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#4716578 - 04/04/18 08:24 PM Hail damage on the Accord
aquariuscsm Offline


Registered: 12/30/06
Posts: 17930
Loc: South Texas,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)
Pennzoil Platinum 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Pennzoil Platinum 0W20



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#4716581 - 04/04/18 08:28 PM Re: Hail damage on the Accord [Re: aquariuscsm]
dishdude Offline


Registered: 11/14/08
Posts: 8510
Loc: 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.
_________________________
2015 Grand Cherokee 3.6 - M1 5w-30 Wix 10010
2017 124 Spider 1.4T - PP Euro 5w-40 Wix 57341

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#4716583 - 04/04/18 08:33 PM Re: Hail damage on the Accord [Re: aquariuscsm]
biggusblockus Offline


Registered: 09/14/12
Posts: 21
Loc: 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.

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#4716588 - 04/04/18 08:51 PM Re: Hail damage on the Accord [Re: aquariuscsm]
Nick1994 Offline


Registered: 02/19/13
Posts: 9830
Loc: 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 76k PU 5w30 & OEM
2000 Toyota Camry 2.2L 227k M1 AFE 0w30 & Wix
1996 Jeep Cherokee 4.0L 145k M1 HM 10w40 & Fram Ultra

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#4716594 - 04/04/18 08:57 PM Re: Hail damage on the Accord [Re: dishdude]
The Critic Offline


Registered: 08/30/04
Posts: 19628
Loc: 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 - 166k - ACDelco 0W-20
2007 Honda Accord 2.4 - 126K - Idemitsu 5W-20

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#4716598 - 04/04/18 09:02 PM Re: Hail damage on the Accord [Re: biggusblockus]
aquariuscsm Offline


Registered: 12/30/06
Posts: 17930
Loc: South Texas,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)
Pennzoil Platinum 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Pennzoil Platinum 0W20



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#4716599 - 04/04/18 09:02 PM Re: Hail damage on the Accord [Re: The Critic]
Mr Nice Offline


Registered: 09/12/04
Posts: 20915
Loc: 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.

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#4716611 - 04/04/18 09:12 PM Re: Hail damage on the Accord [Re: aquariuscsm]
PimTac Offline


Registered: 03/04/17
Posts: 3475
Loc: Soviet State of Washington
It seems like the cover prevent denting but the pressure of the hailstones chipped the paint.
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2017 Mazda CX-5 Grand Touring

Valvoline Advanced Synthetic 0w20
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#4716617 - 04/04/18 09:15 PM Re: Hail damage on the Accord [Re: aquariuscsm]
clinebarger Offline


Registered: 12/19/13
Posts: 1755
Loc: 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
2007 Chevy Cobalt SS LSJ/F35
2010 Toyota Corolla 2ZR-FE/Auto

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#4716621 - 04/04/18 09:18 PM Re: Hail damage on the Accord [Re: clinebarger]
aquariuscsm Offline


Registered: 12/30/06
Posts: 17930
Loc: South Texas,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)
Pennzoil Platinum 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Pennzoil Platinum 0W20



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#4716624 - 04/04/18 09:20 PM Re: Hail damage on the Accord [Re: aquariuscsm]
aquariuscsm Offline


Registered: 12/30/06
Posts: 17930
Loc: South Texas,USA
Here's one of the hailstones.
_________________________
1996 Nissan 300ZX 5-speed,Arctic Pearl(#175 of 300)
Pennzoil Platinum 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Pennzoil Platinum 0W20



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#4716695 - 04/04/18 11:06 PM Re: Hail damage on the Accord [Re: aquariuscsm]
Nyogtha Offline


Registered: 10/13/14
Posts: 2156
Loc: 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.
_________________________
"He who does not value the teacher, Or greatly care for the material, Is greatly deluded although he may be learned." - Lao-Tzu

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#4716702 - 04/04/18 11:19 PM Re: Hail damage on the Accord [Re: aquariuscsm]
aquariuscsm Offline


Registered: 12/30/06
Posts: 17930
Loc: South Texas,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)
Pennzoil Platinum 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Pennzoil Platinum 0W20



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#4716780 - 04/05/18 02:56 AM Re: Hail damage on the Accord [Re: aquariuscsm]
Indydriver Offline


Registered: 03/20/11
Posts: 2122
Loc: 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 couldnít 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 canít tell. $7500 worth of work. I thought I would have to trade this vehicle before flaws emerged but none have. Count me truly impressed.
_________________________
2017 Mazda CX3 1000 FF
2014 Camaro 2SS/RS LS3 Vert 13,000 M1
2012 Sienna 75,000 M1
2011 Accord VCMV6 75,000 M1
2007 Tahoe 130,000 M1 HM


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#4716907 - 04/05/18 07:46 AM Re: Hail damage on the Accord [Re: aquariuscsm]
dlayman Offline


Registered: 12/21/14
Posts: 850
Loc: 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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