[s-cars] Hail Damage Repair

[JR]

Comp claims do not raise your rates.  If your repair requires body panel 
replacement or painting, you're going to eat that 500 deductible right 
up.  Might as well use insurance.  That's what it's there for.  As for 
the tickets, how old are they?  Why haven't they found them already?  
Check your driving record online (just search in a search engine).  
Maybe they were the kind that never made it to your record.  At any 
rate, insurance will likely find your tickets eventually (they usually 
run an MVR at renewal), so if the estimate is up there, just use your 
insurance, take your lumps for the tickets, and don't get caught 
speeding anymore.  :-P

JR


Calvin & Diana Craig wrote:

>Well I have lived in Denver for 8 years and had no hail damage thus far so I
>guess my number was up.  My black 2001 A6 2.7T got pelted last week with
>about 50 (best guess) dents.  2 or 3 on the trunk lid, about 10-20 in the
>roof and 30-40 in the hood.  Does anybody have any places that they would
>recommend in the Denver area?  One thing that I had heard was that because
>the roof, I think, is aluminum it takes a little more care than normal sheet
>metal.  Does anybody have any experience with this?
>
>The second question is should I claim on my insurance ($500 deductible) or
>foot the bill myself?  Do comprehensive claims normally raise your rates?
>Of course my situation is complicated since I have 5 cars and my insurance
>is a lot of money each year and a small percentage change in my rates can
>mean lots of dollars in absolute terms.  The other complicating factor is
>that I have two tickets on my record that if the insurance company checks
>will show up.  Right now I have a good driver discount which of course would
>go away if they found the tickets.  What's everybody's opinion?
>
>Of course I just got this car 2 months ago and the dang thing was in
>absolutely top notch condition.  Why couldn't this have happened to my '89
>200 wagon with a bazillion miles?  ARGH!
>
>--Calvin
>
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