Storm Damage ???
Thread Starter
Racer
Joined: Jul 2011
Posts: 339
Likes: 6
From: Lompoc California
Storm Damage ???
Last week we had a bad storm go thru and ripped asphalt shingles off my roof and landed on my car. It left deep scratches on the rear window and pass.side of hatch, about a 6 inch area.
Took it to the body shop the other day and it will cost me $1400 to do the paint work. They asked if I was going thru insurance. I told them no at the time.
My adjuster came to look at the house yesterday and also asked if I was going to take the car to insurance.
Question: Should I go ahead and use the insurance for $1400 or just pay out of pocket? And if I pay will it still be reported to carfax?
Took it to the body shop the other day and it will cost me $1400 to do the paint work. They asked if I was going thru insurance. I told them no at the time.
My adjuster came to look at the house yesterday and also asked if I was going to take the car to insurance.
Question: Should I go ahead and use the insurance for $1400 or just pay out of pocket? And if I pay will it still be reported to carfax?
Le Mans Master
Joined: Jan 2008
Posts: 6,457
Likes: 297
From: corpus christi Texas
Last week we had a bad storm go thru and ripped asphalt shingles off my roof and landed on my car. It left deep scratches on the rear window and pass.side of hatch, about a 6 inch area.
Took it to the body shop the other day and it will cost me $1400 to do the paint work. They asked if I was going thru insurance. I told them no at the time.
My adjuster came to look at the house yesterday and also asked if I was going to take the car to insurance.
Question: Should I go ahead and use the insurance for $1400 or just pay out of pocket? And if I pay will it still be reported to carfax?
Took it to the body shop the other day and it will cost me $1400 to do the paint work. They asked if I was going thru insurance. I told them no at the time.
My adjuster came to look at the house yesterday and also asked if I was going to take the car to insurance.
Question: Should I go ahead and use the insurance for $1400 or just pay out of pocket? And if I pay will it still be reported to carfax?
Team Owner
Joined: Dec 2003
Posts: 57,408
Likes: 164
From: queensbury ny
That's what insurance is for.If you're not going to use it for what it's for,you're wasting your money paying for it! If you don't report it,and the body shop doesn't the insurance company might.Take pictures of the damage with your cell phone to have as a record for future use.
Advanced
Joined: Sep 2011
Posts: 89
Likes: 1
From: Hesston KS
Last week we had a bad storm go thru and ripped asphalt shingles off my roof and landed on my car. It left deep scratches on the rear window and pass.side of hatch, about a 6 inch area.
Took it to the body shop the other day and it will cost me $1400 to do the paint work. They asked if I was going thru insurance. I told them no at the time.
My adjuster came to look at the house yesterday and also asked if I was going to take the car to insurance.
Question: Should I go ahead and use the insurance for $1400 or just pay out of pocket? And if I pay will it still be reported to carfax?
Took it to the body shop the other day and it will cost me $1400 to do the paint work. They asked if I was going thru insurance. I told them no at the time.
My adjuster came to look at the house yesterday and also asked if I was going to take the car to insurance.
Question: Should I go ahead and use the insurance for $1400 or just pay out of pocket? And if I pay will it still be reported to carfax?
It is also a no-fault claim so shouldn't affect your rates.
I'd make the claim.
Team Owner
Joined: Apr 2013
Posts: 26,227
Likes: 4,354
From: Chirper Island
Having an insurance claim on the vehicle will report it to Carfax no mater what shop you choose. But I can almost guarantee you that having this small claim (<$2500) will not affect the resell value as much as the $ insurance pays you...
It is also a no-fault claim so shouldn't affect your rates.
I'd make the claim.
It is also a no-fault claim so shouldn't affect your rates.
I'd make the claim.
I agree with 2/3 of this post, and I have way more experience than I like in this area in regards to Vettes and body work, insurance, and Carfax.
It is a myth that just because you work through your insurance, it is automatically reported to Carfax. Not all body shops, even those who are affiliated with dealers report to Carfax (which is not the all-knowing wizard behind the curtain that most think it is--it's just one tool when checking the status of a used car).
Advanced
Joined: Sep 2011
Posts: 89
Likes: 1
From: Hesston KS
I agree with 2/3 of this post, and I have way more experience than I like in this area in regards to Vettes and body work, insurance, and Carfax.
It is a myth that just because you work through your insurance, it is automatically reported to Carfax. Not all body shops, even those who are affiliated with dealers report to Carfax (which is not the all-knowing wizard behind the curtain that most think it is--it's just one tool when checking the status of a used car).
It is a myth that just because you work through your insurance, it is automatically reported to Carfax. Not all body shops, even those who are affiliated with dealers report to Carfax (which is not the all-knowing wizard behind the curtain that most think it is--it's just one tool when checking the status of a used car).
The vehicle history reports I dealt with listed every claim ever filed on a vehicle through an insurance company (repaired or not). I assumed Carfax pulled this data, but there is a very good chance I am mistaken.
I'll say this, if you file a claim on the vehicle, the information that there was a claim will be out there, and can be found by a potential buyer.
But again OP, the diminished value from having the claim will not exceed what you are paid to get the repairs made.
