Austin Hail Storm!!! [Archive]

kuuligan

03-26-2005, 07:38 PM

austin ppl.

severe hail hit some parts of austin last night. Lets just say it was scary and I was glad my SC300 and accord were safely in the garage, until my friend reminded me my IS300 was still at BL

anyone got unlucky?

question: i know if you have comprehensive insurance, hail is covered totally without a deductable, but will your title be a salvage title due to hail, or will it still be considered clean title?

chevydude

03-26-2005, 08:12 PM

I was fine, but did you hear about all those birds that got owned from the hail last night? Buncha dead little guys lying on their back with their scrawy legs in the air.

kuuligan

03-26-2005, 08:26 PM

poor lil birds :(

RIP's

dok33

03-26-2005, 10:47 PM

That storm was nuts, I thought the windows in my apt. were gonna explode. My wife's car got dinged up pretty bad, still trying to decide if it's worth it to file a claim ('96 ford escort). My 4-runner was out there too, but it's already too dented to be able to tell:)

pnutcar

03-26-2005, 11:12 PM

me and Jen (LittleSupraNovice) were down there at her house in Leander, that stuff was nuts, kinda like what we get up here in MO. I didn't know it did that down in Texas. Her parent's 02 Silverado got hit pretty good, but both of them work for state farm, so its all good.

kuuligan

03-27-2005, 07:14 AM

yea, my car has full coverage too.

but a car will hail damage, does it still retain a clean title?

LittleSupraNovice

03-27-2005, 03:28 PM

Originally posted by kuuligan
yea, my car has full coverage too.

but a car will hail damage, does it still retain a clean title?

It just depends on the dollar amount of damage, and who you are insured with. If the damage is under 500$, you still retain a clean title, at least with State Farm, but double check my information, 'cause i could be wrong.

SiFreak

03-27-2005, 08:49 PM

Title will be still be clean as long as the insurance does not total the car. The insurance company will total the car if the cost of repairing is more the worth of the car.

I doubt your IS will loose its clean title. But make sure they try to do PDR (paintless dent repair). Repainting the whole car will affect its value.

LittleSupraNovice

03-27-2005, 09:07 PM

Hail damage should also already be covered under your policy, so depending on your deductable, you won't have to pay out anything.

kuuligan

03-27-2005, 10:44 PM

how does PDR work? Knock out the dents or simply replace the affected body parts?

Will be taking it to an official Lexus body shop so I hope do good work

thanks for the good info guys!

SiFreak

03-27-2005, 10:59 PM

PDR is taking out the dents from the original body panels with tools such as suction cups, glue guns, special hand tools and taking off certain interior panels.

LittleSupraNovice

03-28-2005, 07:12 AM

PDR, if done right, should not affect your paint at all. Most times, will turn out looking better than when you took it in.

kuuligan

03-28-2005, 07:31 AM

what about if the paint was scratched from the hail?

for them to "pop out" the dents, sounds like hard work as there could be hundreds of dents

:(

Trent

03-28-2005, 12:34 PM

VERY rarely will you see paint chips from hail, if ever. I worked for Progressive for almost 3 years and handled the biggest hail catastrophe in company history up in Dallas a few years ago. There were cars with literally 1000+ hail hits, but no paint damage. Hail will almost NEVER take out paint. That's almost always how you know when someone is trying to pull one over on you. If paint is chipped it's either damage taht was there before or someone caused it intentionally (happens more than you think).

Depending on the shop you go to, you WILL have to pay your deductible. Sometimes body shops will work out deals with you, but hail is an act of god, hence Comprehensive coverage. Comprehensive in TX always requires a deductible per state law. There are some smaller companies that get out of that on a technicality, but the big companies don't do it.

PDR doesn't have to go to any Lexus place. You will get ripped if you take it to any Lexus place because they won't do PDR. There are places that are JUST PDR places. That's who you take it to. And as said before, many times it comes out looking even better than before it was damaged.

kuuligan

03-28-2005, 01:16 PM

I just talked to my insurance company agent and she told me I dont need to pay a deductable.

