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Hail damage #5452702 06/13/20 09:02 AM
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GimmeTorq Offline OP
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Looking for some advise. Vehicle is a 2012 CRV with about 115k miles in good conditions, driven by my son. Vehicle got damaged by hail. No glass was damaged, but hood, roof and some trim pieces have dents. We have not reported the damage to our insurance yet. We were planning to trade it in to buy him a newer used vehicle, now that he graduated college, but obviously its value is now affected.
Not sure what to do now. My son does not mind driving it like that and he will be living in an area prone to hail.
Wondering if we should just put a claim with the insurance and let my son decide if he will keep it, fix it or just take the money and keep driving it as is. Will he be able to find insurance, once the damage is reported? I don't know what are our options if the insurance decides the vehicle is a total loss, due to the age of it.

Last edited by GimmeTorq; 06/13/20 09:05 AM.

2017 Mazda CX-5 Touring AWD 2.5L
2014 Honda CTX700N
2012 Honda CR-V LX 2.4L
2010 Honda Fit 1.5L
2003 Honda Odyssey 3.5L - Traded-in
2002 Nissan Maxima 3.5L - Traded-in
Re: Hail damage [Re: GimmeTorq] #5452718 06/13/20 09:11 AM
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skyactiv Offline
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Being that it's almost 9 model years old and a CR-V, I'd live with the damage. Now if it was something special like a BMW M3, I would have it repaired.


Wife: 15' Audi A4 quattro 6 speed manual
Me: 18' Elantra Sport 6 speed manual
The rude guy that points out reality


Re: Hail damage [Re: GimmeTorq] #5452749 06/13/20 10:01 AM
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doitmyself Offline
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Is Paintless Dent Removal an option? A local PDR wizard near me travels south for weeks at a time to repair hail damage.

Re: Hail damage [Re: GimmeTorq] #5452750 06/13/20 10:03 AM
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supton Online Content
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Have you looked into an estimate for repairs? I wonder if you could get two quotes--one to make it right, the other to make it close enough. Get most of the damage out and it may look like normal wear and tear, and it might not be noticed on trade-in.


2011 Toyota Camry, base, 2.5L/6MT, 206k
2010 Toyota Tundra DC, 4.6L/6AT, 160k
2003 CRV, 2.4L/4AT, 161k
1999 Toyota Camry LE, 2.2L/4AT, 225k
Re: Hail damage [Re: GimmeTorq] #5452758 06/13/20 10:13 AM
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Eddie Offline
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+1 check out Painless dent remover first. ed


2014 CX5 Touring 2.5L :-)
Re: Hail damage [Re: GimmeTorq] #5452783 06/13/20 10:45 AM
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GimmeTorq Offline OP
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So we have not pursued any estimates because I'm not even sure I want to repair it. Even though it is in good mechanical shape, it is an old vehicle and my son does not mind driving it like that. I'm more concerned with what's going to happen with the title of the car once we report the damage to the insurance. If they total it, is my son going to be forced to buy another car, because now the CRV becomes uninsurable do to a "salvage" title? Or is he going to be able to at least get liability insurance and keep driving it?


2017 Mazda CX-5 Touring AWD 2.5L
2014 Honda CTX700N
2012 Honda CR-V LX 2.4L
2010 Honda Fit 1.5L
2003 Honda Odyssey 3.5L - Traded-in
2002 Nissan Maxima 3.5L - Traded-in
Re: Hail damage [Re: GimmeTorq] #5452786 06/13/20 10:49 AM
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2010Civic Offline
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I'd take the insurance money and not fix it. Nothing better than a car you don't have to worry about.


2010 Honda Civic LX
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Re: Hail damage [Re: GimmeTorq] #5452790 06/13/20 10:53 AM
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JMJNet Offline
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Find an owner run body shop (not the big shop that usually work for insurance) and ask them for their opinion and estimate.

They used to dealing with insurance company themselves and see what their experience has been.

This forum members come from different states with different insurance policy and vehicle policy so what is valid in TX may not be exactly the same in IL.


  • 2017 Toyota Sienna
  • 1995 GMC Suburban 6.5L Turbo Diesel


Re: Hail damage [Re: GimmeTorq] #5452818 06/13/20 11:20 AM
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DuckRyder Offline
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in order to answer you questions about the title in particular, we need to know in which state its titles and in which state it was damaged.

Throw some pictures up and you’ll get better guidance...


Robert
  • 2019 Volkswagen Jetta R-Line
  • 1972 F100 Ranger XLT (445FE/C6/9” 3.50 Truetrac)
  • 2002 Ford Ranger XLT 4D Supercab 3.0L
Re: Hail damage [Re: JMJNet] #5452819 06/13/20 11:20 AM
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GimmeTorq Offline OP
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Originally Posted by JMJNet


This forum members come from different states with different insurance policy and vehicle policy so what is valid in TX may not be exactly the same in IL.


