What would you do car swiped!
Mar 25th 2011, 5:02 pm
#1
Thread Starter
Joined: Oct 2006
Location: Reno Nevada
Posts: 15,917
What would you do car swiped!
So I go out to get in my car this morning and some A.hole has side swiped my left fender in the night and taken out the left side light, bulb intact....Paint work taken out!!
Is it worth calling insurance or would you just get it fixed!
$500 deductable.
Is it worth calling insurance or would you just get it fixed!
$500 deductable.
Last edited by Poppy girl; Mar 25th 2011 at 5:07 pm.
Mar 25th 2011, 5:08 pm
#2
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Re: What would you do car swiped!
Like the file name. It's a Merc, right?
Mar 25th 2011, 5:19 pm
#4
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Re: What would you do car swiped!
So, I'd imagine a genuine replacement side light will set you back say $100 and these are straightforward to install. If the damage to the paintwork is fairly localised and not too deep they might be able to use a polymer resin to fill any gouges and scrapes then repaint. In a Merc workshop this could cost $300 - $500 ish??? possibly less in a non-Merc.
Not sure about your insurance policy but you'll also need to factor the increased premium of any claim plus the deductible.
Take it down the bodyshop for an estimate.
Not sure about your insurance policy but you'll also need to factor the increased premium of any claim plus the deductible.
Take it down the bodyshop for an estimate.
Mar 25th 2011, 5:21 pm
#5
Thread Starter
Joined: Oct 2006
Location: Reno Nevada
Posts: 15,917
Re: What would you do car swiped!
So, I'd imagine a genuine replacement side light will set you back say $100 and these are straightforward to install. If the damage to the paintwork is fairly localised and not too deep they might be able to use a polymer resin to fill any gouges and scrapes then repaint. In a Merc workshop this could cost $300 - $500 ish??? possibly less in a non-Merc.
Not sure about your insurance policy but you'll also need to factor the increased premium of any claim plus the deductible.
Take it down the bodyshop for an estimate.
Not sure about your insurance policy but you'll also need to factor the increased premium of any claim plus the deductible.
Take it down the bodyshop for an estimate.
As for the claim thats why I think it might not be worth it!
Mar 25th 2011, 5:24 pm
#6
Ginger Monkey
Joined: Jun 2007
Location: Cheeseland, WI
Posts: 2,772
Re: What would you do car swiped!
Looks like it's a yellow car, judging from the paint chips they left.
Take a scraping and send it in to the Bones crew. They always find the bastards.
Take a scraping and send it in to the Bones crew. They always find the bastards.
Mar 25th 2011, 5:32 pm
#8
Lost in BE Cyberspace
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Location: San Francisco Bay Area
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Re: What would you do car swiped!
Yes I will do that and also have a friend thats got a mobile auto repair shop that specializes in this kinda work coming to look will be interesting to see what the difference in quotes is!!......I bet it was a neighbor
As for the claim thats why I think it might not be worth it!
As for the claim thats why I think it might not be worth it!
Mar 25th 2011, 5:37 pm
#9
Chocoholic !
Joined: Jun 2007
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Re: What would you do car swiped!
I bet there will be some seeds from a mysterious grass or droppings from a mysterious bug in the paint chipping that only grows or lives within a 1 mile radius of where the culprit works - Hodgins King of The Lab 
Sorry about your car Poppy
Mar 25th 2011, 5:59 pm
#10
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Re: What would you do car swiped!
I'd get a quote first. If the bumper needs replacing it will cost well into 4 figures. Then I would look into seeing how much I will be out of pocket with the insurance company. It's not just your no claims bonus but the premium may be increased.
Mar 25th 2011, 6:35 pm
#11
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Re: What would you do car swiped!
True. A friend of mine ran into the back end of a truck when returned from the airport after dropping his wife off. There was no damage to the truck but the front end of his car was damaged. He was going to file a claim with his insurance company for $1,500 ($1,000 after the deductable) but I asked him to call his insurance agent first to make sure it would be worth it. The insurance agent stated that his insurance premium would increase by $600 per year (2 car family) for 3 years so he decided not to make a claim.
Mar 25th 2011, 6:38 pm
#12
Concierge
Joined: Apr 2001
Posts: 46,392
Re: What would you do car swiped!
Yes I will do that and also have a friend thats got a mobile auto repair shop that specializes in this kinda work coming to look will be interesting to see what the difference in quotes is!!......I bet it was a neighbor
As for the claim thats why I think it might not be worth it!
As for the claim thats why I think it might not be worth it!
I'd do it out of own pocket.
FTR, GEICO (at least here in NY) never charged me increased rates if I filed a claim under comprehensive. I've had them since 1972 and had enough claims to know of what I speak.
Comprehensive claims are not driver related and will not effect your driver's record.
Mar 25th 2011, 6:47 pm
#13
Thread Starter
Joined: Oct 2006
Location: Reno Nevada
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Re: What would you do car swiped!
Well the light is only $27.50 but had to call another dealership because Mercedes in Modesto the damn phone lines are wacked they connect then drop the calls so am trying to get through to them to pick the part up..as for the damage thats pending a cost.....but I did note that my Comp less deductable is $250 not $500 which I originally thought.
What a to do!!.....I am going to tell the old gossip opposite that I know will inform the whole Cul-de-sac that I know who it is and if they don't fess up then I am going to take legal action because I have a witness and camera on the house.....I don't have a witness but we do have a camera just was not switched on
they have 24hrs to come clean!!
so am trying to get through to them to pick the part up..as for the damage thats pending a cost.....but I did note that my Comp less deductable is $250 not $500 which I originally thought.What a to do!!.....I am going to tell the old gossip opposite that I know will inform the whole Cul-de-sac that I know who it is and if they don't fess up then I am going to take legal action because I have a witness and camera on the house.....I don't have a witness but we do have a camera just was not switched on
they have 24hrs to come clean!!
Mar 25th 2011, 6:48 pm
#14
Thread Starter
Joined: Oct 2006
Location: Reno Nevada
Posts: 15,917
Re: What would you do car swiped!
The bumper is OK its the paint work thats wacked.
Mar 25th 2011, 6:55 pm
#15
Joined: Aug 2004
Location: Eugene, OR
Posts: 1,352
Re: What would you do car swiped!
I've got a scrape on the back of my car; someone got too close when getting out of a parking spot we think. I just left it - would rather spend my money on other things!
That one's yellow paint too - wonder if there's a link between yellow cars and poor drivers.
That one's yellow paint too - wonder if there's a link between yellow cars and poor drivers.