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Hail Damage - My Turn

pgamboa

By pgamboa
in Troubleshooting & Recalls

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cbrsilv15 Senior Enthusiast

cbrsilv15

Posted
Posted

$9k in hail damage sounds pretty crazy to me. My old S10 got hit really bad. Hood, fenders, roof, tailgate, mirrors. Insurance came to less than $3k in damages. That's with replacement panels paint and body work, no PDR which is a lot cheaper.

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pgamboa Senior Enthusiast

pgamboa

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I dropped my truck off at the shop and they found additional damage making the the total closer to 9k.

 

 

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You have photos of your damage? Curious on what $9K looks like.

 

 

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Kickapoo Enthusiast

Kickapoo

Posted
Posted

Replace the hood, roof, sunroof, windshield, left and right front fenders, a-pillars, chrome trim around windows, grill, pdr for doors, bed, tailgate, and paint

 

 

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pgamboa Senior Enthusiast

pgamboa

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Wow!!

 

 

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15_silverado Enthusiast

15_silverado

Posted
Posted

Adjuster should be contacting me tomorrow. Will see how this goes.

 

 

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Don't forget to tell your insurance that you want to be reimbursed for diminished value. Seriously, it's important, and most insurance companies are well aware of this, they just wait to see if you mention anything about it. But a new vehicle like yours should qualify, unless written out in your contract, voiding that. Press the issue if they give you a hard time. Google diminished value.

15_silverado Enthusiast

15_silverado

Posted
Posted

That looks like more than $2500 damage to me. But either way, there should be another $1-2k in your pocket for diminished value.

 

Edit... ALL insurance companies know about diminished value, some just play games.

pgamboa Senior Enthusiast

pgamboa

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Will look into that. They've already cut checks but will look into it. Thanks!

 

 

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pgamboa Senior Enthusiast

pgamboa

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Anyone in Texas successfully get Diminished Value? - Farmers Ins.

 

 

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15_silverado Enthusiast

15_silverado

Posted
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Will look into that. They've already cut checks but will look into it. Thanks!

 

 

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It shouldn't be too late. Even if they already cut the checks. And I thought I read 2 vehicles were involved, so make sure you get that separated; Know what your getting for each vehicle.

 

Just tell them you or a family member has been through this before, and you/they lost money on a vehicle when trading it in, once the dealer pulled the Carfax, stating it had collision repair.

pgamboa Senior Enthusiast

pgamboa

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It shouldn't be too late. Even if they already cut the checks. And I thought I read 2 vehicles were involved, so make sure you get that separated; Know what your getting for each vehicle.

 

Just tell them you or a family member has been through this before, and you/they lost money on a vehicle when trading it in, once the dealer pulled the Carfax, stating it had collision repair.

Even though this was hail damage? I have two separate checks and sure there will be supplemental damage assessed tomorrow by the PDR company.

 

 

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15_silverado Enthusiast

15_silverado

Posted
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Doesn't matter what kind of damage was caused. If it needs body shop/paint repairs; that diminishes the value.

 

Think about it, and tell the insurance company this, when this paint repairs are completed it will be recorded as having paint/bodyshop repairs, and no longer be factory paint or maybe even factory body panels. When you sell or trade it in, if/when someone pulls the Carfax or other record they will most likely use that in their favor to negotiate a lower price. They will say, and may be correct, that some buyers will not want that vehicle or use the same records to lower their price.

 

Now if it can all be fixed by paintless dent repair, PDR, that may be a different story, but I would still ask for it, and be a little stern about it; while being polite. But from the pictures, I was assuming you needed actual body skins, filler, paint repairs... Correct???

pgamboa Senior Enthusiast

pgamboa

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Not sure yet. Dropping vehicles off tomorrow for evaluation and further assessment. Thanks for the advice. I've been looking into it.

 

 

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