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6/25/2008
Location
Tempe, AZ
US
rpoint116
11/13/2018 5:37pm
11/13/2018 5:37pm
Edited Date/Time
11/15/2018 10:16am
Some Jackhole backed into me while it was parked in the parking lot, so now I have a small scuff and two small scratches on the back rear bumper of our new car. I would post a picture but it is literally impossible to see. I plan on taking it two a couple of detailing restoration places next week. If they can't repair it somehow I may have to go thru our Insurance. I really don't want it showing up as a Carfax event because of the perceived negativity of the incident, and because it is so minor.
My question is does the Insurance Company or the body shop submit an "event" to the Carfax database? Can I ask "whoever" not to report the event because it is so insignificant?
My question is does the Insurance Company or the body shop submit an "event" to the Carfax database? Can I ask "whoever" not to report the event because it is so insignificant?
You can literally call up and have anything added or removed from the report you want.
Overhauling and refinishing a rear bumper on most vehicles would be a $600.00 - $700.00 repair as long as it is just minor paint damage. If it's the new Porsche of yours, could be upwards of a grand depending on how difficult to remove and if any electronic components have to be reset after disconnecting/reconnecting. Get a repair shop to write you a quote by manually selecting the vehicle and not scanning the vin. If you have a $500.00-$1000.00 deductible, why even bother filing a claim?
If you did file a claim and it happened to fall in the uninsured motorists category, you can always file a diminished value claim. Laws differ depending on state. Hope this helps...
Honestly you can barely see it. I came back from hiking a week ago last Monday day and saw a piece of paper on the windshield. It was blank and didn’t think anything of it. On Wednesday I saw the Scuff.
I think it will be a $250 deductible for my ins. I can’t imagine any diminished value over something this minor. Hopefully it will clean up.
The Shop
CCC-Carfax
Diminished Value is different in every state. You can’t file a DOV claim under UMPD if you are the insured. Every major carrier has this exclusion in their policy. Some states have specific guidelines, others it’s a tort claim.
I looked up a couple of paint/damage repair places I’m checking out when I get it back from the shop.
This is not a daily driver per sey... I’m sure it’s bound to get a ding or scratch here or there. Just not so fast!!
Yea man don’t go through insurance. Eat the cost. Negotiate a cash deal. Otherwise you’ll get a claim penalty and end up paying for it two times over in the long run.
Also not sure where you live but I’m not fixing mine until the spring. I might get rear ended as the winters are horrible here. Ha. No sense in fixing things twice.
I personally wouldn’t take a 90k plus vehicle, like rpoint has, to a mom and pop shop unversed in the latest repair techniques and produces. The technology in the collision and refinishing field is astonishing these days. More over, manufacturers procedures should be treated like a bible. Just because Mom and Pop have been there for 30 plus years dosen’t mean they are doing it correctly. Look up the John Eagle Collision/ State Farm lawsuit if you want a good read.
Also some manufacturers have a mandatory requirement now require a pre/post scan to identify and clear any DTC’s. I haven’t seen Porsche’s position statement come across my inbox as of yet. Even in a minor collision, I would always have the vehicle scanned post repairs to make sure it’s not storing any trouble codes. And have it done by the dealer, not a mom and pop shop with a snap on or cornwell scan tool. Those don’t pick up everything.
As far as your rates go, for that small of claim, I doubt it would affect your premiums. Call your agent, have them contact underwriting. They can model your policy post claim and give you an idea. So many things go into rating a policy, a minor claim is a drop in the bucket.
Georgie, I don’t envy you guys out that way this time of year. Good call on holding off until spring.
Old lady was turning left and Crossed way over center at an intersection. I hurried up cranked the car in the reverse (lurched back and she narrowly missed me) but I grazed a guard rail. But I guess it’s bettee than her smearing my front end. Oh well. Shit happens. I hit the guard rail. My fault. still this lady is gonna kill someone. Didn’t bother calling police because I’ll never be able to prove she was over center.
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