She said the hail storm is not considered an "accident" but rather a natural disaster and my policy does not require a deductable.

i guess i am happy to hear that?

Mobus1

03-28-2005, 01:47 PM

In addition to the ones I got at the stores.....
No biggie..:D :D
North Austin looked like a war zone, a bunch of dead birds, broken windows....tree branches and leaves all over the place
.....reminded me of war back home ( El Salvador)

MrBoost

03-28-2005, 04:02 PM

No damage southside, thankfully!

LittleSupraNovice

03-29-2005, 11:18 AM

Originally posted by kuuligan
I just talked to my insurance company agent and she told me I dont need to pay a deductable.

She said the hail storm is not considered an "accident" but rather a natural disaster and my policy does not require a deductable.

i guess i am happy to hear that?

Yes, you should be very happy to hear that. Just make sure you take it to a place you trust to do the repair job right, or then you really will have to pay out-of-pocket to fix whatever they f'd up, becasue your policy most likely won't pay for it again. Hail is a prety common occurance for us in texas.

kuuligan

03-29-2005, 03:06 PM

Originally posted by LittleSupraNovice
Yes, you should be very happy to hear that. Just make sure you take it to a place you trust to do the repair job right, or then you really will have to pay out-of-pocket to fix whatever they f'd up, becasue your policy most likely won't pay for it again. Hail is a prety common occurance for us in texas.

I take it back, i have a 500 dollar deductable :(

LittleSupraNovice

03-29-2005, 08:46 PM

ick, then yea, don't get happy about it too quick. your agent explain to you how it all works though, im assuming? definately ask him/her questions if you have them.

btw, where 'bouts are you in austin, both my mom and an uncle are agents for state farm, and my dad and another aunt work in claims.

Verge

03-30-2005, 07:32 AM

hail won't give your car a salvage title unless they total out the car and you buy it back from them... otherwise they just fix it and nobody knows

Rajunz

03-30-2005, 08:28 AM

I've used Dent Magic on Burnet Road, just south of Anderson, amazing results, you absolutely cannot tell the dent was ever there. A friend of mine had his truck caught in a hail storm. They literally took out about 100 dents, not a clue of 1 ever being there.

kuuligan

03-30-2005, 08:30 AM

Originally posted by LittleSupraNovice
ick, then yea, don't get happy about it too quick. your agent explain to you how it all works though, im assuming? definately ask him/her questions if you have them.

btw, where 'bouts are you in austin, both my mom and an uncle are agents for state farm, and my dad and another aunt work in claims.

my cars at north austin by parmer. my bad, i have farmers, not state farm :D

kuuligan

03-30-2005, 08:33 AM

Originally posted by Rajunz
I've used Dent Magic on Burnet Road, just south of Anderson, amazing results, you absolutely cannot tell the dent was ever there. A friend of mine had his truck caught in a hail storm. They literally took out about 100 dents, not a clue of 1 ever being there.

is this the one boost logic/SW uses?

SiFreak

03-30-2005, 09:37 AM

I just got my car estimated at Farmer's, they totalled it.
It's a 98 civic cx w/ 65K miles, damage is not too bad at all.
I guess they total it because the price of repair is really close to the price of the car.

I will be getting a call soon about the payout.
How much should I be looking to get? Retail or Private Party?

LittleSupraNovice

03-30-2005, 11:05 AM

Originally posted by SiFreak
I just got my car estimated at Farmer's, they totalled it.
It's a 98 civic cx w/ 65K miles, damage is not too bad at all.
I guess they total it because the price of repair is really close to the price of the car.

I will be getting a call soon about the payout.
How much should I be looking to get? Retail or Private Party?

they do pay-outs a little different than if you were selling your car. You should get almost the price of the car.

LittleSupraNovice

03-30-2005, 11:11 AM

Originally posted by Verge
hail won't give your car a salvage title unless they total out the car and you buy it back from them... otherwise they just fix it and nobody knows

a car is hardly ever totaled or given a salvage title due to hail damage alone. its a very rare occurance.

LittleSupraNovice

03-30-2005, 11:13 AM

Originally posted by kuuligan
my cars at north austin by parmer. my bad, i have farmers, not state farm :D

thats cool, you know where Lakeway is? on 620, past the dam?

