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Should I Bother Getting Fender Fixed + Pay Deductible ?

Discussion in 'Non-Vegas Chat' started by Joe Strummer, Jan 16, 2015.

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  1. Joe Strummer

    Joe Strummer VIP Whale

    Apr 4, 2006
    I posted before - slid into a guy + cracked my front fender.
    It doesn't look TOO bad.....I have about 5 payments left on it.
    My deuctible is $500 --
    auto shop called said my repair bill ( at this time is $520 ) -
    "unless we find more trouble underneath the grill when we replace it."
    So....i don't know ?........should I pay the $500 and get it fixed or not ?
    ......any thoughts.
    **** PS*****
    I already asked my Ins. Co........"will my payments rise ?"
    Got the usual runaround answer......which was No answer...."until your policy is reviewed."
  2. Jerseyguy

    Jerseyguy VIP Whale

    Sep 6, 2011
    Trips to Las Vegas:
    Most guys would pay out of pocket for $20 ,not to have a claim against your insurance. Can you have the body shop give you a definite answer on other damage before you decide?
    Is the shop an approved one by the ins. co. in case you have to go that route?
    That's my opinion anyway.
  3. jimbondo

    jimbondo Tourist

    Nov 19, 2014
    Trips to Las Vegas:
    hey im a body shop guy. i always review the estimate with my customer, and discuss
    that we may find hidden damage during repair process (usually is a little something )
    we can only estimate what we can see at the orig inspection.. for that small of a repair
    i would pay out of pocket. you want to use your insurance for the bigger repairs.
    make sure your body shop offers a life time warranty. good luck
  4. Piggylane

    Piggylane Well-Known Member

    Nov 26, 2013
    Quabbin Reservoir, MA
    Trips to Las Vegas:
    I've never had an auto claim in 42 years of driving but I did have one homeowners claim. We had a series of sequential heavy snow storms and I have a large deck around my house. It collapsed because I was unable to get rid of the snow due to travel. I filed a claim and they paid me $2900. This was years ago. When my policy was up for renewal they cancelled it. I had to scramble to find new insurance. Because I had a recent history of a claim my new policy was over $1000 more per year! Bastards!

    Pay out of pocket, ask for a cash discount.
  5. Snidely

    Snidely VIP Whale

    Nov 2, 2012
    Trips to Las Vegas:
    Don't file a claim for only $20.
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