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What do I do? Auto Hail damage.

LiquidRetro 12,661 4,824 May 13, 2016 at 08:00 AM in Autos
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Last Edited by LiquidRetro May 13, 2016 at 08:03 AM
So on Monday I was parked at work and a thunderstorm popped up and stalled over my city. While it was fun to see a brief tornado from our office building the 75 minutes of hail was not. Most of the hail was small ish but mixed in was 1/2 dollar and lots of "Golf Ball" sized hail. Everyone's cars are damaged.

I have a 2011 Honda Crosstour AWD that I enjoy for the most part, It has about 46k miles, brand new set of expensive tires. It's well maintained and I am a bit OCD, IE not taking it through a car wash (Always hand wash, even in the winter). The hood, and roof are by far the worst, the sides are not terrible. I would post a few photos but it's super hard to see hail damage like this. There are well over 50 dents in the hood for example, some are very small others quite big.

I went to the body shop I had good luck with in the past and they had a quote of $7,500 to fix it all. They were going to replace the hood, roof, and 2 fenders, roof rails, and window trim on 3/4 windows and PDR the rest.

I got an estimate from my insurance company and I should get that back today. He agreed with the estimate I got from the body shop. I have a $500 deductible.

Lastly I tried to get an estimate from one of the best PDR places in town and he said I really needed a body shop for most of it as there were just so many spots on the hood and roof he would cost more than a body shop and basically declined to quote.

So what would you do? I like my car and intend to keep driving it. I am somewhat OCD about how it looks and try to keep it clean probably more than most people. The damage to the hood and roof are noticeable and bother me. That being said $7000 is a lot of money to say put to a second car fund or something fun. I am in no rush to repair and at this point probably be waiting a while for an appointment.

How does hail damage effect the value of a car? .
What about doing a partial repair of the worst damage like the hood and roof, and pick a few for the sides to fix and pocketing the rest?

Thoughts?

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Joined Dec 2005
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#2
Take the payout and keep driving the car as-is (don't get it fixed). Maybe have the worst of the dents fixed with the PDR if they bother you. This happened to my GF's son last week. Not as bad as you describe but every panel on the car has damage.

It adds character to the car!
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E finita la cuccagna

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#3
I second taking the $$ and running. hail is just aesthetic damage (unless glass is cracked/broken).
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#4
Are you in the part of the country expecting hail to be a regular occurrence? Are you expecting to stay at the same employer with an outdoor parking lot for a while? Pocket the money and then wait for the next storm.
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#5
I would, ultimately, base my decision on what the vehicle is currently worth and whether I ever planned on selling said vehicle.

Last year my wife totaled her car and yet somehow managed to do so without causing any mechanical damage or affecting driveability in any way. The claims adjuster offered me two options: (a) Cut me a check for $9,000-9,500 and insurance company owns the car. I would then have the option of buying it back with a salvage title for $2,000. (b) Cut me a check for $7,500. I keep the car and the title remains clear. I took option B and repaired nothing. The car looks like s**t, but it runs great and we always planned on running it into the ground anyway. Besides, my wife will probably just get in another accident anyway. Big Grin
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As the username says ...
#6
If you plan on keeping the car for awhile (since it only has 46k miles on it), then I would seriously consider fixing the major damage. Maybe you can get a new hood from a junk yard on the cheap (and maybe the fenders too), have the roof fixed and leave the sides alone if they are not too bad\not noticeable?

With only 46k miles on it, you could probably drive the car for quite a number of years depending on your annual use and there is no reason to drive around with a beat up looking, hail damaged car for that long just so you can pocket some insurance money on the damage. If you want to buy a new vehicle, that is of course up to you, but from a practical standpoint, there is no reason to do so. Additionally, major body damage will definitely lessen the value of the car by quite a bit I should think (check the KBB) so you are likely just going to be shorting yourself a good portion of the money on the sale that you are pocketing on the insurance if you sell now.

My 2 cents.
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#7
.....
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Last edited by ck39 September 2, 2016 at 04:22 AM
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#8
Quote from ManUpOrShutUp View Post :
I would, ultimately, base my decision on what the vehicle is currently worth and whether I ever planned on selling said vehicle.

Last year my wife totaled her car and yet somehow managed to do so without causing any mechanical damage or affecting driveability in any way. The claims adjuster offered me two options: (a) Cut me a check for $9,000-9,500 and insurance company owns the car. I would then have the option of buying it back with a salvage title for $2,000. (b) Cut me a check for $7,500. I keep the car and the title remains clear. I took option B and repaired nothing. The car looks like s**t, but it runs great and we always planned on running it into the ground anyway. Besides, my wife will probably just get in another accident anyway. Big Grin
i did that too. "totaled a car" in such a way it was just body damage. except once they declared the car totaled my state doesn't allow for option B.
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so i spent time making a signature. only to realize that you couldn't put an image in the signature. please enjoy the link to my signature, assuming it works.

http://imgur.com/FtBghZ2

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#9
Quote from YanksIn2009 View Post :
If you plan on keeping the car for awhile (since it only has 46k miles on it), then I would seriously consider fixing the major damage. Maybe you can get a new hood from a junk yard on the cheap (and maybe the fenders too), have the roof fixed and leave the sides alone if they are not too bad\not noticeable?

With only 46k miles on it, you could probably drive the car for quite a number of years depending on your annual use and there is no reason to drive around with a beat up looking, hail damaged car for that long just so you can pocket some insurance money on the damage. If you want to buy a new vehicle, that is of course up to you, but from a practical standpoint, there is no reason to do so. Additionally, major body damage will definitely lessen the value of the car by quite a bit I should think (check the KBB) so you are likely just going to be shorting yourself a good portion of the money on the sale that you are pocketing on the insurance if you sell now.

My 2 cents.
The crosstour is somewhat rare so doubt ill find a junkyard hood in decent shape. Before the hail it had zero swirls or flaws. I do intend to drive the car for a while so I ma leaning to a full repair.


So a general update. I got my amount back from the insurance adjust and was a bit surprised. He did barely anything when on site and had agreed with the body shop. However what he wrote was about $2500 less then the body shop. So given that I don't think a check for $5000 is not worth selectively fixing things (Hood and roof are about $2700) and pocketing the rest. So I am leaning to do a complete repair. It will also solve my OCD issue.
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Vague questions receive vague answers . . . . . .
#10
http://www.rockauto.com/en/catalo...,hood,1396

there's a replacement hood.

http://www.rockauto.com/en/catalo...ender,1380

fenders

just take it to a paint shop, and get them to match your car.
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#11
This happened to me when I lived in Chicago. I think it was like $5k worth of damage. "Funny" thing was that I was gonng get the last parking spot inside but I saw this lady who works in the same building but is handicapped coming from the other side so I let her have the spot instead.

I initially was kicking myself in the ass for doing that but when I realized the insurance company was just going to give me a check and I could either cash it or repair the car I was stoked. I just cashed it and sold the car within a year or two after for frankly not much less than it was worth overall as it was just cosmetic Big Grin

That said I don't have OCD so it didn't really bother me. Didn't hurt that I had a long term GF at the time either and the car was silver so you couldn't really see how bad it was until you got up close. If I was young and single though I may have thought of it differently if I knowingly would have to pull up to pick a girl up for a date or something in a car that looked like I beat the crap out of it Big Grin
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