animal ran into our chr - Page 2 - Toyota C-HR Forum
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post #11 of 18 (permalink) Old 01-05-2020, 01:08 PM
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Garage
Some places require comprehensive/full coverage when it involves a new vehicle loan.

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post #12 of 18 (permalink) Old 01-05-2020, 03:50 PM Thread Starter
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Originally Posted by RoLleRKoaSTeR View Post
Some places require comprehensive/full coverage when it involves a new vehicle loan.
all places require that .
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post #13 of 18 (permalink) Old 01-05-2020, 03:51 PM Thread Starter
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Why are you carrying a $1000 deductible on comprehensive coverage instead of something way lower? I can understand collision but comprehensive?
mine is 500
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post #14 of 18 (permalink) Old 01-05-2020, 06:17 PM
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I get that. I have comprehensive too. But not at a $1000 deductible. I don't think you're getting that much of a savings having the deductible that high. Comprehensive claims are not at fault coverage for things such as theft, hail, and animal strikes. Any claims under comprehensive shouldn't affect your premiums all that much if at all.

That's why I said if you carried a $1000 deductible for collision...that I can understand depending on your driving/accident record, claims history, and where you primarily drive.

For my comprehensive coverage, I have a $100 deductible. My collision is $500. I bet if you contact your agent about lowering your deductible for comprehensive coverage, you'll find it's not going to be that much of an increase.

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post #15 of 18 (permalink) Old 02-02-2020, 06:08 AM Thread Starter
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update: state farms initial payout for repairs was 2448.80. then we got a call from the toyota collision center . they found some other damage(headlight housing mounting tabs broken and some one use only parts) so they submitted a additional money request to state farm .


state farm has agreed to payment and the repair will move forward . suggested date of return is the 14th .could be sooner depends when parts arrive .all new parts .


so there was no issue using the dealers repair center .i will grab some pics when we get it back
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post #16 of 18 (permalink) Old 02-17-2020, 09:16 AM Thread Starter
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got our chr back from the dealers collision center .looks new again . that little bit of damage costs over 5 thousand dollars .
a new headlight housing was over 600 bucks . dont break one...lol.
they claim they had to re calibrate the front radar sensor for the radar cruise control ,that costs over 300 bucks alone .is needed anytime the bumper cover is replaced i guess .
over 300 bucks!! probably just plug it in to a computer hit a button and wait a few seconds .



it is what it is .state farm had no problem paying whatever they requested . good thing as we been with them over 25 years and never had a claim .



ps- they replaced all the lower plastic panels on the passenger side too . those raised accent panels on bottom of doors .yeah that .




so all is well again .

Last edited by joe doe; 02-17-2020 at 09:18 AM.
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post #17 of 18 (permalink) Old 02-18-2020, 10:05 AM
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Thanks for the follow up. That $600 for the headlight assembly isn't that bad. I think it's par for the course with modern cars. With that figure, I assume you got OEM replacements and not aftermarket or junk yard. The headlights on my BMW were $1300 a pop when I hit a deer. And I also have State Farm.

The charge for the radar calibration is probably right. I know it's a ridiculous amount for what you are correct on which is plugging in a tool to calibrate the sensors. But the tool is the expense and the shop recuperates the cost of the equipment by charging for the service.

I'm just waiting on someone having damage on the rear quarter of our cars. The shape of the rear end is going to present challenges for a shop to get the repair right.

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post #18 of 18 (permalink) Old 02-18-2020, 08:01 PM Thread Starter
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yes oem headlight housing. no aftermarket went on the car .
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