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The Water Cooler
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Question for you insurance folks
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<blockquote data-quote="Zaphod Beeblebrox" data-source="post: 2739053" data-attributes="member: 4606"><p>They don't owe you for damage that wasn't caused by hail. If they can separate the damage (hail vs. other stuff), they will probably try to only pay for the hail. Generally, hail damage doesn't require complete panel replacement, but I have seen some cars so damaged by baseball sized hail, PDR wasn't an option.</p><p></p><p>Will they try to say they don't owe you anything because the panel was already ruined? They might. Or, they may try to depreciate the value of the panel. I don't know how chintzy Geico is when it comes to that. I worked in insurance about 10 years ago, and I remember Geico requiring a higher percentage of damage to a vehicle before "totalling" it than just about everybody. Of course, that may have changed.</p></blockquote><p></p>
[QUOTE="Zaphod Beeblebrox, post: 2739053, member: 4606"] They don't owe you for damage that wasn't caused by hail. If they can separate the damage (hail vs. other stuff), they will probably try to only pay for the hail. Generally, hail damage doesn't require complete panel replacement, but I have seen some cars so damaged by baseball sized hail, PDR wasn't an option. Will they try to say they don't owe you anything because the panel was already ruined? They might. Or, they may try to depreciate the value of the panel. I don't know how chintzy Geico is when it comes to that. I worked in insurance about 10 years ago, and I remember Geico requiring a higher percentage of damage to a vehicle before "totalling" it than just about everybody. Of course, that may have changed. [/QUOTE]
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