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Hail damage, what now?

Posted: Sun Jun 10, 2012 11:23 am
by Matt P.
Like the title says, my car suffered hail damage on Friday. What's my next step? I know to have it fixed but where and how? Should I just drop it off at the dealership and hope for the best? Or visit a body shop? There are no scratches or cracks. What about a paintless dent remover? Is it something I could do myself?

Please help! I know my car will never be flawless but man (woman) she was before this. I'm pissed.

Re: Hail damage, what now?

Posted: Sun Jun 10, 2012 12:15 pm
by No1SirButler
I would contact my insurance company first, they should cover it.

Re: Hail damage, what now?

Posted: Sun Jun 10, 2012 3:07 pm
by daleclough
+1 Insurance company

Re: Hail damage, what now?

Posted: Sun Jun 10, 2012 3:55 pm
by Matt P.
The damage isn't enough I think to call my insurance. I think I will just suck it up and go to the dealership. I guess they will referre me to their finance department and then to the body shop.

Re: Hail damage, what now?

Posted: Sun Jun 10, 2012 10:53 pm
by xoverdose
Go to some paintless dent repair people. I know the ones around here love hail storms because they are quick and easy fixes for them.

Re: Hail damage, what now?

Posted: Sun Jun 10, 2012 11:21 pm
by Nightmare
Matt P. wrote:The damage isn't enough I think to call my insurance. I think I will just suck it up and go to the dealership. I guess they will referre me to their finance department and then to the body shop.

I am confused as to why they will referre you to their finance department? You should just see the body shop and get an estimate, then determine from there if you should make an insurance claim.

Re: Hail damage, what now?

Posted: Mon Jun 11, 2012 8:57 am
by BTR-75
Nightmare wrote:
Matt P. wrote:The damage isn't enough I think to call my insurance. I think I will just suck it up and go to the dealership. I guess they will referre me to their finance department and then to the body shop.

I am confused as to why they will referre you to their finance department? You should just see the body shop and get an estimate, then determine from there if you should make an insurance claim.
+1

Hail damage can get real costy real quick, unless it's close and you wanna pay out of pocket to avoid having your rates jump I'd just have insurance handle it.

Re: Hail damage, what now?

Posted: Mon Jun 11, 2012 2:18 pm
by levilz
Don't know how your policy is set up, but I would think it would fall under act of god/natural disaster, etc. My policy doesn't give insurance hikes for this type of thing. I hit a deer a few years ago and that didn't make the insurance increase any. I'd call them and see what they can do.

Re: Hail damage, what now?

Posted: Wed Jun 13, 2012 9:47 am
by Matt P.
Finance department first is because anything, but I mean anything on a BMW is expensive. I did get a quote from the body shop they (the dealership) use for their own new damaged vehicles and the total cost for repainting the hood, bumper, fenders and fixing the roof was $1400 CAD. Which is not bad. I will be doing that sometimes after the rally.

Acts of god/unforseen events will make my insurance go up. Plus, I have a $500 deductible. I would still rather pay out of pocket for something like this than go through my insurance and pay extra for X amount of years.

Re: Hail damage, what now?

Posted: Wed Jun 13, 2012 10:08 am
by levilz
Yeah, that's definitely understandable with the big deductable and the payment increase.

Re: Hail damage, what now?

Posted: Wed Jun 13, 2012 10:58 am
by Nightmare
Matt P. wrote:Finance department first is because anything, but I mean anything on a BMW is expensive. I did get a quote from the body shop they (the dealership) use for their own new damaged vehicles and the total cost for repainting the hood, bumper, fenders and fixing the roof was $1400 CAD. Which is not bad. I will be doing that sometimes after the rally.

Acts of god/unforseen events will make my insurance go up. Plus, I have a $500 deductible. I would still rather pay out of pocket for something like this than go through my insurance and pay extra for X amount of years.

I see, I dont think that we have ever financed body work at the dealership that I work for here in the states.....However you really wanna pay interest on body work? I would think just laying it down on a credit card would be the better choice.....

Re: Hail damage, what now?

Posted: Wed Jun 13, 2012 8:45 pm
by voodoo g8gt
You might want to get a extimate from a Pop-a-Dent shop also. if they can garuantee no dings afterwards they will be less expenisve and probably no record of repair.

Re: Hail damage, what now?

Posted: Thu Jun 14, 2012 10:31 am
by Matt P.
The finance department was a joke as, like I said, it is very expensive to maintain a BMW in its tip top shape. I will get everything fixed when I bring it to the body shop when I repaint the hood bumper and all.

Re: Hail damage, what now?

Posted: Sat May 11, 2013 1:54 pm
by Matt P.
Just to give a general update.

I finally brought my car to a body shop to have them assess and fix the damage. Well, I stopped by the other day (my car is still there getting other body parts touched!) and the total cost of the hail damage is?! $2,900. Roughly 300 or so dings had to b fixed.

I went through the insurance, and as it is an "act of god" my premiums will NOT go up!


Pretty happy about that.

Re: Hail damage, what now?

Posted: Mon May 13, 2013 8:36 am
by BTR-75
Good to hear.

Re: Hail damage, what now?

Posted: Tue May 28, 2013 4:58 pm
by levilz
Image