View Full Version : Question about insurance and rock chips...

06-27-2004, 04:48 PM
I have quite a few rock chips on my bumper, hood and front/rear fenders. They are getting bad and the paint is starting to look crappy around them.

Can I claim this to insurance and get the parts repainted?

Would this be a valid claim? One time I got quite a few from a dump truck carrying small pebbles if that counts for anything. I have full coverage.

06-27-2004, 05:48 PM
doubt it...

06-27-2004, 05:56 PM
I seriously doubt they will do anything and if they did it would surely raise your rates. Best way to go is just get it repainted IMO.

06-27-2004, 06:01 PM
I highly doubt they will do anything, and if they were it would kill your premiums.

06-27-2004, 07:04 PM
Yea I don't recommend claiming for that stuff. My parents got some money for a couple of cracked windshields (daily highway driving) but then their rates went up. Not worth it, IMHO.

06-27-2004, 07:48 PM
Don't drive so close behind people. You will be amazed on how few paint chips you get.

06-28-2004, 06:07 AM
Originally posted by no1hustller
Don't drive so close behind people. You will be amazed on how few paint chips you get.

So true.

06-28-2004, 08:20 AM
That's normal wear & tear, it wouldn't be worth the rate increase. Don't drive behind trucks with pebbles in them [:D]

06-28-2004, 08:25 AM
what is your deductable?

500.. isn't that the price of a new bumper?

mine was 250.. just recently raised to 500- but i get my insurance paid for so i am not complaining.

so your going to pay around 500 dollar deductable to pay for a 400 dollar bumper(used one)- and have rates go up?

ask yourself why?

06-28-2004, 08:39 AM
insurance isn't meant for small claims. the less claims you have, the better now and later...

06-28-2004, 08:44 AM
Pay a body shop to repaint it. You'd have to use your deductible, which is most likely more than the cost to re-paint.