I'm so devastated right now..

[AlpineV8]

Originally Posted by AMG_LAWL

Well I don't wanna go through insurance because when i had my audi, I got into a few accidents, one wasn't my fault and the other one was, so my insurance dropped me, simple as that. I got new insurance now, but I don't want to start up a stir with these people because they will think I'm just careless with my car, when in realty I'm not, its just the wrong place at the wrong time..

With that said, I have to pay out of pocket for this repair, and I don't know how much it will cost me because my tail light is cracked if you can see from the picture, I can leave that alone but then I have to deal with a potentially damaged rear parking sensor.. So for a bumper, and paint at least, it could cost me a lot of money I didn't have to spend in the first place..

Heat it up. Pop it out from behind. Clay bar it. I'll bet it looks halfway decent just until you get up the funds to have it properly repaired. I got a guy that does decent work for relatively cheap if you want the contact. He's worked on a couple cars of mine with worse damage than that.

[aus]

Sorry to hear that bud, but that's not a big repair at all.
There are "bumper repair" guys out there that specialize in this easy stuff. They heat gun it and pop it out.Then maybe get some medium abrasive polish and buff the shit out of it.
At worse, go to Platinum Auto on Glenco right down from Costco. They sprayed bumpers for me for cheap. Talk to the Asian lady if possible if she's still there. She knows what's going on there and gave me good prices on mod painting and install. Just tell them you're paying out of pocket.

Good luck. Been there before too. Definitely not worth telling the insurance for that.
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[MannyM3]

Originally Posted by AlpineV8

Pretty sure you meant raging.

Haha I did , stupid autocorrect always changing up my words lol

[zoltans4]

that'll buff out

[s85e90]

LOL at all the people saying not to use insurance. If you don't want to use insurance you should save your money and drop the collision coverage (if car is owned outright)..

Why do we have insurance in the first place if people don't want to use it? And then everyone bad mouths insurance companies for being gold mines and making record $$$... It' because they sold consumers a product that they are afraid to use.


IMO OP it's your call, it should be a cheap fix. Find a cover online, look for used ones via Craigslist or try and repair that one. It sucks but in the grand scheme of things if this is the worst thing that has ever happened to ya..

[aus]

Originally Posted by s85e90

LOL at all the people saying not to use insurance. If you don't want to use insurance you should save your money and drop the collision coverage (if car is owned outright)..

Why do we have insurance in the first place if people don't want to use it? And then everyone bad mouths insurance companies for being gold mines and making record $$$... It' because they sold consumers a product that they are afraid to use.


IMO OP it's your call, it should be a cheap fix. Find a cover online, look for used ones via Craigslist or try and repair that one. It sucks but in the grand scheme of things if this is the worst thing that has ever happened to ya..

You didn't even ask what his deducable is? Why report a $300 repair when you have a $250 or $500 deductable??? If OP wants a new rear tail light, then it'll be more than $500, but I'd just look for a used one here. I can't even tell where it's cracked in that pic.

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[AlpineV8]

Originally Posted by aus

You didn't even ask what his deducable is? Why report a $300 repair when you have a $250 or $500 deductable??? If OP wants a new rear tail light, then it'll be more than $500, but I'd just look for a used one here. I can't even tell where it's cracked in that pic.

.

This. I have a $1k deductible. It keeps my insurance costs much lower. We have insurance for expensive accidents not fender benders that will only drive your rates up.

[AshyLarryMP]

It could be a lot worse. Let the small amount of damage remind you that you could lose it all.

[AMG_LAWL]

Originally Posted by AlpineV8

This. I have a $1k deductible. It keeps my insurance costs much lower. We have insurance for expensive accidents not fender benders that will only drive your rates up.

