Hail Damage - My Turn

cbrsilv15 · April 8, 2017

$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.

pgamboa · April 8, 2017

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 · April 8, 2017

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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Kickapoo · April 8, 2017

Only needed $20k more for it to be totaled

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pgamboa · April 8, 2017

Wow!!

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15_silverado · April 9, 2017

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 · April 9, 2017

http://www.iii.org/article/will-my-insurance-pay-loss-my-cars-value-if-it-damaged-collision

Diminished value

15_silverado · April 9, 2017

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 · April 9, 2017

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

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Kickapoo · April 9, 2017

Geico gave me a long spill about how they don't cover diminished value.

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pgamboa · April 9, 2017

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

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15_silverado · April 9, 2017

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 · April 9, 2017

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 · April 10, 2017

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???