Go Back   AudiWorld Forums > Audi Models > Audi Q3 /Q5 / Q7 > Q5/SQ5 Discussion
Sign in using an external account
Register Forgot Password?


Q5/SQ5 Discussion Discussion forum for the Audi Q5 SUV
Sponsored by: Audi

Reply
 
 
 
 
LinkBack Thread Tools Search this Thread Display Modes
Old 05-01-2014, 07:41 PM   #1
Audiworld Junior Member
Account #: 238116
 
Join Date: Jun 2012
Posts: 47
Default Q5 got clipped - hit and run

My mom is overseas for a month, so I decide to drive her car a little bit since I miss being in a tall car. Drove it 4/29 and woke up this morning to find a huge scrape on bumper and fender. Down to the primer and its not been more than 6 months since those same parts were replaced when my sister drove into a support column. Narrowed it down to school parking lot, couldn't have been hit anywhere else. There is a camera facing the lot so hopefully I'll find the spineless piece of trash that did this.


In the meantime I'm curious to know what this will cost to fix, I'm expecting a full repaint of both panels at the very least, 1k+? How about insurance? We are on State Farm and I believe we have one free deductible to use, but will rates go up on an accident I can't prove wasn't our fault?

My mom may very well cheap out and vote against repair but I'm concerned about corrosion on the fender now that the paint job is compromised. I'm sitting here wishing I had one of those security cams, and I'm probably going to spend tomorrow at school looking for white cars with blue scrapes.
Attached Images
File Type: jpg IMAG1903.jpg (19.0 KB, 370 views)
File Type: jpg IMAG1908.jpg (20.7 KB, 361 views)
__________________
2008 BMW 335i Coupe Sport- Alpine White/Coral Red, 2010 Q5 3.2 Prem Plus- Deep Sea Blue/Cinnamon
drunkenup is offline   Reply With Quote
Old 05-01-2014, 09:02 PM   #2
AudiWorld Super User
Account #: 22753
 
snagitseven's Avatar
 
Join Date: Jul 2001
Location: SE MA
Posts: 7,658
Default

Typically, if your mom has a "free" pass on the deductible, there's usually a single "accident forgiveness" feature which would preclude a rate increase. Check with her insurance agent. From the photos I'll hazard a wild guess you're looking at around $1500-$2500 if the fender is also damaged; if only the bumper cover, it would be around $500-$600. Only way to know for sure is to get estimates from two or three body shops.
__________________

- 2013 A6 3.0T Prestige, Quartz Gray/Black, 19" Sport, Driver Assist, LED headlights,Cold Weather and B&O;
Bridgestone RE970AS tires; XPel Ultimate full front, mirrors and rocker panels, Opti-coat Pro
- 2002 allroad 2.7t - 13y/50K mi and still like new
- 2009 A4 3.2 Prestige w/Nav (sold at 4y/48K mi)
- 2001 A6 2.7t (sold at 8y/98K mi)
snagitseven is offline   Reply With Quote
Old 05-03-2014, 03:05 PM   #3
Audiworld Junior Member
Account #: 238116
 
Join Date: Jun 2012
Posts: 47
Default

Quote:
Originally Posted by snagitseven View Post
Typically, if your mom has a "free" pass on the deductible, there's usually a single "accident forgiveness" feature which would preclude a rate increase. Check with her insurance agent. From the photos I'll hazard a wild guess you're looking at around $1500-$2500 if the fender is also damaged; if only the bumper cover, it would be around $500-$600. Only way to know for sure is to get estimates from two or three body shops.
Okay, a body shop we've used before told me around $2000. Checked the policy which is actually all state and we do happen to accident forgiveness... now I wonder what I should once and if I find out who did it. Luckily the school has saved security footage.
__________________
2008 BMW 335i Coupe Sport- Alpine White/Coral Red, 2010 Q5 3.2 Prem Plus- Deep Sea Blue/Cinnamon

Last edited by drunkenup; 05-03-2014 at 03:12 PM.
drunkenup is offline   Reply With Quote
Old 05-03-2014, 04:27 PM   #4
AudiWorld Newcomer
Account #: 276356
 
Barry45RPM's Avatar
 
Join Date: Feb 2014
Posts: 5
Default

If the car was parked and unattended, there is no one to blame and thus no punishment to your rates.
Barry45RPM is offline   Reply With Quote
Old 05-03-2014, 07:18 PM   #5
AudiWorld Member
Account #: 271985
 
Redd's Avatar
 
Join Date: Nov 2013
Location: 2014 Q5
Posts: 546
Default

Insurance companies are like casinos: They're in business to make money, every time.

Odds are that they will find a way to remove a 10% discount, or add a 10% surcharge, or use up that "get out of jail" forgiveness card, however they do it. And that surcharge or loss of discount usually continues for four years.

If the accident six months ago was reported? For sure, two in six months will bring an increase. That's just the way it works.

You might or might not get any slack because it was a hit and run, and not your fault. But for many insurers, a claim and a loss is a claim and a loss and it comes back to bite you. Unless you can find the other guy on the security camera. You could also try asking and posting around, someone might have seen it.
__________________
It followed me home. That's my story and I'm sticking to it.
Redd is offline   Reply With Quote
Old 05-04-2014, 06:17 AM   #6
Audiworld Junior Member
Account #: 279745
 
Join Date: Mar 2014
Posts: 62
Default

We use Nationwide and we had two accidents without a rate increase. One we hit a deer and it totaled the car and the other we were hit by a drunk driver. Their insurance paid for that wreck.

