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Cosmetic Modification (Interior/Exterior/Lighting) Discussions about cosmetic mods.

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Old 04-19-2016, 01:21 PM   #15
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Postive, as crazy as it sounds it happened the exact way i said it happen. Nj has crazy weather sometimes

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Old 04-19-2016, 02:39 PM   #16
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Currently getting another estimate from a different body shop.

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Old 04-19-2016, 02:40 PM   #17
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The door frame is probably buckled. More than likely two door shells, all hinges, door stay assemblies. If you get lucky, just hinges and door stays, but I doubt it.
You confused me can you explain it again

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Old 04-19-2016, 03:38 PM   #18
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Call your insurance, explain to them what happened and see what they say. They should be able to tell you if it will affect your rates without actually filing a claim. Hopefully they can file it as a comprehensive claim and just charge your deductible with increasing your rates. That estimate looks like its in the ballpark btw I can't imagine it being much cheaper.
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Old 04-19-2016, 04:07 PM   #19
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Just went to two body shops, one is charging me 3,067$ and another is 1,200$. On my way to see my insurance agent to see what they can do for me. So from 3 shops I was quoted 1200,1500, and 3067$. Why are they all varying prices?

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Old 04-19-2016, 04:09 PM   #20
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Various shops use different qualities of paint, charge different labor rates, different quality of parts they use for the repairs. Some do better jobs of estimating the job and others will stick it to you later when they discover more damaged then was originally estimated. Thats just a few different reasons why.
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Old 04-19-2016, 04:22 PM   #21
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Im under my mothers insurance since im only 19. I dont want the rates to go up thats why I havent went to my insurance yet. But it looks like a claim would be the best way to go since it is a act of nature and I couldnt do anything about the wind. In that case, would my rates go up? Should I even bother with insurance?

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Old 04-19-2016, 04:37 PM   #22
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Im under my mothers insurance since im only 19. I dont want the rates to go up thats why I havent went to my insurance yet. But it looks like a claim would be the best way to go since it is a act of nature and I couldnt do anything about the wind. In that case, would my rates go up? Should I even bother with insurance?

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Just ask the insurance. Some will some won't.
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Old 04-19-2016, 05:23 PM   #23
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Im under my mothers insurance since im only 19. I dont want the rates to go up thats why I havent went to my insurance yet. But it looks like a claim would be the best way to go since it is a act of nature and I couldnt do anything about the wind. In that case, would my rates go up? Should I even bother with insurance?

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If they cover it at all it will be comprehensive and should not impact your rates. All depends on your policy though.
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Old 04-19-2016, 05:30 PM   #24
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All I can say is....."Damn".
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Old 04-19-2016, 06:29 PM   #25
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The prices are all over the place because some are writing to replace both doors and blending both sides of the car, others are probably just writing it for hinges and some repair. To me, I'd say it needs two doors and the $3k+ seems right. They can only write what they see at the time, it needs to be torn down and things measured to really see what's going on. File a claim
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Old 04-19-2016, 06:37 PM   #26
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The car is a lease so it has full coverage. Talked to my insurance agent and he said that my rates would go up since 1: I am a young driver and 2: the car is considered a sports car. Which makes no sense to me in the slightest since it was an act of nature. My deducatable is 1000$ so im stuck as to what I should do

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Old 04-20-2016, 07:44 AM   #27
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Sounds like your agent is blowing smoke up your ass if you ask me....
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Old 04-20-2016, 07:51 AM   #28
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Well, at that point I guess I'd pay out of pocket to get it fixed as cheap as possible. Basically your doors need repaired and it probably needs hinges. To fix the doors will require some definite bodywork and alignment time. Your paint will need blended as well.


I think the 3,000 dollar quote was actually replacing your doors, but I'm not sure. It should all be pretty clear on your quote exactly what they were doing.


Your insurance agent isn't telling you the whole truth, but if it is a first claim on an otherwise clean policy your rates could be affected.
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