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Hail damage on the Accord #4716578
04/04/18 08:24 PM
04/04/18 08:24 PM
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
aquariuscsm Offline OP
aquariuscsm  Offline OP
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
We had a really bad hail storm March 18th. Having no garage,I keep both my cars covered with those el cheapo Budge Lite car covers. Both covers ended up with tiny pinholes all over them. I've had the Accord under the cover until today,to wash the pollen off it. The hood is covered with tiny paint chips,but no dents. There's a few chips on the roof and trunk,and also a few on the driver's side door from the hail blowing at an angle. The 300ZX suffered no paint damage whatsoever,that car is built like a tank! Our hail was pea sized,and I even saved a little pile of it in my freezer.

The car is still under lien from the credit union (2% interest loan).

What's the best course of action? Have my insurance company come look at it,and then decide if I want to make a claim or not? Do I need to contact the lien holder at all?


1996 Nissan 300ZX 5-speed,Arctic Pearl(#175 of 300)
Quaker State Ultimate Durability 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Quaker State Ultimate Durability 5W20

Re: Hail damage on the Accord [Re: aquariuscsm] #4716581
04/04/18 08:28 PM
04/04/18 08:28 PM
Joined: Nov 2008
Posts: 9,130
Phoenix
dishdude Offline
dishdude  Offline
Joined: Nov 2008
Posts: 9,130
Phoenix
Sheesh, that sucks. Look on the bright side - it matches the rest of the cars in Texas...

Lien holder doesn't matter, just decide if it's worth having a claim on your insurance. It's comp and an act of God so shouldn't impact your rates at all.


2018 Challenger SRT
Re: Hail damage on the Accord [Re: aquariuscsm] #4716583
04/04/18 08:33 PM
04/04/18 08:33 PM
Joined: Sep 2012
Posts: 28
Iowa
biggusblockus Offline
biggusblockus  Offline
Joined: Sep 2012
Posts: 28
Iowa
I've been in the insurance and collision repair industry for 30 years. And seen hail of all sizes and the damage it does to sheet metal, aluminum, fiberglass, convertible tops, RVs, you name it.

Hail will not chip paint. You may have chips but they were not from hail.

Re: Hail damage on the Accord [Re: aquariuscsm] #4716588
04/04/18 08:51 PM
04/04/18 08:51 PM
Joined: Feb 2013
Posts: 10,893
Phoenix, AZ
Nick1994 Offline
Nick1994  Offline
Joined: Feb 2013
Posts: 10,893
Phoenix, AZ
File a claim, it's a comprehensive claim, insurance rates should be fine.

You can then pocket the check if you're ok with the damage or get it fixed.


2015 Hyundai Sonata 2.4L 86k Mobil 1 AFE 0w30 & OEM
2000 Toyota Camry 2.2L 230k Valvoline 5w30 & Fram Ultra
1996 Jeep Cherokee 4.0L 147k Mobil 1 HM 10w40 & Fram Ultra
Re: Hail damage on the Accord [Re: dishdude] #4716594
04/04/18 08:57 PM
04/04/18 08:57 PM
Joined: Aug 2004
Posts: 20,043
CA
The Critic Offline
The Critic  Offline
Joined: Aug 2004
Posts: 20,043
CA
Originally Posted By: dishdude
It's comp and an act of God so shouldn't impact your rates at all.


Losses are losses, regardless of fault. The insurer had to pay. Any claim paid has the potential to impact your premium.


2011 Toyota Prius - 173k - Various 0W-20 (Brew)
2007 Honda Accord 2.4 - 131K - Mobil 1 EP HM 5W-30
Re: Hail damage on the Accord [Re: biggusblockus] #4716598
04/04/18 09:02 PM
04/04/18 09:02 PM
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
aquariuscsm Offline OP
aquariuscsm  Offline OP
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
Originally Posted By: biggusblockus
I've been in the insurance and collision repair industry for 30 years. And seen hail of all sizes and the damage it does to sheet metal, aluminum, fiberglass, convertible tops, RVs, you name it.

Hail will not chip paint. You may have chips but they were not from hail.


The paint was flawless until the hail storm. The chips even mimic the pattern of the pinholes on the car cover. They weren't there before the hail storm,because I actually washed and detailed it earlier that day (I had no idea we were expecting a storm). The entire hood is chipped up from the grille all the way to the windshield. I stood outside and watched it come down. All these chips definitely didn't magically appear by themselves. This car has really thin paint. I just took these pictures. Excuse the flash.






1996 Nissan 300ZX 5-speed,Arctic Pearl(#175 of 300)
Quaker State Ultimate Durability 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Quaker State Ultimate Durability 5W20

Re: Hail damage on the Accord [Re: The Critic] #4716599
04/04/18 09:02 PM
04/04/18 09:02 PM
Joined: Sep 2004
Posts: 21,742
Orlando, FL
Mr Nice Offline
Mr Nice  Offline
Joined: Sep 2004
Posts: 21,742
Orlando, FL
Originally Posted By: The Critic
Originally Posted By: dishdude
It's comp and an act of God so shouldn't impact your rates at all.


Losses are losses, regardless of fault. The insurer had to pay. Any claim paid has the potential to impact your premium.


Yep.

Re: Hail damage on the Accord [Re: aquariuscsm] #4716611
04/04/18 09:12 PM
04/04/18 09:12 PM
Joined: Mar 2017
Posts: 5,775
...
PimTac Offline
PimTac  Offline
Joined: Mar 2017
Posts: 5,775
...
It seems like the cover prevent denting but the pressure of the hailstones chipped the paint.


