I hit a deer!!

[jpl2407]

Driving home last night, could not avoid the big buck that decided to run out into the road, I had a quote of $1300 to repair the damage, which looks pretty light, its pretty much just the headlioght.....do you see anything here that would warrant a $1300 insurance claim as opposed to just replacing the headlight myself??







Regards,

Jake

[MARTHA]

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I'm no insurance person but if the repairs are $1300 you will probably have to pay your deductible, lets say $500, and the insurance will pay the remaining $800.
I would accept the cash from the insurance company and use that money to make the repairs yourself. You wouldn't have to pay anything out of pocket.
The one problem with repairing it yourself is that if you have damage to that same area in the future the insurance company will not pay to have the same area repaired twice unless it has been repaired by a shop, or.... Some insurance companies allow you to bring the repair by their office to document the repairs.

[fanguy]

Your on the top of the list for lucky person of 2016. If you didn't for G&G's take it to the dealer and get an Est.

Some Ins Co now send the check to the body shop.

[BFeller]

The gap is wrong between the fender and hood. I would aslo suspect that the gap is worng at the fender and door. Based on the gap - i expect a damaged fender to the cause. I would also look at the hood gap on the drivers side and alignment of hood to windshield. Just to ensure the hood was not damaged.

[jpl2407]

Originally Posted by BFeller

The gap is wrong between the fender and hood. I would aslo suspect that the gap is worng at the fender and door. Based on the gap - i expect a damaged fender to the cause. I would also look at the hood gap on the drivers side and alignment of hood to windshield. Just to ensure the hood was not damaged.

additional pics, the assessor was under the impression that the fender gap on the passenger side was due to the fact that the headlight assembly had been pushed under and it may have been exerting pressure on the fender and that it should pop, or realign once the headlight was out.

door to fender:





fender to windshield




hood to bumper


inside fender


and my deductible is $100

[Anker]

Have the insurance company take care of it and make sure a really good body shop does the work. They almost always find damage that isn't visible and deal with the insurance company to have it done.

Anker

[78F350]

Originally Posted by Anker

Have the insurance company take care of it and make sure a really good body shop does the work. They almost always find damage that isn't visible and deal with the insurance company to have it done.

Anker

+1
I expect that the mounting plate for the headlight is cracked. It's not rocket science to replace, but can be a pain to get it all properly adjusted.

[mfm22]

You are lucky indeed , I've seen cars totaled & people maimed / killed by direct Deer hits

Boxster front ends are like "Cow Catchers " on the old trains .

No doubt go to nearest Porsche dealer and get an estimate - this is when the "porsche " price works in your favor

Then get a few lottery tickets , Nice adult beverage of your choice maybe a good cigar & enjoy you good fate

[rexcramer]

Glad to hear you are okay. My niece hit a deer in Utah and it totaled her car.

[husker boxster]

You left out the money shot - the entire hood / fender gap on the passenger side.

Don't get excited to submit to your ins if it's something you can fix yourself. Even tho you only have $100 deduc, you'll still have a claim on your record. Be sure it's worth having before submitting.

[jsceash]

I feel your pain on Saturday one ran into the side of my truck. Bent the door B pillar and front edge of the bed. It landed in the bed jumped up hopped out of the bed and hobbled off. My wife and I looked but could not find it. $3200 damage.

[PaulE]

You need two new headlights, having one new light and one old light with burn marks on the inner lens won't be symmetrical! Seriously, glad you are ok and damage isn't worse. There are lots of plastic bits under the bumper cover that the cover slides into or otherwise attach the cover. Some of those could be cracked or broken, it would be worth pulling the bumper cover off to have a look!

[steved0x]

To me the hood/fender gap is bigger on the side where the impact happened. Glad you are ok.

[Anker]

Remember that if you ever sell the car the only ethical thing is to disclose that you had this accident. And if you don't have a body shop do the repair you also need to disclose that. I can tell you that I would never buy a car that had been in an accident and hadn't been checked and repaired professionally.

I have had accidents where there was next to no visible outside damage, but required thousands of dollars of repair.

Just food for thought/Anker

[jpl2407]

its already booked it for repair.

[geraintthomas]

Why?

Why are you booking it in for repair when you can just buy a headlight on Ebay and be done with it? You're going to pay through the neck to get that done, then it'll be recorded as a claim.

If you just buy another headlight and replace it, that's it. I don't understand why you're going through the insurance?

The headlight doesn't sit where it should - it's probably just the headlight. Buy another, change it, job done.

[jsceash]

Originally Posted by geraintthomas

Why?

Why are you booking it in for repair when you can just buy a headlight on Ebay and be done with it? You're going to pay through the neck to get that done, then it'll be recorded as a claim.

If you just buy another headlight and replace it, that's it. I don't understand why you're going through the insurance?

The headlight doesn't sit where it should - it's probably just the headlight. Buy another, change it, job done.

Not sure about other states but in PA this is a comprehensive claim with a lower deductible base on your policy and it has no effect on your insurance record. My truck is $3200 in repairs and out of pocket is $100

[Basilman]

[To morrow, a Boxster (2003 2.7 litre) I have found, 69,000 log book kms, heaps of paper work, goes in to a reputable Porsche mechanic for an assessment as to, "Am I buying something for $22,500 Australian Dollars good value for money".
Looks as new as when it came off the show room floor, but me being a person who does not know which end of a screw driver to hold, needs
professional help. I have spent 2 days researching all avenues, forums etc and just about everyone who owns a Boxster appears to be well satisfied. I am aware of the IMS Shaft Bearing and if the car passes,
then that will be replaced at a cost of $A4,800 with a new idea approved by Porsche and is given a life time warranty?????????? Any constructive criticism would be appreciated.

[geraintthomas]

Originally Posted by jsceash

Not sure about other states but in PA this is a comprehensive claim with a lower deductible base on your policy and it has no effect on your insurance record. My truck is $3200 in repairs and out of pocket is $100

That's mental.

I'm in the UK, and we have a No Claims Bonus scheme. The more years you don't claim, the lower your insurance will be. Claim and you only have to pay your excess (mine is £200), but you loose your NCB, so your insurance will go up, even if it isn't your fault.

[jb92563]

Originally Posted by jsceash

Not sure about other states but in PA this is a comprehensive claim with a lower deductible base on your policy and it has no effect on your insurance record. My truck is $3200 in repairs and out of pocket is $100

I think what folk meant about the issue of having a claim, it that your Boxster will have a collision on its record and a corresponding reduction in resale value.

It will just show up as front end damage and any prospective buyer will look elsewhere or want a deep discount for a "Crashed" boxster.

Just something to consider if you think its something you can fix yourself.