Yeah, I just realized that while investigating this. It appears that in IL, for hail damage, we have the option to keep the car and get liability insurance only. Title will be labeled as "salvage" though.


https://www.chicagotribune.com/news...0and,%22RV%22%20for%20rebuilt%20vehicle.


2017 Mazda CX-5 Touring AWD 2.5L
2014 Honda CTX700N
2012 Honda CR-V LX 2.4L
2010 Honda Fit 1.5L
2003 Honda Odyssey 3.5L - Traded-in
2002 Nissan Maxima 3.5L - Traded-in
Re: Hail damage [Re: DuckRyder] #5452823 06/13/20 11:24 AM
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GimmeTorq Offline OP
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Originally Posted by DuckRyder
in order to answer you questions about the title in particular, we need to know in which state its titles and in which state it was damaged.

Throw some pictures up and you’ll get better guidance...


The car is registered in IL, but it was damaged in Nebraska, while he was in school. I don't have any good pics yet. I just know some of the extent of the damage.
He will be moving permanently to Nebraska, so hope the "salvage" title does not become an issue for him, once he goes to register the car there.

Last edited by GimmeTorq; 06/13/20 11:30 AM.

2017 Mazda CX-5 Touring AWD 2.5L
2014 Honda CTX700N
2012 Honda CR-V LX 2.4L
2010 Honda Fit 1.5L
2003 Honda Odyssey 3.5L - Traded-in
2002 Nissan Maxima 3.5L - Traded-in
Re: Hail damage [Re: GimmeTorq] #5452865 06/13/20 12:14 PM
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JohnG Offline
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Quote
Is Paintless Dent Removal an option? A local PDR wizard near me travels south for weeks at a time to repair hail damage.


This if you want to fix it. Last hail storm here, they set up tents at the local Mercedes Dealership and the dent guys worked for a couple weeks!

Insurance companies don't cover this like they do windshield repairs, but they should. Even say it was for a single or some small number of dents. I had a quote for a single dent repair from a body shop and the price was like $1500.00! Dent guy came to my house and did it for $250.00. Insurance would have paid at least $1250.00 after deductible. Also took out a slight wrinkle for free that I didn't even see. These guys are GOOD!

This was on my older Mercedes.

Re: Hail damage [Re: GimmeTorq] #5452868 06/13/20 12:17 PM
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DuckRyder Offline
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I’d be cautious of a 2003 article lot can change.

Insurance pays for PDR every day...


Robert
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  • 2002 Ford Ranger XLT 4D Supercab 3.0L
Re: Hail damage [Re: GimmeTorq] #5452973 06/13/20 03:26 PM
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JMJNet Offline
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IMO, based on your description, I will not even claim any insurance.
At least the car will never get a salvage title and you will probably still get a full insurance if necessary.


  • 2017 Toyota Sienna
  • 1995 GMC Suburban 6.5L Turbo Diesel


Re: Hail damage [Re: GimmeTorq] #5453086 06/13/20 06:06 PM
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DuckRyder Offline
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Well, lets talk this through.

You were going to trade it on a newer car? If it was declared a total loss you’d almost certainly come out better than a trade.

If the insurance company declares it a total you have two basic possible out comes:

  • Paid full value, insurance takes car.
  • Owner retains salvage (Buys it back)


Assuming its possible to owner retain salvage typically the salvage vendor will search recent sales of similar vehicles with similar damage and provide a figure of what the insurance company would expect to recover for the salvage at auction, that becomes the amount that would be deducted form the settlement to retain the salvage or “buy it back” titling may be no big deal, or complicated (or may make it impossible to keep). Usually in a cross state issue (title in IL, vehicle in NE) the most restrictive would apply (IL appears most restrictive in this case at least on the surface).

But lets talk about if its even totaled?

Its worth what $10,000.00 if its well kept and presentable with no significant damage other than the hail?

So its probably got to hit 7500.00 before you worry about a total. 7500.00 is a pretty big hail estimate, as long as there isn’t broken paint or a bunch of large dents (over half dollar) its probably ok.

The pertinent questions are in absence of broken paint how may dents on each panel and how large are the majority? So for instance it the Hood has 31-50 dents and most of them a nickel (dime, nickel, quarter, half dollar) would cover thats one price, add for each one over half dollar... then on to the roof you say 51-75 and a quarter covers the majority, thats one price...

Check all the moulding, Hondas are notorious and moulding aren’t cheap...

You apparently pay for comprehensive coverage, use it if needed.


Robert
  • 2019 Volkswagen Jetta R-Line
  • 1972 F100 Ranger XLT (445FE/C6/9” 3.50 Truetrac)
  • 2002 Ford Ranger XLT 4D Supercab 3.0L
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