Someone gouged my door -- worth filing a claim?

outofphase · 05-03-2019, 06:37 PM

I have a love/hate relationship with Chicago. A big part of the hate is from how reckless people are with their doors/shopping carts/cars in general!

Just found this today on my rear passenger side door and it happened within the last 48 hours but not sure where. I already have an appointment with the bodyshop to fix some clearcoat on my bumper, should I tack this on and pay it out of pocket, or just file a claim?

I have good coverage and my rates are solid right now; I have no claims in my history (30 years old, no accidents, maybe 2 speeding tickets in the last 10 years). Can anyone with insurance experience chime in on whether it'd be worth it to file a claim for this, or bite the bullet and pay out of pocket? My deductible is only $50.

I had similar damage on my last car (Infiniti G37) from when my girlfriend scraped a fire hydrant and it was ~$900 OOP if I recall correctly.

BeerHerder · 05-03-2019, 06:44 PM

Have them get you a quote for it, and ask your agent. Likely if you haven't had any claims in a while, it won't affect your rates. Ask the body shop to give you a quote for the "insurance pays" and for your cash rate. Also, that sucks. I avoid going to Chicago if at all possible...

outofphase · 05-03-2019, 07:14 PM

Quote:

Originally Posted by BeerHerder

Have them get you a quote for it, and ask your agent. Likely if you haven't had any claims in a while, it won't affect your rates. Ask the body shop to give you a quote for the "insurance pays" and for your cash rate. Also, that sucks. I avoid going to Chicago if at all possible...

Good idea, I'll make some calls on Monday. It'd be nice to file a claim if it won't affect my rates! Looks like I'm gonna be "that guy" who parks farther out in the parking lot from now on

ooshnoo · 05-03-2019, 07:20 PM

Whether it's worth filing a claim or not is not something we can say. Its your insurance, deductible and budget...do what you can afford.

Wires · 05-03-2019, 07:34 PM

What osshnoo said. The top one will buff out easy enough. If you don't fix the "to the metal" one, it will rust, which just brings the pain 1000x since it's almost impossible to win that battle once it happens. It's a cancer for cars that just makes you sad inside.

tturedraider · 05-03-2019, 08:18 PM

Another consideration is www.drcolorchip.com. It does a pretty good job filling in deeper chips and scratches.

Moupe · 05-04-2019, 12:26 PM

Personally I would try to polish out (within reason, don't go through clear!) what you can. As for the deep scratch, fortunately it doesn't look like the sheet metal got creased. I would fill it and sand down to blend but you have to know what you are doing.

It's not severe enough to warrant a complete door repaint imo and I'd much rather have the factory paint on my door.

05-03-2019, 06:37 PM	#1
outofphase dad bod 387 Rep 382 Posts Drives: 2015 335i xDrive Join Date: Feb 2019 Location: Chicago, IL iTrader: (1)	Someone gouged my door -- worth filing a claim? I have a love/hate relationship with Chicago. A big part of the hate is from how reckless people are with their doors/shopping carts/cars in general! Just found this today on my rear passenger side door and it happened within the last 48 hours but not sure where. I already have an appointment with the bodyshop to fix some clearcoat on my bumper, should I tack this on and pay it out of pocket, or just file a claim? I have good coverage and my rates are solid right now; I have no claims in my history (30 years old, no accidents, maybe 2 speeding tickets in the last 10 years). Can anyone with insurance experience chime in on whether it'd be worth it to file a claim for this, or bite the bullet and pay out of pocket? My deductible is only $50. I had similar damage on my last car (Infiniti G37) from when my girlfriend scraped a fire hydrant and it was ~$900 OOP if I recall correctly. Attached Images __________________ '15 F30 Estoril Blue 335i xDrive \| 8HP \| Stock Turbo \| 420 awhp / 451 awtq \| 11.85 @ 115 mph E30 JordanTuned on BM3 \| XDI-60 HPFP \| Fuel-It! lines + sensor \| VRSF FBO \| GFB DV+ \| XHP \| Vörsteiner VFF-107s \| Dinan Springs
	Appreciate 0 Tweet Quote

