If you want to make a claim for a potential loss of value, advise your SF adjuster you'd like to make a claim for diminished value. They might owe something depending on your state's laws, but the only way to really prove it is by selling the vehicle. Everything else is ballpark guesses and maybe's. On the flip side, you're never required to go to an insurance carrier's preferred shop.
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Unbelievable Cost to Repair Fender Bender
- Thread starter Coyote Shadow Tracker
- Start date
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wldcat
Well-Known Member
Wife hit a fawn last year and only damage to the naked eye was the cracked bumper cover and grill, this one totaled $9,400….
Run, run as fast as you can!
cohunt
Well-Known Member
Guy rear ended my 2015 f150 9 months after new-- they tossed the bed, bumper, and tail gate and bolted on new parts -- was $18000 to repair--- I bought a brand new 1/2 ton dodge In 1994 for the same price----- but then again, there are now $120000 trucks --, and you wonder why Insurance costs so much----- don't forget about the cost of the rental vehicle while your vehicle is being repaired
I just tried to sell that f150 and a dealer wanted to hit me for almost 10grand because the car fax shows "moderate rear end damage"--- yet I sold it private party for $25k In 3 days after I listed it
I just tried to sell that f150 and a dealer wanted to hit me for almost 10grand because the car fax shows "moderate rear end damage"--- yet I sold it private party for $25k In 3 days after I listed it
Car insurance is going up between 20-50% nation wide. If your hasn't gone up yet, you'll see it sometime in the next year or so. Also, my previous carrier, that I'd been with for 10+ years, is also raising the minimum deductible to $1000.
More fallout from the covid panic of 3-4 years ago.
More fallout from the covid panic of 3-4 years ago.
Everyone i know has changed car insurance in the last 3 years. They all acked up their rates. Shop around.
Varmint Hunter
Well-Known Member
My wife took a turn too sharp on a residential street. The high curb was clad in steel because it had a water catch grate below it. The car's rocker panel contacted the steel and cause more damage than you'd imagine for a 10mph impact. Two weeks and $8,000 later and we got the car back looking like new. 
Auto repair bills elevate quickly. Then your rates go up because you used your over-priced insurance. You just can't win.
Auto repair bills elevate quickly. Then your rates go up because you used your over-priced insurance. You just can't win.
Yep. Parts sky high and labor worse. Insurance companies prefer to total the vehicle, pay you off a minimum value, sell the car for scrap to get partial reimbursement (and another combustion vehicle off the road).
Yes if the just pay to get it fixed it is 100% loss to insurance. If they total it the ins pay lowest price to insured and then gets payback from selling to totaled vehicle off.
Varmint Hunter
Well-Known Member
Putting in claims, even for minor damage, puts you on the "bad boy" list and can cause your rates to go up significantly. Over the years, my wife has had a few minor incidents in parking lots or wherever. If the damage is under $2,000 I pay it out-of-pocket even though it is covered. In the end, I'm probably saving money by not causing my rates to increase because of our claim history. It's a bummer to pay out-of-pocket when you have coverage but sometimes it makes financial sense. Auto insurance here in NY is very high to begin with.
FireFlyFishing
Well-Known Member
FireFlyFishing
Well-Known Member
Fact
Auto Insurance is getting redickles.
Wife and I have been looking for deals lately. You can find it a little less expensive but you will sacrifice something in your coverage. We ended up keeping our S.F. Insurance we've had for over 30 years and went with a Higher deductible to bring it down a little.
Automobiles are made to absorb the impact, but it is redickles. A member here Joe Singleton is a owner of a auto body shop, him and I talked about it recently.
You can push body panels in with your hands. Don't try it, that little dent you just made will cost you 500.00 or more.
Wife and I have been looking for deals lately. You can find it a little less expensive but you will sacrifice something in your coverage. We ended up keeping our S.F. Insurance we've had for over 30 years and went with a Higher deductible to bring it down a little.
Automobiles are made to absorb the impact, but it is redickles. A member here Joe Singleton is a owner of a auto body shop, him and I talked about it recently.
You can push body panels in with your hands. Don't try it, that little dent you just made will cost you 500.00 or more.
LRNut
Well-Known Member
The Wall Street Journal has had a number of stories on the high cost of repairing vehicles. Last week they wrote about car insurance - carriers are losing money due to the high cost of repairs. EVs are even more expensive - one reason Hertz is reducing their planned fleet of Teslas.
