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Q5 got clipped - hit and run

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Old 05-01-2014, 06:41 PM   #1
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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.
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Old 05-01-2014, 08:02 PM   #2
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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.
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Old 05-03-2014, 02:05 PM   #3
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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.
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Old 05-03-2014, 03:27 PM   #4
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If the car was parked and unattended, there is no one to blame and thus no punishment to your rates.
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Old 05-03-2014, 06:18 PM   #5
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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.
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Old 05-04-2014, 05:17 AM   #6
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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.
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Old 05-04-2014, 09:04 AM   #7
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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.
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Old 05-04-2014, 09:44 AM   #8
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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.
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Old 05-04-2014, 10:58 AM   #9
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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.
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Old 05-04-2014, 11:59 AM   #10
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" 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.
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Old 05-04-2014, 12:37 PM   #11
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It would be odd if an AGENT could give you a revised quote without changing carriers or terms.
Not if the HQ sends them a daily list of potential opportunities and approved discount categories, consolidation options, targeted marketing collateral, or other promotional tools.
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Old 05-04-2014, 01:14 PM   #12
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Not if the HQ sends them a daily list of potential opportunities and approved discount categories, consolidation options, targeted marketing collateral, or other promotional tools.
I noticed on my State Farm coverage, the Q5 is listed as a "Sport Wagon". I wonder if the rates would be lower if it was correctly described as a CUV or SUV?

I'll be checking with my agent to see if a change would effect my rates.

Anyone have any experience with something like this?
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Old 05-05-2014, 02:23 PM   #13
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I noticed on my State Farm coverage, the Q5 is listed as a "Sport Wagon". I wonder if the rates would be lower if it was correctly described as a CUV or SUV?

I'll be checking with my agent to see if a change would effect my rates.

Anyone have any experience with something like this?
Because of ride height, so push for the lowest premium, Sport Wagon, SUV, Truck.

Oh, the Q5 also rides like a light truck.....
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Old 05-05-2014, 02:30 PM   #14
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"the Q5 is listed as a "Sport Wagon". "
Insurers have their own way of describing things. Odds are you're not going to change them. For instance, a Toyota Matrix is a "Corolla Suburban" meaning, Corolla Wagon on my friend's registration. A "two door sedan" means a coupe with a B pillar, since sedans always have four doors. A pickup truck with four doors and a glass window becomes a "car" not a truck, because it has seat belts for all the seats, and that window. And if you're driving one that was made in a truck plant, to DOT truck standards, it still gets registered as a car--not a truck--in most states. Although some may call it a "combination" which is another whole category still.

If you've got a turbocharged engine, I'll bet that makes your vehicle a "sport" the same way that any five-speed stick used to make a car into a "sports" model, at a higher price.

That's just the way things have been done. State, fed, insurer, manufacturer, all have blissfully ignored blatant conflicts and used their own definitions since at least the 1950's.
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Old 05-06-2014, 09:25 AM   #15
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My 2014 q5 is cheaper to insure than my 2006 A3
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Old 05-06-2014, 10:24 AM   #16
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That should at least partly be reflecting the newer cars' (A3 as well as Q5) higher safety ratings. The 2006 A3 got two "Acceptable" ratings, versus all "Good" (which is better) for the newer models. And some safety scores that apply now, didn't exist then. Insurance rates will go down as collision repair costs go down, theft rates go down, safety ratings go up, many things.

I was pleasantly shocked that my Q5 didn't cost much more than my old car at all. Presumably because of all the new safety features. The third rear seat belt should account for part of the increase, since you also pay more per seat in the car.
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Old 05-06-2014, 10:52 AM   #17
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When was the last time you saw an Audi in an accident? Look at the buyer demographic; it's old enough to understand every lucky streak eventually comes to an end, and driving is as much about getting from point A to B as many times as possible without an accident as it is to get there quickly. The second, even for drivers who have no clue about such things, is the absence of macpherson struts and wishbone suspension. Body roll doesn't imply massive loss of traction, so when sh*t happens and they panic steer the car goes where they point it, not all over the road and into a barrier.

Now, BMW and Nissan drivers on the other hand...
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Old 05-06-2014, 10:59 AM   #18
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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.
From my experience, Allstate will remove an accident-free discount from your account, thus raising the amount you'll be paying. So your effective rates go up even though your base premium doesn't change (which is how they weasel their way out of agreeing that your rate's gone up).

I never saw an "accident-free" discount listed on my account, but after we had to make a claim because of a hit-and-run on my wife's car while we were away on vacation, our total payments went up by a decent bit. It's one thing if it's a listed discount on the policy as then you know you have it or don't, but it's pretty sleazy to not have something listed and then claim it was there and now isn't and "no your rates didn't go up", especially when you weren't at fault.
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Old 05-06-2014, 05:47 PM   #19
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***UPDATE***
School camera's face a pair of doors away from the lot so no view of the hit and run. But guess what? Parked up next to a car with scratches that literally fit like a puzzle. I confronted the owner who promptly denied it was her and made up some bull**** story that I have no way to disprove. Local PD said today they won't help because I'm filing the report too late.

I know the other driver's parents, however. Does it seem appropriate to contact them? I'm giving it hard thought. Anyways, here is the other car, contact is on the other vehicle's passenger rear quarter and door. Notice how that strip on the other door matches a fine scratch on my car just next to the fog light.
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Old 05-06-2014, 06:47 PM   #20
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Well, it isn't all just Hollywood Fantasy. Paint transfers can be analyzed, the local PD can be "encouraged" to take part, and every paint out there is specific to one maker and sometimes one model. So with paint transfers on both cars...there's room for objective comparison.

It might be worth asking the parents, diplomatically, if they know anything about this. And if your parents are out of town, finding someone else who is a bit older to speak to the local PD. If they should express interest in the paint transfers as evidence of a hit and run, then a fast repair of the other car could be construed as destroying evidence.

But first, see who you can speak to, and who can speak to the parents.
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Old 05-06-2014, 06:47 PM
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