Our house was also hit by a tornado and they actually went down in price the next year. Go figure.

My point being that not all insurance company's are bad.

If you can find out who did it and they have insurance you should be able to get them to fix it and you won't have to pay a deductible.
__________________
2014 Audi SQ5
Ice Silver Metallic - Black with Brushed Aluminum Interior
Premium Plus with MMI Navigation, side assist, Nappa leather, Bang & Olufsen sound system, and the rear thorax side airbags
ColdBrew is offline   Reply With Quote
Old 05-04-2014, 10:04 AM   #7
AudiWorld Member
Account #: 271985
 
Redd's Avatar
 
Join Date: Nov 2013
Location: 2014 Q5
Posts: 546
Default

The deer, the tornado, those count as "acts of God" so they're not held against you. The drunk driver is a 100% liable party, so agin, not held against you.

Not that all insurers are bad--but they are all in business for their own profit, not the customers'. And almost all of them play games, almost all of the time, trying to duck out of payments. Some charge literally 3x more than others, without giving anything back in return. One way or another, they are in business for a profit and while some are way better than others, it still pays to remember this is a zero-sum game, and they want it all.
__________________
It followed me home. That's my story and I'm sticking to it.
Redd is offline   Reply With Quote
Old 05-04-2014, 10:44 AM   #8
AudiWorld Senior Member
Account #: 247171
 
Join Date: Nov 2012
Location: Illinois
Posts: 765
Default

Quote:
Originally Posted by Redd View Post
The deer, the tornado, those count as "acts of God" so they're not held against you. The drunk driver is a 100% liable party, so agin, not held against you.

Not that all insurers are bad--but they are all in business for their own profit, not the customers'. And almost all of them play games, almost all of the time, trying to duck out of payments. Some charge literally 3x more than others, without giving anything back in return. One way or another, they are in business for a profit and while some are way better than others, it still pays to remember this is a zero-sum game, and they want it all.
There was an article in today's paper on some things that insurers are doing to raise rates/profits. One of them is thru data mining they can identify customers who are less likely to shop around for lower rates, and you guessed it, their rates are raised knowing that the odds are good those customers won't shop around and go elsewhere. No specific insurers were named, just that it is a practice by some.
__________________
2013 Q5 2.0t, Cuvee Silver/Black, Pano, 19", MMI/Nav, B&O, Advanced Key, 3M Crystalline.
2014 BMW 3281 X Drive, White Metallic/Tan, Nav, 3M Crystalline etc.
Q5 Bob is online now   Reply With Quote
Old 05-04-2014, 11:58 AM   #9
Audiworld Junior Member
Account #: 273435
 
Join Date: Dec 2013
Location: SF, CA
Posts: 96
Default

Quote:
Originally Posted by Q5 Bob View Post
There was an article in today's paper on some things that insurers are doing to raise rates/profits. One of them is thru data mining they can identify customers who are less likely to shop around for lower rates, and you guessed it, their rates are raised knowing that the odds are good those customers won't shop around and go elsewhere. No specific insurers were named, just that it is a practice by some.
Yes, they do, but it works more than one way. When I got the Q5 I got a quote from my insurance company, then got one online from Progressive. I was still looking around when a week later my insurance agent called and offered me a better quote. Coincidence? I think Progressive sells the info they collect from quotes online, and my insurance company buys it and uses it to identify opportunities.
__________________
2014 Audi Q5 2.0 TFSI
Xenonista is offline   Reply With Quote
Old 05-04-2014, 12:59 PM   #10
AudiWorld Member
Account #: 271985
 
Redd's Avatar
 
Join Date: Nov 2013
Location: 2014 Q5
Posts: 546
Default

" When I got the Q5 I got a quote ...a week later my insurance agent called and offered me a better quote. Coincidence?"

An agent works for an insurance company. A broker is an independent guy who can sell many lines of insurance. It would be odd if an AGENT could give you a revised quote without changing carriers or terms.

But a smart BROKER would be doing the same thing that insurance companies do, keeping track of the demographics of his customers, and making them new offers if those demographics changed.

For instance, if you turn 26, or 50, or some other magic age, you may qualify for lower rates than you did in the previous year--but you may have to ask for them. When you hit 50, you may qualify for a rate reduction based on the mileage you drive, but if you didn't know that, you might not bother checking to see if you should put down a different number than last year's.

If your last car was a McLaren and your new one is a Q5...(G)...sure, a smart agent ought to be calling you to offer you a different carrier, different policy, different price. I don't think many of them are that aggressive or smart about marketing though. Yet.

Of course if Progressive can't sell you a policy, it would make sense to sell the fact that you're shopping. Like everyone else, sometimes they are just not a good deal.

When AIG first came into the US auto insurance market, their rates were about 10% below anyone else. And about six months later, they petitioned for increases, and got them, because they underestimated losses. (Ahuh, sure.)Then they became 10% more expensive than the guys they had been undercutting. Funny coincidence, that. The world's sharpest pencils, and they claimed they couldn't figure out the math.
__________________
It followed me home. That's my story and I'm sticking to it.
Redd is offline   Reply With Quote
Old 05-04-2014, 12:59 PM
AudiWorld
Audi R8




Paid Advertisement
 
 
 
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On



Join AudiWorld

All times are GMT -8. The time now is 08:12 PM.


Copyright 2014 AudiWorld.com Audi Enthusiast Community