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Cosmetic Maintenance: Washing, Waxing, Detailing, Bodywork, Protection Anything related to keeping your Camaro clean and in good cosmetic condition.

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Old 04-04-2014, 08:51 PM   #51
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Rough situation but you handled it very well. Get the repaint, if insurance can do it great, if not then its worth the money.
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Old 04-04-2014, 09:04 PM   #52
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OMG. sorry for that OP. just remove him from your will. lol. no seriously, i would be livid at first, but yes, i have a 10 yr old and understand. wow. what i would do is say screw it, its life, things happen and file with your insurance, get the car repainted. and then nicely but firmly explain to him that next time there is snow, call Dad first to come help . then you can supervise. but he only meant well. but, thats what insurance is for. you got a very nice car, dont patch work it. good luck!! you sound like a great understand Dad.
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Old 04-04-2014, 10:53 PM   #53
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That hurts just to look at it. You handled a bad situation with tact. That can sometimes be hard to do. Kudos to you for the way you handled the situation. Im sure your son will not make that mistake again.

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Old 04-16-2014, 03:04 PM   #54
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update: Well....adjuster came out, scoped it out, 4800, however, my insurance company wants me to pay 30% of the bill on top of my deductible, and they are going to raise my rates under collision coverage. I understand its still cheaper than a new paint job, but honestly it may come close after three years of higher insurance premiums.

As one member stated, insurance is suck a ****ing joke and scam. I asked the agent handling my claim, "so why do I pay for insurance if you wont cover it 100%, aside from my deductible. It which she was a complete .... back to me. I told her to put the claim on hold, until my wife and I decide what we are going to do. Essentially I may as well paint it on my own. Its going to be borderline a wash between the two. After my deductible, 30%, and higher rates.
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Old 04-16-2014, 03:04 PM   #55
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The depreciated the paint because the car is four years old.
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Old 04-16-2014, 03:06 PM   #56
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Plasti-Dip or whole car wrap.
THIS
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Old 04-16-2014, 03:07 PM   #57
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THIS

I am seriously considering these options now.
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Old 04-16-2014, 03:18 PM   #58
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The depreciated the paint because the car is four years old.
Set up a lemonade stand and put the kid to work
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Old 04-16-2014, 04:11 PM   #59
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I understand the deductible, I do not understand the 30%, where in your policy does it explain depreciation?, if that is what they are saying. If we get into an accident does the insurance company depreciate the cost of those repairs due to age. Either way if you make a claim or not I would be finding a new insurance company.
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Old 04-16-2014, 04:48 PM   #60
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Wrap gets my vote. Protection and colors.
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Old 04-16-2014, 04:58 PM   #61
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I do not understand the 30% nor have I ever heard of such a thing.

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Old 04-16-2014, 08:03 PM   #62
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30% doesn't make sense, I'd press that issue. Read what your policy says, all the fine print, if it's in there, then so be it, but if it's not, then you definitely have some ground to stand on.
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Old 04-17-2014, 01:09 AM   #63
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What insurance company is this?
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Old 04-18-2014, 03:05 AM   #64
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he did a good job I don't see any snow on your car
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Old 04-18-2014, 07:48 AM   #65
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I had a similar incident recently. Luckily it was on my wife's van. My 4 yet old took one of those small sanding sponges to the gas tank and rear qtr panel area. He thought he was cleaning her van :( Got most of it out with M105




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Old 04-18-2014, 08:08 AM   #66
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get new insurance company
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Old 04-18-2014, 09:01 AM   #67
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I don't think we should be going crazy on the insurance company. Look at it from there stand point someone in his household damaged the car on purpose (I know he is 7 and didn't mean to scratch it but did mean to push snow off with that tool). If he were 9,11,13,15 what age can they say no he should know better in there eyes or at any age are you allowed to make a cosmetic mistake with your car and they should cover it. Also just that it is only scratches in the paint not dents or gauges that could rust out. So there is no real damage to the car other than it is slightly scratched. It functions completely normal I am not sure they are responsible for your car staying in mint condition. It just food for thought, there is no right answer only what there fine print says in there policy that matters.
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Old 04-18-2014, 10:18 AM   #68
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Originally Posted by trashmanssd View Post
I don't think we should be going crazy on the insurance company. Look at it from there stand point someone in his household damaged the car on purpose (I know he is 7 and didn't mean to scratch it but did mean to push snow off with that tool). If he were 9,11,13,15 what age can they say no he should know better in there eyes or at any age are you allowed to make a cosmetic mistake with your car and they should cover it. Also just that it is only scratches in the paint not dents or gauges that could rust out. So there is no real damage to the car other than it is slightly scratched. It functions completely normal I am not sure they are responsible for your car staying in mint condition. It just food for thought, there is no right answer only what there fine print says in there policy that matters.
That's not the insurance company's concern. That's like saying I don't get to pay a copay and pay in full for a doctors visit because I ran myself down and got sick. Insurance is there to cover accidents, this is an accident. If it were vandalism, the insurance company would still be covering it (if he has the right coverage) as long as a police report was on hand.
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Old 04-18-2014, 10:26 AM   #69
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OP-

