Traffic Tickets & Car Insurance Discussion got a speeding ticket? need to fight the ticket in court, affecting your car insurance?.

car keyed, need advice!

Old 02-18-2008, 11:55 AM
  #1  
~~ Hardcore Newb ~~
Thread Starter
 
Join Date: Feb 2005
Posts: 149
Rep Power: 530
m5racer street rep is low. keep going
car keyed, need advice!

ok so my moms brand new 328xi was keyd at her school last thursday. The little bastartds keyed both front fenders, the hood and the front bumper. The car is painted in the matalic grey colour. i have pictures but my sister has the camera right now so i cant post them. My dad is afraid to make the claim threw the insurance comapnay and me and my mom are both trying to convince him otherwise beucase the entire front end of the car needs to be repainted. I need to know if this is something that is worth going threw insurance. What type of claim is it? are we gonna get a major increase in our rates when we renew?

the problem is my dad thinks that if we put the claim threw the insurance company he is gonna get hit with reduclious rates next time we renew. is this true? i have estmated that to repaint the frount end properly its gonna cost at like 5g's+, is that a fair estmate? Well any info would be great, also any comments from people that this has happened to would also be greatly apreciated. i will post up some pics tonite when i get the camera back.
m5racer is offline  
Old 02-18-2008, 12:02 PM
  #2  
~~ Hardcore Newb ~~
 
Join Date: Dec 2007
Location: sudbury
Posts: 76
Rep Power: 426
got_milk1998 street rep is low. keep going
its gonna raise the insurance but 5gs is way too much to paint the front of a car, did a bmw 5 series a month ago, full front end, with a new bumper for 2500 and thats done right, remove inner fender , remove headlights all that, so maybe you neeed another estimate....
got_milk1998 is offline  
Old 02-18-2008, 12:18 PM
  #3  
Junior GTcars Poster
 
green-eg's Avatar
 
Join Date: Jan 2007
Location: North Bay, ont.
Posts: 270
Rep Power: 461
green-eg street rep is low. keep going
we did a complete strip and repaint of a 00 323I at the body shop i work at. that was a total tear down, glass, handles, trim, bumpers, lights etc. and the bill was like 5500. i would say that 2000.00 to 2500.00 would be a fair estimate.
green-eg is offline  
Old 02-18-2008, 02:34 PM
  #4  
~~ Hardcore Newb ~~
 
Join Date: Apr 2007
Location: gt
Posts: 20
Rep Power: 449
kiwee street rep is low. keep going
paint it yourself, not worth the ins. hit.............
kiwee is offline  
Old 02-19-2008, 01:50 PM
  #5  
~~ Hardcore Newb ~~
 
Join Date: Feb 2008
Location: Georgetown
Posts: 29
Rep Power: 417
andrewkm street rep is low. keep going
Man that really sucks... I hate people like that!
andrewkm is offline  
Old 02-20-2008, 06:35 PM
  #6  
~~ Hardcore Newb ~~
 
Join Date: Mar 2005
Location: Muskoka, Ontario
Posts: 27
Rep Power: 525
Spigmo street rep is low. keep going
I had my entire car repainted a few years back because it was keyed, and know two other people who've been through the same.

All of us went through insurance, and none of us had any trouble with rate hikes.



My understanding of the situation is that as long as you haven't recently written off a vehicle/had any other significant claim, your rates won't be affected.


Just don't try to be smart and paint the car a different colour. Nothing says insurance fraud like a black car getting 'keyed' and being repainted red.
Spigmo is offline  
Old 02-20-2008, 10:14 PM
  #7  
~~ Hardcore Newb ~~
 
Join Date: Jan 2008
Location: Thornhill
Posts: 26
Rep Power: 420
alexd10 street rep is low. keep going
use your insurance, I would. I seriously doubt your rates will go up. And your estimate does seem a little high, I would think it should be around $4000 max, maybe even less
alexd10 is offline  
Old 02-22-2008, 01:55 AM
  #8  
akz
~~ Hardcore Newb ~~
 
Join Date: Feb 2008
Location: Markham
Posts: 17
Rep Power: 417
akz street rep is low. keep going
if its not an accident I really doubt it will affect your rate but call to make sure dont quote me on this... but this also really depends on your deductable and how much you have available and if you would want to use it on something like this or save it for something more serious.. like others have suggested a fair quote / estimate should be 2500 and thats with the parts removed.. so hit up a few garages..
akz is offline  
Old 02-23-2008, 01:45 AM
  #9  
Average GTcars Poster
 
Join Date: Mar 2006
Location: Toronto
Posts: 451
Rep Power: 496
gtprince will become famous soon enough
ye take it to ur insurance
gtprince is offline  
Old 02-28-2008, 10:51 AM
  #10  
~~ Hardcore Newb ~~
 
pimpinphilosophy's Avatar
 
Join Date: Sep 2005
Posts: 151
Rep Power: 508
pimpinphilosophy street rep is low. keep going
The claim would be a comprehensive claim. Please have your parents call me at work. I tell all my clients to give me a call about these situations. The joke around the office is that "our phone conversations are not recorded for quality purposes." I sell insurance, however Im like any other driver who wishes to not have their rates go up. The reason I say this is, I can help your parents and anyone else who wishes to know more about claims and insurance purposes.


My work number is 905-877-9652, have them ask for Devon
pimpinphilosophy is offline  
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
Rita99
Computer / Technology Chat
1
07-23-2008 02:25 PM
heyyou
Chit Chat
17
12-07-2007 01:40 AM
Baby_Muscle
chevy / gmc
60
02-27-2007 01:10 AM
illusion123a
Hyundai Mailing List
11
06-06-2005 06:28 PM
leviathan
Honda Mailing List
20
10-24-2003 12:12 AM

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 

Thread Tools
Search this Thread
Quick Reply: car keyed, need advice!


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service

© 2019 MH Sub I, LLC dba Internet Brands

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.
Page generated in 0.14583 seconds with 20 queries