the past 20 years with no claims. You now have missed out on 10,000 worth of refunds because you weren't insured with us! I don't know about you but if you ask me that's a pretty hard fact to argue with!

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Refunds huh, sign me up, i guess ur not that good at judging things, in fact 500/500 for coverage, on everything to, boat, snowmobile, jetski, I'm sorry but when I'm told my premium went up because "I'm do" for a claim that's total BS, and fighting for a service I paid for is even more BS, anyways I like the feedback from you, even if I disagree on parts,

Aubie_01 · January 27, 2016

They absolutely already do that including people who have tickets etc. and they're rate increases are a lot more than yours are

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As a safe driver would any of my rate increases go to help cover the costs to the insurance companies for other customers with bad driving records?