someone side swiped my rear qtr panel at a circuit city. no note. :banghead:

still haven't fixed it yet either.

It totally depends on the company.
Where one will forgive one claim, another won't.

The difference is in subrogation.
If the other driver were known, the insurance company would pay his repair costs, then go after the other guys insurance company to recover thier costs.

Yes.
If you have it done, they pay the repair facility, minus the deductible.
You have to pay the deductible.
Sometimes, you can work a deal with the repair facility...but I ain't gettin' into that:nonod:

Another option.
Take the repair $$$$ and:
1) Have someone do it cheaper,
2) Do it yourself,
or
3) Don't do it at all, and pocket the $$$.

if im going to be buying a new bumper, are there any good looking aftermarket ones?

For the C5, the Tiger Shark is a great looking bumper, one of the best I've seen.
If I had a C5 and had or wanted to change the front bumper, that's the way I'd go hands down!

http://temp.corvetteforum.net/c4/wegone//ts3.jpg

http://temp.corvetteforum.net/c4/wegone//ts2.jpg

http://img.photobucket.com/albums/v4...7/EPSN0002.jpg

http://i182.photobucket.com/albums/x...TISplitter.jpg

http://forums.corvetteforum.com/phot...78100_1236.JPG

http://www.z06vette.com/gallery/imag...ne_-_Front.jpg

Some sources:
http://www.doubledmods.com/TIGER-SHARK_c38.htm


http://www.ecklers.com/corvette-fron...l?dept_id=1441

Do a Google search and you'll see a bunch of them.

not bad. thank you, that may be the route i go. really interesting looking, and a nice way to make my car a little different.

the tigershark with the splitter loos BADA$$....

Sorry to hear about the hit and run, mine got keyed last month and I'm stripping it down to fiberglass for new paint.

Placing a claim with your carrier will involve your deductible if you have one and could increase your rates since claims history will be generated, granted your premium could go up anyway on an annual basis depending upon how many claims are paid by the carrier for the year at which time they pass their expense on to all policy holders including those who haven't placed a claim.

So you could do the good thing and pay it out of pocket and still get hit with a higher premium due to others who filed claims or you can place a claim and have them pay for it and have your rates go up and know that at least you helped contribute to the increase :D.

You would be better off with a police report, it's a preferred standard with insurance carriers and some require them. I drove mine to the police department the next day and met an officer, showed him the damage and he gave me a case number that you'll pass on to your carrier when you file your claim. Take pictures for your records and maintain a log of everything you do related to your claim from the date and time and officer you report the damage to and then every phone call you make to your agent or insurance company, body shop, etc. You shouldn't need this but it's better to have it documented just in case, CYA.

Eric

Excellent advise Eric:thumbsup::thumbsup:
Thank you.

Thanks Shadow, it's the retired claims adjuster in me that seems to sneak out every now and then :dancer01: and now back to sanding I go, well in the morning :rofl1:I'll finish this glass of Smokin Loon and head to that horizontal recharging location first. Hoping my new hood should arrive tomorrow from Ecklers, what a fiasco that was but High rise cowl hood is on the way

Sounds sweet!:thumbsup: