Hail Damage

122554 · 02-26-2013, 04:12 PM

Hate to tell you this, but you're S.O.L.! As your insurance company told you, it's an act of nature. If they would have taken a hammer to it, they're responsible. If they drove another car into it, they're responsible. The best you can hope for is be calm, show the dealer how good a customer you've been, that you're thinking of getting a new car, and hope they'll cover the damage. Your fight is with your insurance company.

I had similar hail damage once. Found the most expensive body shop in town and got an estimate. When the insurance company agreed to pay, I took the car to the dealer, traded it in as it sat, applied the insurance check, and bought a new car. Figured I came out on top by $3K.

cqnguye1 · 02-26-2013, 07:54 PM

Quote:

Originally Posted by 122554

I had similar hail damage once. Found the most expensive body shop in town and got an estimate. When the insurance company agreed to pay, I took the car to the dealer, traded it in as it sat, applied the insurance check, and bought a new car. Figured I came out on top by $3K.

did you have a lien on the car when u traded it in? so u had a 370z that had hail damage and traded it in for another 370z?

122554 · 02-27-2013, 02:05 AM

Quote:

Originally Posted by cqnguye1

did you have a lien on the car when u traded it in? so u had a 370z that had hail damage and traded it in for another 370z?

No lien, 350 for a 350.

cqnguye1 · 02-27-2013, 11:03 PM

man... i bought my 2012 solid red 3months ago and now it look just like the ops blue 370z, with the same damages. im thinking about what 122554 said and trade it back in, but i don't want to lose out too much since i paid triple the car note for the last 3 months

mb370z, keep us posted with your situation and let me know what kind of estimate they give you. im in the same situation as you, just not with the dealer mess.

MB370Z · 02-28-2013, 07:13 AM

Quote:

Originally Posted by cqnguye1

man... i bought my 2012 solid red 3months ago and now it look just like the ops blue 370z, with the same damages. im thinking about what 122554 said and trade it back in, but i don't want to lose out too much since i paid triple the car note for the last 3 months

mb370z, keep us posted with your situation and let me know what kind of estimate they give you. im in the same situation as you, just not with the dealer mess.

I got an appoinment in Harahan to get the estimate on Tuesday so I will let you know.

scottIN · 02-28-2013, 09:44 AM

Forgot I had an expert right here in my building - one of my tenants is an insurance agent. So I asked him. And what the OP said is correct (and I stand corrected).

He said that you would have to prove that they were negligent and did not exercise reasonable care for it to be under their insurance and not yours.

The example he gave was if a tree from your property fell on your neighbor's garage. If the tree was alive & healthy, it would be your neighbor's responsibility. If the tree was dead, it would be the tree owners responsibility.

DEpointfive0 · 02-28-2013, 10:44 AM

Quote:

Originally Posted by scottIN

Forgot I had an expert right here in my building - one of my tenants is an insurance agent. So I asked him. And what the OP said is correct (and I stand corrected).

He said that you would have to prove that they were negligent and did not exercise reasonable care for it to be under their insurance and not yours.

The example he gave was if a tree from your property fell on your neighbor's garage. If the tree was alive & healthy, it would be your neighbor's responsibility. If the tree was dead, it would be the tree owners responsibility.

But what happens in another act of God, like this?
I'm sure someone knew a storm was brewing... Why wouldn't you put all the cars in the service garage? Or something to that effect?

I still think THEY should be paying for it...

Also, go to a PDR guy... And ASK how much they'd charge to take the dents out. 2 years ago before I bought my first Maxima, I was going to buy a brand new Salvage Title car that had hail damage, I went to a PDR guy, he said 2 days, $400-600 total... You essentially rent him out... The dealerships aren't paying more than $200-300 for a PDR guy to come pop dents out of their cars per day.

And it's a good way to keep it off CarFax

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02-26-2013, 04:12 PM	#1 (permalink)
122554 Track Member Join Date: Jan 2013 Location: My own world Posts: 506 Drives: 2010 Nismo Rep Power: 14	Hate to tell you this, but you're S.O.L.! As your insurance company told you, it's an act of nature. If they would have taken a hammer to it, they're responsible. If they drove another car into it, they're responsible. The best you can hope for is be calm, show the dealer how good a customer you've been, that you're thinking of getting a new car, and hope they'll cover the damage. Your fight is with your insurance company. I had similar hail damage once. Found the most expensive body shop in town and got an estimate. When the insurance company agreed to pay, I took the car to the dealer, traded it in as it sat, applied the insurance check, and bought a new car. Figured I came out on top by $3K.

02-27-2013, 11:03 PM	#4 (permalink)
cqnguye1 Base Member Join Date: Dec 2012 Location: houston, TX Posts: 12 Drives: 370z 2012 Solid Red Rep Power: 13	man... i bought my 2012 solid red 3months ago and now it look just like the ops blue 370z, with the same damages. im thinking about what 122554 said and trade it back in, but i don't want to lose out too much since i paid triple the car note for the last 3 months mb370z, keep us posted with your situation and let me know what kind of estimate they give you. im in the same situation as you, just not with the dealer mess.

02-28-2013, 09:44 AM	#6 (permalink)
scottIN Track Member Join Date: Aug 2011 Location: New Castle, Indiana Posts: 764 Drives: '12 370Z Rep Power: 55	Forgot I had an expert right here in my building - one of my tenants is an insurance agent. So I asked him. And what the OP said is correct (and I stand corrected). He said that you would have to prove that they were negligent and did not exercise reasonable care for it to be under their insurance and not yours. The example he gave was if a tree from your property fell on your neighbor's garage. If the tree was alive & healthy, it would be your neighbor's responsibility. If the tree was dead, it would be the tree owners responsibility.