Thank you for your service and honestly, thank you for being a great father. I have a 9 year old, and know the struggles of sculpting a productive member of society, you sir are doing it right. Once you get your Camaro squared away, give me a call at Autopia Car Care (877.855.3125 ext 3202). It would be my pleasure to hook you up with a $100 dollar gift certificate so you can get some high quality detailing supplies to keep your baby looking great. In fact, PM me your email address and I'll get it squared away now.
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Old 04-18-2014, 10:32 AM   #70
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OP-



Thank you for your service and honestly, thank you for being a great father. I have a 9 year old, and know the struggles of sculpting a productive member of society, you sir are doing it right. Once you get your Camaro squared away, give me a call at Autopia Car Care (877.855.3125 ext 3202). It would be my pleasure to hook you up with a $100 dollar gift certificate so you can get some high quality detailing supplies to keep your baby looking great. In fact, PM me your email address and I'll get it squared away now.

That's awesome! Stand up company for sure


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Old 04-18-2014, 10:42 AM   #71
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That's not the insurance company's concern. That's like saying I don't get to pay a copay and pay in full for a doctors visit because I ran myself down and got sick. Insurance is there to cover accidents, this is an accident. If it were vandalism, the insurance company would still be covering it (if he has the right coverage) as long as a police report was on hand.
True But unless you have one of those very pricey Golden insurance plans they don't cover cosmetic work. Which is what this seems like to me the car is scratched not damaged. It is a close call but we are car people it matters to use but 90 percent of Americans drive around in cars with way worse paint and could careless about those type of scratches.
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Old 04-18-2014, 10:45 AM   #72
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I don't think we should be going crazy on the insurance company. Look at it from there stand point someone in his household damaged the car on purpose (I know he is 7 and didn't mean to scratch it but did mean to push snow off with that tool). If he were 9,11,13,15 what age can they say no he should know better in there eyes or at any age are you allowed to make a cosmetic mistake with your car and they should cover it. Also just that it is only scratches in the paint not dents or gauges that could rust out. So there is no real damage to the car other than it is slightly scratched. It functions completely normal I am not sure they are responsible for your car staying in mint condition. It just food for thought, there is no right answer only what there fine print says in there policy that matters.
Damaged on purpose?
Slightly scratched?
Dents and gouges will still allow the car to function normally, how is this different than scratches?

We pay greatly for our insurance yearly, unless there is specific language in the policy that allows for depreciation the insurance company is obligated to pay. Many years ago I had a similar situation with a homeowners claim, I stood my ground and in the end the insurance company paid.
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Old 04-18-2014, 10:46 AM   #73
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update: Well....adjuster came out, scoped it out, 4800, however, my insurance company wants me to pay 30% of the bill on top of my deductible, and they are going to raise my rates under collision coverage. I understand its still cheaper than a new paint job, but honestly it may come close after three years of higher insurance premiums.

As one member stated, insurance is suck a ****ing joke and scam. I asked the agent handling my claim, "so why do I pay for insurance if you wont cover it 100%, aside from my deductible. It which she was a complete .... back to me. I told her to put the claim on hold, until my wife and I decide what we are going to do. Essentially I may as well paint it on my own. Its going to be borderline a wash between the two. After my deductible, 30%, and higher rates.






Quote:
Originally Posted by GYac View Post
The depreciated the paint because the car is four years old.






Quote:
Originally Posted by Todd@Autopia View Post
OP-

Thank you for your service and honestly, thank you for being a great father. I have a 9 year old, and know the struggles of sculpting a productive member of society, you sir are doing it right. Once you get your Camaro squared away, give me a call at Autopia Car Care (877.855.3125 ext 3202). It would be my pleasure to hook you up with a $100 dollar gift certificate so you can get some high quality detailing supplies to keep your baby looking great. In fact, PM me your email address and I'll get it squared away now.
Cool guy.......

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Old 04-18-2014, 11:06 AM   #74
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I want to know if its the same insurance company I use. Mine pulled some crap like this with a house claim. Pure BS.
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Old 04-18-2014, 12:01 PM   #75
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Damaged on purpose?
(maybe better wording would be "willful action" he was meaning to do the action he was doing. He wasnt mowing the lawn and hit a stick or stone and shot it into the car. or painting the house or shed and got over spary on it. he was meaning to interact with the car. Like if you were to try and buff your car for the first time with a orbital buffer and burnt a bunch spots on your car it was a willful interaction with the car.)

Slightly scratched?
(yeas to most Americans those a slight scratches we are crazy car people the are HUGE DEFECTS in the paint to use.)

Dents and gouges will still allow the car to function normally, how is this different than scratches?
(Door dings or small damages done while working on your own car or in your own garage I wouldn't expect my insurance company to cover)

We pay greatly for our insurance yearly, unless there is specific language in the policy that allows for depreciation the insurance company is obligated to pay. Many years ago I had a similar situation with a homeowners claim, I stood my ground and in the end the insurance company paid.
(Most insurances have useful life terms in there policy. Wearable or replaceable parts are depreciated over there useful live unless you can show those have been replaced and are near new. That's why if you total a car you dont get the price of a new car but the price of the car today. There lawyers have put plenty of fine print in there to protect them.)
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