gtr886

The unthinkable happened to me this morning. Some stupid mother fuxcker keyed my car!!!!!! They keyed my whole left side of the body in total of 5 feet long.

I just couldn't help if i should report this to the police and claim insurance or just pay for the paint job out of my own pocket. Any of you have past experience? If i file a claim, will my insurance sky rock next year?

willc55

I feel for you man, I think I would cry if that happened to me.

In terms of insurance etc, I know that in New York (where I live), the police would be able to do a report for Criminal Mischief, and its possible that if you filed the claim through insurance they would need a report number to process the claim. In terms of whether your rates would go up, the answer is almost certainly yes, because any time you make a claim your rates go up, as virtually all insurance companies give substantial "no claims" discounts.

Basically what I would suggest is contacting your insurance company, pose them the hypothetical situation and see how much your rates would increase then compare that to how much it would cost to repair out of pocket.

Crappy situation though bro, sorry to hear it.

gtr886

I went to a paint shop after work today they quoted me in total of 1400 for the paint job. my comprehensive deductible is 500 bucks.

BIGjohnny

Got keyed last year. Called the insurance and report it as vandalism. Damaged was over 2200 dollars but only paid deductibles. I know how you feel and i was extremely upset.

Those who destroy other people's property are nothing but a coward.

gtr886

is it worth it to file a claim report or just pay out of my own pocket?

c32used

I doubt Comprehension will increase your premium at all a long while back I went to see a flick and once out I noticed what seemed like white thin lines on the door I was opening well needless to say it was keyed gang signs on over 98% of the body...I reported to local cops and insurance covered it...I only paid detuctible of $250 then and Insurance rates didn't change...go the claim way.

viper501

^ +1

moosejaw

+2

you may be get a better paint job out of it than the crappy MB one

Code3 Performance

Sorry to hear of the issue!~ I know how it is.

Words of advice -- 2 way alarm & Louisville Slugger Lolol jk

cnchung

Recalled my memory. My first bimmer got keyed whole left side just the first month.

kinghais

sorry man, the day it happened to me i was looking to find that person to beatim up .
I called insurance and they fix it in a month and my insurance went up after 6 but just $20 more.

gtr886

Damn!!! the total Paint job is $2700!!!!! Called insurance and they are willing to pay for the damage under comprehensive cover.

I hate haters!!!!

gtr886

Is this your first time for the claim? For them to pay 2.7k for the coverage, i'm thinking they will charge me back sooner or later.

kinghais

I'm sure they will cover it (unless u don't have full coverage) but i'm not sure if u have to pay anything becuase u don't have police report .

turbo16lbs

I have had the same done to my c32 a few months ago. It's funny how thin the line of insanity borderlines obsession. It's just like love, for my car I am really able to drive a 9-iron through someones skull if I ever knew who did it to me.

S500 Man

dont worry, my car got keyed 2 weeks ago because of my ex girl..........its the second time its happened to me this year....last time it was the opposite side....i filed a police report....called insurance and took it to the body shop....paid my 500 deductible.....the insurance premium will not go up, cause your not at fault.............trust me my insurance hasnt gone up and its happened to me twice, 6k worth of paint went into my car.

hooleyboy

Key the whole damn thing. That why the whole car gets painted.

redfarsi

Do you know who did it?

gtr886

No, i don't know who did it. If i see anyone who keys my car, i will kill him on the spot.

I wish i had this installed!!!!
http://www.liveleak.com/view?i=3f9_1221617518

redfarsi

did you park your car in an unusual spot?