02-08-2021, 01:16 PM | #1 |
Drives: n Join Date: Sep 2019
Location: NC
Posts: 22
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Repair or take insurance money?
My 2018 2SS hot wheels edition camaro was hit while I was backed in to a curbside pickup spot at bestbuy. Originally the person who hit me thought it would be under $500, so we didn't immediately deicide to go through insurance.
It seems I will need a new front lip, repainted bumper, new clearcoat, new side marker lamp, new stripes on the front bumper, and possibly new stripes on the hood because after fading from the sun they may not match the new bumper stripes. As you can all see, the damage is really not that bad... I have not fully paid the car off so the insurance money could help me pay some of it. Do you all think the insurance money is worth the price hit I will take due to the damage when selling? If I get the car fixed now, they will continue to repair it until its perfect even if it exceeds their quoted $1571.90. If I take the money and get it repaired later and its over that price I would have to pay the difference. The first estimate I got was from a local repair shop and they quoted about $2400. I then went to a chevy dealership and they quoted $3200. Finally when going through insurance they quoted me $1571.90. I could take the $1571.90 or get it repaired. |
02-08-2021, 01:18 PM | #2 |
Drives: n Join Date: Sep 2019
Location: NC
Posts: 22
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Here is a link to the not rotated: https://imgur.com/a/eueKTg2
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02-08-2021, 01:20 PM | #3 |
2020 Shadow Gray 2SS
Drives: 2020 2SS - A10, NPP, MRC, CAI Join Date: Dec 2019
Location: SoCal
Posts: 3,032
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Get it repaired... Your car will be perfect again and it won't cost you anything... You wait and it will likely cost you over $1000 of your own money...
I grew up in a body shop, saw people "take the money and run" a lot, they always regretted it later when they wanted their car fixed and found out how much it was really going to cost...
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2020 SGM 2SS - A10, NPP, MRC, Red Calipers, Black Camaro Fender Badge, Footwell Lighting
Added after delivery: - GMP CAI, GMP Black Strut Tower Brace, MRR017 1LE Wheels, SS Armrest, Black Fuel Door, Stainless Sport Pedals, SS Wheel Caps, Black Lugs/Locks, GM Splash Guards, DD Smoked LED Markers, Smoked Rear Reflectors, Mishimoto Catch Can, Xpel PPF - Full Front, SunTek 35% Tint, CeramicPro coating, RST Stainless Brake Lines, Castrol SRF, MSD Super Conductor Wires Left: My "fun" ride. Right: My "work" ride: a Gulfstream G600. One's top speed is 180 Mph, the other, 620 Mph... |
02-08-2021, 01:21 PM | #4 |
Drives: 2017 Silverado/2017 ZL1 Join Date: Aug 2019
Location: Jax/Palatka FL
Posts: 1,090
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If you really wanted to take the money, you could probably find a shop that could do a decent job of spot repair without having the repaint each panel. Of course it will never look perfect, but it might be worth looking into.
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02-08-2021, 01:41 PM | #5 |
Drives: LT W/2LT,blue metallic Join Date: Jul 2016
Location: central florida
Posts: 4,915
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in florida that at fault drivers insurance pays the bill.the last person that hit my camaro had geico insurance,and i went with their recommended shop because they have a good reputation and were within a mile of my house.car was fixed perfectly,lifetime guaranty on the repairs,and i was happy with the outcome.dont be shy,get your car fixed by a good body shop and make the at fault persons insurance pay for it.i dont think you will be happy making payments on a damaged car and having to look at the damage every time you drive your car.
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02-08-2021, 01:43 PM | #6 |
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I had something happen recently that resulted in similar but more extreme damage. To the point that the splitter was damaged and broken, caused a ripple into the front quarter panel. My repair was just over 3K. I would recommend you get it repaired.
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02-08-2021, 01:45 PM | #7 |
Drives: 2017 2SS, 50th pkg, M6, MRC, NPP Join Date: Jan 2016
Location: Ocean City, NJ
Posts: 3,181
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Is the lower rear of the spoiler lip cracked off? I can't tell from the photo.
The repair/repaint/re-decal approach sounds thorough. But that is asking the body shop to do a lot of things perfect for something that, to my eye, looks like it could be made pretty nice with some DIY work. Spoiler is scuffed. If it is not actually cracked you could probably airbrush that edge and it would look fine. Flat will be easier to hide than a gloss repair. Marker light is scuffed. Try some plastic polish. Tape off around it and use something like Novus #2. https://www.amazon.com/Novus-PC-22-N.../dp/B002UD0GD6 Bumper cover paint chip. Looks like it is right on the edge. Some hand-applied touch-up paint might be acceptable. Alternate is body shop does everything. They may not get the stripes lined up perfect. The new paint and clear may show as different in a few years compared to the factory panels. |
02-08-2021, 01:45 PM | #8 |
Obsessed
Drives: 2016 Hyper Blue 2SS RS Join Date: Jun 2011
Location: Riverview, FL
Posts: 2,603
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save about $500 of that bill, pull the splitter off, sand it and rattle can repaint it yourself.
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2016 Hyper Blue 2SS |
02-08-2021, 01:53 PM | #9 |
Drives: 2016 Camaro SS M6 Join Date: Oct 2016
Location: Colorado
Posts: 393
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Fix it. $1500 is not worth the headache later. If it was $3200 then you might want to find cheaper alternatives for that minor damage. lol But not at $1500.
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02-08-2021, 01:56 PM | #10 |
Drives: 15 SilveradoLTZ,162SSVert BlazerRS Join Date: Dec 2015
Location: Minot,Maine
Posts: 644
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Here is another way to look at it. If an insurance Co. gets involved, They WILL report it to Carfax, When You Go to sell or Trade it, You will be the 1 to take the HIT. BEEN THERE,DONE THAT!!!!! Take the CASH and get it fixed or find a shop that can fix it.
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02-08-2021, 02:06 PM | #11 |
Drives: 2017 2SS, 50th pkg, M6, MRC, NPP Join Date: Jan 2016
Location: Ocean City, NJ
Posts: 3,181
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If he can DIY, I would not even pull the splitter. Since the affected area is like one whole "side" of the splitter, you can go over that with a spray can once you have the surroundings masked off. No one will notice, particularly in an area of the car that often gets dirty. Anyone know the paint code for that gray?
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02-08-2021, 02:07 PM | #12 |
Drives: 2017 Camaro ZL1 Coupe Join Date: May 2016
Location: Georgia
Posts: 5,813
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Get it repaired by a reputable body shop and don’t be concerned about a mark on the Carfax report if the damage would even be reported. Sometimes damage is reported and sometimes not. That’s my advice to you! Good luck.
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ZL1 Coupe, PDR, Exposed carbon fiber hood insert, My Link with Nav, M6 6 speed and Silver Ice Metallic. Mods done: ceramic window tint, GM Accessories Camaro floor mats and Roto-Fab CAI.
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02-08-2021, 02:44 PM | #13 | |
Drives: 2023 ZL1 Vert M6 "Sharky" Join Date: Mar 2020
Location: Earth
Posts: 4,032
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Quote:
Where are you located? Near Hickory? |
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02-08-2021, 02:50 PM | #14 |
Drives: 2017 SS 1LE Join Date: Mar 2017
Location: Florida
Posts: 617
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Touch it up and keep factory paint. More coming in years ahead
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