04-20-2018, 10:02 PM | #1 |
Drives: Camaro SS Join Date: Jun 2010
Location: California
Posts: 228
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Insurance or Out of Pocket?
Real quick, come out the grocery store only to see someone hit the back of my car. It's minimal damage but enough to where I know I'm going to need a new rear bumper. I have a 2017 white Camaro SS. Does anyone know around what I'm looking at to replace? I was just going to go through a Chevy dealer but would consider going to an outside shop if the price is too much. I think I have a $200 or $500 deductible so that's why i was considering insurance but again, just dont know my options. Thanks.
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04-20-2018, 10:38 PM | #2 |
Drives: Camaro SS Join Date: Jun 2010
Location: California
Posts: 228
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04-20-2018, 10:58 PM | #3 |
Drives: 2017 V6 RS Covertible Join Date: Mar 2018
Location: Northwest Indiana
Posts: 136
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That's gonna be way more than your deductible. Sorry that happened. Hit & run should be punishable by death. If you hit my car, man up and admit it.
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04-20-2018, 10:58 PM | #4 |
Drives: 2013 1SS LS3 Join Date: Feb 2014
Location: Massachusetts
Posts: 807
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Hit and run? People are garbage. Long shot here, but is it possible that the grocery store has cameras?
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04-20-2018, 11:11 PM | #5 |
Drives: Camaro SS Join Date: Jun 2010
Location: California
Posts: 228
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Ohh I understand its gonna be way more than the deductable. I'm guesstimating $1500-$1800. Is that about right or way more?
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04-20-2018, 11:20 PM | #6 |
Drives: 2014 2SS 1LE AGM Join Date: May 2013
Location: raleigh
Posts: 301
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A deer hit the rear quarter panel of mine, and although it only made a couple of small dents and scratch no longer then 3 inches, it was 1600.00 bucks.
They were able to remove the dents and repaint the area and blend it. I was so worried it would look noticible, but good lord when I got it back I had no idea where the deer hit it. That being said, you will def be getting a new bumper and they will have to paint it so I wouldn't surprised if it's closer to 3 grand. In my area at least it is free to get an estimate, I would do that if you can.
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04-21-2018, 05:45 AM | #7 |
Team 913
Drives: '14 ZL1, '15 Jeep GC, ‘22 Ram 2500 Join Date: Apr 2015
Location: USA, Central CA
Posts: 1,119
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See if your ins is going to increase... if so how much... if it is way more over the total repair cost (obviously its spread out over couple years with rate increase) then pay yourself. Otherwise let ins handle it. Also if ins takes care of it, a lot of ins co have a warrenty repair, if something goes wrong with the paint job they will fix it.
Did you file a police report? Give that number to the ins. |
04-21-2018, 08:12 AM | #8 |
Drives: 2018 1LT Camaro Join Date: Aug 2017
Location: PA
Posts: 782
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Insurance won’t go up it’s not your fault, somebody hit my rear end on my last car worst than that insurance covered it and insurance didn’t go up
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04-21-2018, 09:26 AM | #9 |
Drives: 2017 Camaro SS Fifty Join Date: Oct 2016
Location: Port St Lucie, Florida
Posts: 966
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Maybe try to find a white bumper at salvage. I had a wall cabinet fall off the wall and take out my side mirror of my then 3 year old Corvette which was Torch Red and I found a torch Red mirror with memory for $125 which was way less than new which would also require paint.
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04-21-2018, 10:23 AM | #10 | |
Account Suspended
Drives: 2017 Camaro Join Date: Mar 2018
Location: Kentucky
Posts: 622
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Quote:
Also you have to consider if you claim it, it will show up on the carfax. If you pay out of pocket to an independent shop then most likely will not. |
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04-21-2018, 11:57 AM | #11 |
Drives: Camaro SS Join Date: Jun 2010
Location: California
Posts: 228
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Went through insurance. Premium didn't to up and only had to pay a $300 deductible :-) Now just getting a rent a car that the insurance will cover for $25 a day. Lol
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04-21-2018, 09:09 PM | #12 |
Drives: 2017 2SS M6 Join Date: Jun 2013
Location: WNY
Posts: 7,070
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id be going through insurance and my uncle owns a body shop.
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04-21-2018, 09:41 PM | #13 |
Drives: 2016 2SS M6 Mosaic Blk Met-SOLD Join Date: Jun 2016
Location: KY
Posts: 2,934
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If you are ever going to sell or trade this car, one of the questions is "have you ever filed an insurance claim on this vehicle?"
When you say yes, the value goes way down on the used car value estimators. You can do this repair yourself if you want to. Rear bumper cover on thatgmpartsguy.com is $469. Painting is going to be $500. EDIT: Just saw that you filed the claim. This may help someone else.
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04-21-2018, 09:58 PM | #14 |
SoCal HT5! SD
Drives: 2016 red hot 2ss M6 Join Date: Nov 2011
Location: San Diego CA,
Posts: 1,929
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If you do go through insurance, be sure to ask about diminished value. Your car will have an accident reported on the title, making it much harder to sell.
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