2017 Mazda CX-5 GT.

Valvoline Modern Engine 0w20
Mobil 1 EP 108A
Re: Hail damage on the Accord [Re: aquariuscsm] #4716617
04/04/18 09:15 PM
04/04/18 09:15 PM
Joined: Dec 2013
Posts: 2,293
Fort Worth, Texas
clinebarger Offline
clinebarger  Offline
Joined: Dec 2013
Posts: 2,293
Fort Worth, Texas
Something is wrong with the paint for pea sized hale to damage it, Has the hood been refinished at some point?


2001 Chevy Camaro L92/4L80E
2006 Chevy 2500HD LBZ/Allison 1000
2010 Toyota Corolla 2ZR-FE/Auto
Re: Hail damage on the Accord [Re: clinebarger] #4716621
04/04/18 09:18 PM
04/04/18 09:18 PM
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
aquariuscsm Offline OP
aquariuscsm  Offline OP
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
Originally Posted By: clinebarger
Something is wrong with the paint for pea sized hale to damage it, Has the hood been refinished at some point?


Nope,car is all original,squeaky clean history and Carfax. No signs of any repaint,damage,or refinish. The driver's side door is even chipped from where the hail was blowing in.


1996 Nissan 300ZX 5-speed,Arctic Pearl(#175 of 300)
Quaker State Ultimate Durability 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Quaker State Ultimate Durability 5W20

Re: Hail damage on the Accord [Re: aquariuscsm] #4716624
04/04/18 09:20 PM
04/04/18 09:20 PM
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
aquariuscsm Offline OP
aquariuscsm  Offline OP
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
Here's one of the hailstones.


1996 Nissan 300ZX 5-speed,Arctic Pearl(#175 of 300)
Quaker State Ultimate Durability 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Quaker State Ultimate Durability 5W20

Re: Hail damage on the Accord [Re: aquariuscsm] #4716695
04/04/18 11:06 PM
04/04/18 11:06 PM
Joined: Oct 2014
Posts: 2,433
San Antonio, TX
Nyogtha Offline
Nyogtha  Offline
Joined: Oct 2014
Posts: 2,433
San Antonio, TX
Man that sucks dude! A frugal factory paint job for sure. No harm in investigating insurance options then decide which direction you go. Since it's still under lien it's undoubtedly fully insured.


"No matter how paranoid you are you're not paranoid enough. Tell the truth. Reach as many people as you can with it. That's your weapon." - Susanne Modeski, aka "Holly" to The Lone Gunmen
Re: Hail damage on the Accord [Re: aquariuscsm] #4716702
04/04/18 11:19 PM
04/04/18 11:19 PM
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
aquariuscsm Offline OP
aquariuscsm  Offline OP
Joined: Dec 2006
Posts: 18,842
Dallas,Tx USA
I'd meant to say marble sized stones. There were a few larger ones though,but mostly marble sized.


1996 Nissan 300ZX 5-speed,Arctic Pearl(#175 of 300)
Quaker State Ultimate Durability 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Quaker State Ultimate Durability 5W20

Re: Hail damage on the Accord [Re: aquariuscsm] #4716780
04/05/18 02:56 AM
04/05/18 02:56 AM
Joined: Mar 2011
Posts: 2,198
Indiana
Indydriver Offline
Indydriver  Offline
Joined: Mar 2011
Posts: 2,198
Indiana
A couple years ago, our 2012 Toyota Sienna was parked outside at work during a severe hailstorm. It was covered with hundreds of dents. The dents on the roof were so deep they couldnt do PDR so they had to cut the roof off the car. Remember, this is a minivan, so a huge roof section. They ordered the sheet metal from Toyota and welded it back in, painted it, reattached everything inside and out. Meanwhile, on the hood, tailgate and one side, they subbed out PDR to a specialist. I had nightmares about what this car would look like, rust, fall apart etc.

I went over every inch of that vehicle with a bright light when I picked it up. I could not find a single flaw in any of the repairs. Oh yeah, one of the rear seat belts had not been re-installed properly. The finish was superb. The paint match on the roof was perfect. The hood was showroom smooth at every angle. I was truly amazed at the quality of work. A couple years later, you still cant tell. $7500 worth of work. I thought I would have to trade this vehicle before flaws emerged but none have. Count me truly impressed.


2014 Camaro 2SS/RS LS3 Vert 14,000 M1
2012 Sienna 79,000 M1
2007 Tahoe 140,000 PP

Re: Hail damage on the Accord [Re: aquariuscsm] #4716907
04/05/18 07:46 AM
04/05/18 07:46 AM
Joined: Dec 2014
Posts: 850
pennsylvania, usa
dlayman Offline
dlayman  Offline
Joined: Dec 2014
Posts: 850
pennsylvania, usa
I experienced awful hail damage on my first new car, 1984 Toyota Tercel. Baseball sized hail and stuck on I-70. The whole car was dented, but no paint chips. Paint was better back then. The car had lots of cosmetic issues after three poor repair jobs from a highly recommended shop. It still lasted me for over a decade and 150k miles, but I regularly got snickers from people observing the peeling clear coat and paint overspray. I considered it to be a badge of honor. Others might not feel the same, but PDR didn't even exist then and can work miracles now. That car, even as much as an eyesore as it became,may still be my favorite car that I've owned.

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