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Old 04-04-2014, 09:04 PM   #52
kevinw

 
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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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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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