Race Director
Joined: Dec 2002
Posts: 10,461
Likes: 1,149
From: Wayne Township WI
To me it'd depend on the deductible, if >$500 I'd eat it rather than risk a higher rate due to a claim. YMMV.
BTW ask any shop you're considering what their policy is regarding CF et al before work's begun, then at least you can make a choice.
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Advanced
Joined: Sep 2011
Posts: 89
Likes: 1
From: Hesston KS
Even if it was a friends vehicle parked there it is unlikely the homeowner's insurance would pay for the damage. There would have to be negligence on the homeowner for the shingle blowing off the roof.
Advanced
Joined: Jul 2014
Posts: 70
Likes: 1
From: Houston Texas
Should not have an increase in rates if was an "act of god".
Racer
Joined: Jan 2007
Posts: 462
Likes: 3
From: Plainview New York
True, during hurricane Sandy a tree fell on two of my cars. At least the Z was in the garage. The claim had no effect on my rates at all. Additionally, since it was a single event I had only one deductible for the repairs to both autos.
Race Director
Joined: Dec 2002
Posts: 10,461
Likes: 1,149
From: Wayne Township WI
Good to know, obviously I'm no insurance expert.
I based my opin on an experience where I made a $1,500 claim w/ a $250 deduct. Resulted in my rate increasing. Claim wasn't an 'AOG' though, was an Act Of Idiot.
I based my opin on an experience where I made a $1,500 claim w/ a $250 deduct. Resulted in my rate increasing. Claim wasn't an 'AOG' though, was an Act Of Idiot.
Le Mans Master
Joined: Dec 2012
Posts: 7,750
Likes: 172
2015 C6 of the Year Finalist
You are doing what so many folks do.
You ask people on the forum for insurance information, and advice.
You'll receive nothing but guesses, and opinions that are often totally incorrect.
Your insurance carrier will have accurate information, that is specific to YOUR policy. No guesswork, just facts.
Contact your auto insurance carrier, and ask about their underwriting practices.
Your loss is a Comprehensive loss, not collision.
Some carriers do not consider Comprehensive losses as chargeable, so you'll have no premium surcharge, and should use your Comp. coverage.
You may even have a small deductible, or no deductible at all on Comp., and have most, or all of your loss paid for by your carrier.
If your carrier does consider this Comp. loss as chargeable, then you can weigh your net payment, against the surcharge for 3 years, and make a decision whether or not you wish to make a claim.
What ever you do, good luck!
You ask people on the forum for insurance information, and advice.
You'll receive nothing but guesses, and opinions that are often totally incorrect.
Your insurance carrier will have accurate information, that is specific to YOUR policy. No guesswork, just facts.
Contact your auto insurance carrier, and ask about their underwriting practices.
Your loss is a Comprehensive loss, not collision.
Some carriers do not consider Comprehensive losses as chargeable, so you'll have no premium surcharge, and should use your Comp. coverage.
You may even have a small deductible, or no deductible at all on Comp., and have most, or all of your loss paid for by your carrier.
If your carrier does consider this Comp. loss as chargeable, then you can weigh your net payment, against the surcharge for 3 years, and make a decision whether or not you wish to make a claim.
What ever you do, good luck!
Race Director
Joined: Sep 2009
Posts: 11,338
Likes: 2,438
From: Eastern
You are doing what so many folks do.
You ask people on the forum for insurance information, and advice.
You'll receive nothing but guesses, and opinions that are often totally incorrect.
Your insurance carrier will have accurate information, that is specific to YOUR policy. No guesswork, just facts.
Contact your auto insurance carrier, and ask about their underwriting practices.
Your loss is a Comprehensive loss, not collision.
Some carriers do not consider Comprehensive losses as chargeable, so you'll have no premium surcharge, and should use your Comp. coverage.
You may even have a small deductible, or no deductible at all on Comp., and have most, or all of your loss paid for by your carrier.
If your carrier does consider this Comp. loss as chargeable, then you can weigh your net payment, against the surcharge for 3 years, and make a decision whether or not you wish to make a claim.
What ever you do, good luck!
You ask people on the forum for insurance information, and advice.
You'll receive nothing but guesses, and opinions that are often totally incorrect.
Your insurance carrier will have accurate information, that is specific to YOUR policy. No guesswork, just facts.
Contact your auto insurance carrier, and ask about their underwriting practices.
Your loss is a Comprehensive loss, not collision.
Some carriers do not consider Comprehensive losses as chargeable, so you'll have no premium surcharge, and should use your Comp. coverage.
You may even have a small deductible, or no deductible at all on Comp., and have most, or all of your loss paid for by your carrier.
If your carrier does consider this Comp. loss as chargeable, then you can weigh your net payment, against the surcharge for 3 years, and make a decision whether or not you wish to make a claim.
What ever you do, good luck!
I keep Comprehensive and fire insurance on my car during the winter months, just in case something might happen in my garage that would damage my car.Whatever your comp deductible is, that is all you will pay.
As far as Car Fax, the big stuff never gets reported to them, so I'm guessing a small claim will be LOL
Good Luck