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Discussion Starter #1 (Edited)
hey guys this is whats going on, my 92 SC has a mighty scratch down the passenger side, i bought the car like that 3 or 4 months ago. now i have a 100 dollar comprehensive deductible so what will the insurance company do? can i get the whole passenger side repainted for 100 bucks or do you think they will just total it out? car value is around 2200. there is just a tiny bite of paint bubbling around the gas cap and down toward the front the rear wheel well so if they will repaint it i need to wire that down before hand but dont want to do so and then find out they just total it (cuz then i may try and buy it back).

any thoughts or opinions?

pics(yea it needs a wash :D)

 

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Raoul Duke
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You'll never get it painted for $100.
I can't imagine why they would total it, either.
 

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They probably won't do anything as long as you bought it that way. If an adjuster looks at it, they can tell that it wasn't freshley done. There are probably ways around it, but legally, I would say you're SOL. IMO
 

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Discussion Starter #4
cougarcragar said:
You'll never get it painted for $100.
I can't imagine why they would total it, either.
what i meant was i have a 100 dollar deductible so if my car gets vandalized(keyed) i pay 100 dollars to have the damage repaired.

not sure how familiar you are with insurance policies and what not but if damage is a certain percentage(80% i think) of the cars value then they cut you a check for your cars value and take the car.

as for:
They probably won't do anything as long as you bought it that way. If an adjuster looks at it, they can tell that it wasn't freshley done. There are probably ways around it, but legally, I would say you're SOL. IMO

yeah i obviously wouldnt tell them it happened before i owned the car and gamble on them buying the story. you dont think it would work, ive inspected the scratch and i dont know what the difference is between an old scratch and a new scratch. how would someone be able to tell?

thanks for your opinions would like to hear some more too.
 

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Ok here we go again. Some here might remember that I work for AAA insurance and have been here for almost 3 yrs. What will happen is, if you file the claim, the adjuster will determine if the damage was current or not. We all know that some are sharp as a knife, while others are pretty much clueless and will help you out. That depends on what you tell him/her. As to if they will paint the entire side or not depends on how much area the scratch covers. There's no way they will "total" it due to major scratch. Just base your decision on what the adjuster says. If the report is in your favor, then pay the $100 and be done with it.
 

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Discussion Starter #6
okay, just out of curiousity, you say they wouldnt total a car because of a scratch but what if there were multiple scratches and the estimate to repair the damage was more than the value of the car? would they still just fix it all even though its more cost effective to them to just cut a check?

im sure that doesnt happen often but some cars can get pretty badly vandalized.

thanks for your help.
 

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wigglesrewind said:
okay, just out of curiousity, you say they wouldnt total a car because of a scratch but what if there were multiple scratches and the estimate to repair the damage was more than the value of the car? would they still just fix it all even though its more cost effective to them to just cut a check?

im sure that doesnt happen often but some cars can get pretty badly vandalized.

thanks for your help.
You pretty much sumed it up. The way the ins industry works, is they will use Kelley Blue Book as one factor, and also use cars in your zip code with same to like qualities to also help determine the "value" of the car. If the value of your bird = X dollars, and the cost to repair = Z dollars, then they will cut you a check for X dollars instead, and you keep the car.
 

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Fry Rice Specialist
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to make the scract looks recently done, just scrape on it another time using sharp stuff. (please delete this if unapproprite)
 

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Casper said:
to make the scract looks recently done, just scrape on it another time using sharp stuff. (please delete this if unapproprite)

Yeh, key your own car. Have the ins cut you a check. Keep the money and keep the scratch. That would suck major balls if they figured out you keyed your own car...

Probably not worth it to me. Of course who am I to talk. I just "acquired" some sc wheels off an ole burned out bird sitting on the side of the road.

~Chuck
 

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wouldnt your rates go up if did that?? If so thats a really DUMB idea.
 

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Discussion Starter #11
my rates are pretty low right now and the premium shouldnt go up if its not your fault. although sometimes this isnt the case.
 

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AlpineBird said:
wouldnt your rates go up if did that?? If so thats a really DUMB idea.
Rates aren't affected by comprehensive claims, this is a prime example. They sky rocket with collision claims.
 

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ohhh ok, then if thats the case go for it lol.
 

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Look in the phone book for paint repair people. They will come out to where ever you are and paint over the spots that are bad. I had a company come to my work to fix mine after someone had keyed down one whole side of the car.
They charged me like 150 and you can look at it all day and not be able to find where they repainted.
They matched the color perfectly.
 

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What if someone hit my truck when I wasn't around. I just found out a couple days ago. It's probably been there for a couple weeks, but I was on vacation for a week during that time. I'm not sure on the deductible, but I've got full coverage with State Farm. Although, I am planning on getting it plainted down at Linn Tech when I go there. I'm wanting to do Durabak on it (like Rhinolining, but can buy untextured and in a variety of colors).

http://www.durabak.com/gallery.htm

There were some pictures of truck that had been painted with it, but can't find the pics...
 

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turtlem227 said:
Look in the phone book for paint repair people. They will come out to where ever you are and paint over the spots that are bad. I had a company come to my work to fix mine after someone had keyed down one whole side of the car.
They charged me like 150 and you can look at it all day and not be able to find where they repainted.
They matched the color perfectly.

this is the best and cheapest route. and you dont have to worry if your jacking your rates or are commiting a fraud
 
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