05-03-2019, 06:44 PM	#2
BeerHerder Lieutenant 251 Rep 426 Posts Drives: F30 335, G01 X3, Victory Vegas Join Date: Mar 2019 Location: IL iTrader: (1)	Have them get you a quote for it, and ask your agent. Likely if you haven't had any claims in a while, it won't affect your rates. Ask the body shop to give you a quote for the "insurance pays" and for your cash rate. Also, that sucks. I avoid going to Chicago if at all possible... __________________ Glacier Silver Metallic 335i X-Drive - Can't leave well enough alone... Fabspeed DP, Wagner Evo Comp II IC, ER CP, BM3 Stage 2 93 OTS, Bimmertech Amp (more to come... always more) Graphite Metallic X3 (nothing yet, but... you know)
	Appreciate 1 outofphase386.50 Quote

05-03-2019, 07:20 PM	#4
ooshnoo Lieutenant Colonel 878 Rep 1,687 Posts Drives: 2014 428i and 2018 X5 Join Date: Mar 2017 Location: Buford, GA iTrader: (0) Garage List 2018 BMW X5 [0.00] 2014 BMW 428i [10.00]	Whether it's worth filing a claim or not is not something we can say. Its your insurance, deductible and budget...do what you can afford. __________________ ___________________ 2014 F32 428i M-Sport 2018 F15 M-Sport
	Appreciate 1 outofphase386.50 Quote

05-03-2019, 07:34 PM	#5
Wires Brigadier General 1646 Rep 4,877 Posts Drives: 2016 340i xDrive Join Date: Apr 2008 Location: Calgary iTrader: (0)	What osshnoo said. The top one will buff out easy enough. If you don't fix the "to the metal" one, it will rust, which just brings the pain 1000x since it's almost impossible to win that battle once it happens. It's a cancer for cars that just makes you sad inside.
	Appreciate 1 outofphase386.50 Quote

05-03-2019, 08:18 PM	#6
tturedraider Major General 4975 Rep 6,241 Posts Drives: 2018 340i M Sport Join Date: Apr 2006 Location: Chicago, Edgewater (via Texas & Tennessee) iTrader: (0) Garage List 2018 BMW 340i M Sport [9.38] 2020 BMW M340i xDrive [10.00] 2018 BMW 340i M Sport [8.00] 2006 BMW 330i Sport [4.50] 2004 BMW 330i ZHP [7.25] 2000 BMW 328i [6.00]	Another consideration is www.drcolorchip.com. It does a pretty good job filling in deeper chips and scratches. __________________ www.bmwcca.org member #388003 - Use me as a referral & you could win a one day ///M Driving School!! ___________________________________________
	Appreciate 1 outofphase386.50 Quote

05-04-2019, 12:26 PM	#7
Moupe Monobloc 332 Rep 447 Posts Drives: '02 M Coupe - '19 F31 330ix Join Date: Dec 2009 Location: Bay Area, Killa Kali iTrader: (1) Garage List 2019 BMW F31 M Spor ... [0.00]	Personally I would try to polish out (within reason, don't go through clear!) what you can. As for the deep scratch, fortunately it doesn't look like the sheet metal got creased. I would fill it and sand down to blend but you have to know what you are doing. It's not severe enough to warrant a complete door repaint imo and I'd much rather have the factory paint on my door. __________________ -2023 Honda Odyssey Elite - Sonic Gray Pearl / Black -2019 F31 330ix Individual - Champagne Quartz / Coral Red (M-sport, Exec, Premium, Track) -2004 Honda CRV AWD - Silver / Black -2002 S54 M Coupé - Steel Gray / Dark Gray/Black
	Appreciate 1 outofphase386.50 Quote