Ding on new car, Question About Auto Insurance Claim?
30 Mar 2010So I just bought a new car 3 days ago.
Today, there is a decent size ding on the driver side door that took a few small spots of paint off down to the metal (The metal itself is not dented or scratched, just the paint)
It needs to be fixed otherwise the exposed metal will rust. It’s small enough that I suspect it would be cheaper or equal in cost to just pay out of pocket to have it fixed rather than run the risk of filing an insurance claim and then they jack up my premium in 6 months.
Does anyone have any thoughts or insight?
It’s not a dent.
Thanks everyone. To clarify I was more concerned, if the deductible is the same or less than the cost to do it out of pocket if I should be concerned with the insurance company raising my monthly policy rates when the policy is renewed.
Tony H: Thanks for not reading my question at all.
Since every single one of your 24 answers on Y! Answers is promoting some get rich quick schemed website I’ve reported you for Spam abuse.
Thanks everyone.
I went to the dealership and explained what happened. The guy took one look and told me they could mix me up a little thing of paint that after a few dabs would fill in the chipped paint and buff the other bits right out. Said it wouldn’t even be noticeable when it was done.
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4 Responses to Ding on new car, Question About Auto Insurance Claim?
pickmefirstplz
March 30th, 2010 at 9:12 am
you probably have a deductible so just pay it out of pocket
clydesdale44
March 30th, 2010 at 9:26 am
Same thing happened to me. I decided to try this product because the guy at the store told me I could have my $ back if it didnt work. I am not a fan of as seen on tv as I have thought most of it is junk. But this actually worked. Check out Pops a Dent
http://www.asseenontv.com/prod-pages/pops-a-dent.html
I know it seems silly but it worked for me. I have heard Dry ice will work also, but not sure. Good Luck!
Max
March 30th, 2010 at 9:32 am
You could have the entire door repainted at a body shop for $500. Better to just buy a small bottle of touchup paint from the car dealer for about $10 and paint the ding yourself. I’m sure there will be more dings in the future.
just_me
March 30th, 2010 at 10:09 am
If it’s that tiny, go ahead and fix it yourself. Like you said, it’s probably less than your deductible anyway. If you’re worried about not reporting it, contact your agent.