Thank you, a reasonable answer finally.. I have insurance so when I get pulled over by a cop, I don't have to pay a $2500 dollar ticket, I also have insurance because if I hit someone or if they hit me pretty severely, Im covered, not for stuff like a moron who hit my car in the parking lot and didn't have the balls to leave a note (bad karma for him).. If my bumper was angling off my car and my rear quarter was bashed in.. I would definitely use my insurance

[AMG_LAWL]

Originally Posted by AlpineV8

Heat it up. Pop it out from behind. Clay bar it. I'll bet it looks halfway decent just until you get up the funds to have it properly repaired. I got a guy that does decent work for relatively cheap if you want the contact. He's worked on a couple cars of mine with worse damage than that.

Can I get that guys number please?

[zoltans4]

Originally Posted by aus

You didn't even ask what his deducable is? Why report a $300 repair when you have a $250 or $500 deductable??? If OP wants a new rear tail light, then it'll be more than $500, but I'd just look for a used one here. I can't even tell where it's cracked in that pic.

.

You missed the giant dent in the bumper with scrape marks, nothing to do with the taillight and more to do with a bumper cover

[pkimM3r]

id be pissed too but just get it redone. i have other things to be complaining daily about! lol

[AMG_LAWL]

Originally Posted by zoltans4

You missed the giant dent in the bumper with scrape marks, nothing to do with the taillight and more to do with a bumper cover

If you look at the bottom of the tail light, you'll see a chunk missing

Here is a better angle

[AMG_LAWL]

Ya I have a lot of other things to worry about in life too, but this added onto it, you know what I'm saying? ITs devastating because I take such good care of my car, hand wash it once a week, detail every 3-4 months, etc etccc

[zorrro]

Originally Posted by AlpineV8

This. I have a $1k deductible. It keeps my insurance costs much lower. We have insurance for expensive accidents not fender benders that will only drive your rates up.

Agreed. I always go with 1k deductible and fix minor stuff out-of-pocket. Plus, I'd rather hit my thumb with a hammer then deal with insurance adjusters

[AMG_LAWL]

Originally Posted by zorrro

Agreed. I always go with 1k deductible and fix minor stuff out-of-pocket. Plus, I'd rather hit my thumb with a hammer then deal with insurance adjusters

Ya.. Insurance underwriters are are assholes anyway..

[aus]

Originally Posted by zoltans4

You missed the giant dent in the bumper with scrape marks, nothing to do with the taillight and more to do with a bumper cover

What's your point? The dent in the bumper cover is an easy fix. MAYBE OP won't even need a respray. I had a dent like that on another car taken care of with a respray for $350.

The tail light will need to be replaced if he want's it perfect.

[AlpineV8]

Originally Posted by AMG_LAWL

Can I get that guys number please?

PM'd

[NYC M3]

I got a guy who goes by the name Smith, just give him a name and address and he takes care of the rest. Let me know if you need his #

[SenorFunkyPants]

On the plus side its only a car.

[hlmiii]

Originally Posted by AMG_LAWL

a reasonable answer finally ... I also have insurance because if I hit someone or if they hit me pretty severely, Im covered, not for stuff like a moron who hit my car in the parking lot and didn't have the balls to leave a note (bad karma for him).. If my bumper was angling off my car and my rear quarter was bashed in.. I would definitely use my insurance

And, finally ... a proper answer.

This is just like the answer to health insurance. People want something else to pay for normal life events.

Insurance is there for uncommon, significant losses, NOT for less critical and relatively foreseeable activities. Savings and money management are for the latter, added to patience and a tolerance for "life is less than perfect."

Expecting insurance to cover occurrences that are unfortunate and maddening, but manageable drives rates up for everyone. Do we really think that only paying $20.00 for 30 minutes of medical service is realistic? "Underwriters are all assholes" ... like all of us they're in the business to make money. They have to make their bottom line. (I am not defending their most despicable behavior).

Sh&t comes with life. This bumper damage is really crappy and hurts.
Pay for it, leave the deductible @ $1,000 or more. Save the reduced premium for better use.

Whew. Rant OFF.

[leemik]

http://f30.bimmerpost.com/forums/sho...d.php?t=538407