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Hood flew open while driving, insurance claim?

Lsxtrucker
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Lsxtrucker Enthusiast

Lsxtrucker

Posted
Posted (edited)

So I'm driving down the highway and the hood literally flies open and slams back bending the hinges and denting the hood causing it to not close without me removing the hinges and still it now closed crooked as hell. Truck looks bad because of it. 

 

I do have full coverage comp and collision but I'm not sure what to do in this situation being that I heard it will raise my rates quite a bit of I make a claim. 

 

What would you do in this situation? I was thinking I could just replace the hinges and I'd love with the dented hood but the flat part (that is part of the quarter panel is bent back causing it to be all out of whack. 

 

Please help any advice is desperately appreciated.

 

Thanks

Edited by Lsxtrucker
greatmizzou Enthusiast

greatmizzou

Posted
Posted

Call your agent before filing the claim with corporate.  They can...and should because you pay them...answer those questions.  Nobody here can.

 

I will say that you will balance claims vs deductible vs possibility you have more claims and insurance drops you from coverage.   The concept filing a claim auto raises rates is a fallacy.  Its possible, but more likely to impact your claim free deduction if you have one.
 

 

  • Thanks 1
BlackBearPerf Enthusiast

BlackBearPerf

Posted
Posted
1 hour ago, Lsxtrucker said:

So I'm driving down the highway and the hood literally flies open and slams back bending the hinges and denting the hood causing it to not close without me removing the hinges and still it now closed crooked as hell. Truck looks bad because of it. 

 

I do have full coverage comp and collision but I'm not sure what to do in this situation being that I heard it will raise my rates quite a bit of I make a claim. 

 

What would you do in this situation? I was thinking I could just replace the hinges and I'd love with the dented hood but the flat part (that is part of the quarter panel is bent back causing it to be all out of whack. 

 

Please help any advice is desperately appreciated.

 

Thanks

It should be a comp claim, comp is anything other than a collison, they would cover your damage , minus your comp deductible. It could raise your premium. I would get quotes on how much it would cost to repair it yourself, before calling the insurance. 

  • Thanks 1
Lsxtrucker Enthusiast

Lsxtrucker

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  • Author
Posted

 I went off the road safely but ended up in the grass and my front valance got pulled backward when I backed her out. What a mess. My ded is 500 the hood springs aren't much $ and I figured I better replace the actual hood hinges that attach on the top of hood too while I'm under there, so she closes as straight as possible and not worry about making any claim. It's about $88 using real Delco replacement parts for everything

Lsxtrucker Enthusiast

Lsxtrucker

Posted
  • Author
Posted

Without replacing the valance of course it's 22 per side for the spring hinges and about the same for the topside hinges each side that's not bad at all under $100

Lsxtrucker Enthusiast

Lsxtrucker

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2 hours ago, davester said:

Most likely, the second latch didn't get set, so only the first latch was holding it, and vibration from driving released it.

Yep. Anyways I bought the RH spring hinge, LH spring hinge, and the right and left hood hinge supports that mount to the hood. I just clicked on purchase and it totalled $84 not too bad! Now the fun part will be installing these parts without a helper. I'm guessing the easiest way to do this is going to be to remove the entire hood instead of trying to do rebalancing act doing one support at a time. 

 

Not sure though. How would you go about this? Just to clarify I'm not really concerned with installing the hood spring hinges, more so the plate that they mount to via 3 boots each on the topside of the hood. 

 

 

Any tips/pointers are always appreciated

Lsxtrucker Enthusiast

Lsxtrucker

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  • Author
Posted (edited)
3 hours ago, It's Tim said:

How?

There are 2 latches.

I was just working on her and jumped in to take her for a test run after. Anyways I admit I probably didn't close the hood fully.  Never did that before, stupid I know. That's why I need to slow down and not rush things. I take my time wrenching, and pay extreme attention to detail on my work only to jump in excitedly anticipating it being fixed. Believe me I don't need to be flamed for it. Being stuck in the side of the road without tools and with the hood literally stuck open is enough of an embarrassment for a lifetime. Must've been a funny sight (aside from the danger I caused myself and other drivers). Surely wasn't funny to me. I'm assuming more damage occurred from me trying to close the hood than the actual incident. I just figured the parts to bring the hood back to (nearly) what it belongs would cost a lot more than it did. And as much as I pay for insurance (insert no wonder) it would be a comprehensive claim. But that was right after it happened and I was still very shook up and it looked really bad...Luckily no one was hurt and the windshield didn't bust in. The springs are what saved me from that. Well it's over now and a hard lesson is learned. I'm not going to beat myself up about it anymore I'm just going to fix her and move on. 

Screenshot_20200219-180814.png

Edited by Lsxtrucker
davester Senior Enthusiast

davester

Posted
Posted (edited)

If you are by yourself, I would suggest leaving one side bolted up, prop up the front and the other side with pieces of wood and some rags along the bottom edge so it doesn't scratch anything (any more than things already are), replace the parts on one side, leaving the bolts slightly loose, then repeat on the other side, then once both sides are replaced, start tightening things down and checking that the hood is aligned with the side panels and the latch up front.  You may want to remove the grille as well, just in case there's an alignment problem, and it jams in the latch, so you have a chance to get at it to work it free (I can't say for sure if you will be able to, but with the grille in place you won't).

Edited by davester
It's Tim Senior Enthusiast

It's Tim

Posted
Posted
14 hours ago, Lsxtrucker said:

Believe me I don't need to be flamed for it. 

 

I'm not flaming you for it just wondering if the latch is functioning?

  • 2 years later...
dsr611 Senior Enthusiast

dsr611

Posted
Posted
13 hours ago, SturgisOttis said:

I recommend that you contact your insurance company or file a claim to get your hood repaired.

Over 2 years have passed since this occurred.  I'm betting if he hasn't repaired it yet, he ain't worried too much about it

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