Mobus1

03-30-2005, 01:17 PM

insurance companies will give blue book price and deduct non-related hail damage (depreciation)
so, you're not going to get much.
Good luck anyways, some insurance co's are better than others.
:D :D :D

kuuligan

03-30-2005, 01:33 PM

Originally posted by SiFreak

I will be getting a call soon about the payout.
How much should I be looking to get? Retail or Private Party?

I think you would get retail market value.

I got 21K for my 01 prelude 2-3 yrs ago from farmers

kuuligan

03-30-2005, 01:37 PM

Originally posted by LittleSupraNovice
thats cool, you know where Lakeway is? on 620, past the dam?

Yea, i have a friend from lakeway.

Very very nice area. U're a lucky man :D

LittleSupraNovice

03-30-2005, 10:48 PM

Originally posted by kuuligan
Yea, i have a friend from lakeway.

Very very nice area. U're a lucky man :D

LOL only im a woman.

LittleSupraNovice

03-30-2005, 10:50 PM

LIved out there for a while though, my moms got her agency right across from the entrance into the lakeway subdivision.

we live in leander now, but im a senior at the university of missouri.

kuuligan

03-31-2005, 07:55 AM

Originally posted by LittleSupraNovice
LOL only im a woman.

you are a very lucky young lady

rpk2012

03-31-2005, 11:52 AM

:TTIWWP:

Sorry to hear of this wack hailstorm. We seem to have more of them though up here in Lubbock. I hope everything works out well for those that had damages.

SiFreak

03-31-2005, 12:42 PM

Originally posted by LittleSupraNovice
thats cool, you know where Lakeway is? on 620, past the dam?

I heard the Hudson Bend area got badly pelted by the hail.
Saw a accord from that area, seems like steam roller went to town with it.

Can your mom give discounts? I got a house, 2 cars and a clean driver's record. :D

LittleSupraNovice

03-31-2005, 03:05 PM

Originally posted by SiFreak
I heard the Hudson Bend area got badly pelted by the hail.
Saw a accord from that area, seems like steam roller went to town with it.

Can your mom give discounts? I got a house, 2 cars and a clean driver's record. :D

LOL just depends. i know that with state farm, you can take online defensive driving once a year, not because of a ticket, and it lowers your insurance 15%, but thats only in texas i think.

kuuligan

04-01-2005, 05:27 AM

^^

regarding defensive driving, does the same apply if you're below 25 yrs?

Anaconda

04-01-2005, 06:18 AM

My car was in the shop at VW so I hope it didn't get damaged. :(

LittleSupraNovice

04-01-2005, 10:48 AM

Originally posted by kuuligan
^^

regarding defensive driving, does the same apply if you're below 25 yrs?

yes, it applies to anyone rated on the policy, that has a valid drivers license. Just talk to your agent about it, though i dont know if it is something that Farmers does.

SiFreak

04-01-2005, 12:17 PM

Originally posted by LittleSupraNovice
LOL just depends. i know that with state farm, you can take online defensive driving once a year, not because of a ticket, and it lowers your insurance 15%, but thats only in texas i think.

Are you a marketing major? :) That sounds pretty appealing.

Anaconda
My car was in the shop at VW so I hope it didn't get damaged.

If its charles maund, I heard that part of austin get most damaging hail. Hope yours was kept indoors.

LittleSupraNovice

04-01-2005, 01:34 PM

Originally posted by SiFreak
Are you a marketing major? :) That sounds pretty appealing.

:) nah, actually a music performance major, but by the time im 60, hope to have 3 running restaurants and a bar.

SiFreak

04-01-2005, 02:54 PM

The adjuster called me and said they cannot total my car because the damage is $1K off the claim amount. How lame? :(

Oh well. :)

LittleSupraNovice

04-01-2005, 03:00 PM

Originally posted by SiFreak
The adjuster called me and said they cannot total my car because the damage is $1K off the claim amount. How lame? :(

Oh well. :)

:) it happens. maybe next time. LOL just kidding.