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Old 11-05-2013, 06:49 AM   #18
Cloudsurfer
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Join Date: Jan 2007
Location: Depends on the day of the week....
Posts: 1,400
First off, if you can avoid it, do not get your own company involved, as then it shows as a claim on your loss record (regardless of who winds up actually paying for what).

Second, you should always make a claim for diminished value. How hard you have to fight for that will vary, of course. The last one I had, which involved a hotel valet, I had to sue the hotel for damages because their bottom of the barrel insurance company wanted to repair the car with used and/or "reconditioned" parts and offered me $100 for diminished value. Of course, it certainly helped when they didn't even show up for court so I won in 5 minutes LOL

As to your car, I doubt you have any suspension damage, though it's going to be a bit of a messy repair to pull that quarter out, and it will leave the car with a lessened value (since it wasn't just a bumper, for instance).
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