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Discussion Starter · #1 ·
The good news is I was going about 30 MPH and probably much less as I hit the brake before impact.

I am wondering if I should use insurance or no?. Damage is dented hood and very slight bend to the grille. I did not open the hood as I was afraid it might not close. I will have to do that during the day.

Thing about dash cam video is it lets you relive the moment over and over. I will post it when I can. For now here is a pic of the damage.
 

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It's covered under Comprehensive. It will not raise your premium if you make a claim. Get an estimate from a Body shop recommended by your local Agent. Then decide Whether you want to submit it for a claim or not. It all depends on your deductible as to whether its worth it or not.


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I carry $0 deductible on both our cars just because of deer and log trucks throwing rocks. Volt hoods are aluminum and you'd probably be shocked at the repair estimate.
 

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I carry $0 deductible on both our cars just because of deer and log trucks throwing rocks. Volt hoods are aluminum and you'd probably be shocked at the repair estimate.
Wonder if there is any chance of finding a color-matched hood in a salvage yard, maybe off one that's been rear-ended.? Might be cheaper.

Joe


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It's covered under Comprehensive. It will not raise your premium if you make a claim. Get an estimate from a Body shop recommended by your local Agent. Then decide Whether you want to submit it for a claim or not. It all depends on your deductible as to whether its worth it or not.


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How can you say it will not raise their premium. You don't know their claim history. I got into a tussle with a stop sight that materialized out of nowhere, my premiums went up dramatically as my daughter totaled her roommates car and my wife got into a fender bender a few years before. So when my son hit a deer, I was better off to pay the $3600 myself rather than face even higher premiums.

My stance on insurance is if you can afford to pay for this out of pocket, do it. Save your insurance claims for a total or a future liability claim if you happen to be at fault in a fender bender. A junk yard hood that is the right color, or even the wrong color brought into a body shop to install and paint match would be cheaper than getting a completely new hood from the body shop.

You should check out the extent of the damage. My volt needed a new radiator, new hood, new grill insert, a trim piece on the passenger side door, new passenger side, some paint on the passenger door to take out a scratch, and new interior bumper bracket, but miraculously, the front bumper did not need to be replaced, only repainted. My damage was $3600, so I suspect yours will be less.
 

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It's covered under Comprehensive. It will not raise your premium if you make a claim. Get an estimate from a Body shop recommended by your local Agent. Then decide Whether you want to submit it for a claim or not. It all depends on your deductible as to whether its worth it or not.


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That would be collision since it's not limited to "glass" damage. Get an estimate and if it's something you can cover out of pocket don't file an insurance claim. Otherwise file one.
 

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Last year I had a dog dart out in front of me. The damage was $1400 and luckily the dog was okay. I checked my policy and the comprehensive section has a clause that animal collisions will not have an effect on future premiums. Also the dog owner covered the deductible as the dog should have been on a leash. In fortunately a wild deer does not have an owner.
 

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Last year I had a dog dart out in front of me. The damage was $1400 and luckily the dog was okay. I checked my policy and the comprehensive section has a clause that animal collisions will not have an effect on future premiums. Also the dog owner covered the deductible as the dog should have been on a leash. In fortunately a wild deer does not have an owner.
Car deer is Comprehensive.

It "generally" does not effect future premiums. Unlike a Ticket or Collision claim would.

My last Car deer hit on my Prius was about $3600 also. No Rate change because of it.

But every policy is different.

The best thing to do is ask your Agent.




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Discussion Starter · #9 ·
Volt hoods are aluminum and you'd probably be shocked at the repair estimate.
Looked online, a new hood and grille would be ~$1800 and that is part only. Then you have to have paint.
 

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If you can't find any scrapyard hoods for cheap, they don't seem to be too terrible on eBay and other sites (Considering they're aluminum). However, the hard (And expensive) part will be getting a color match.

http://www.autopartswarehouse.com/sku/Chevrolet/Volt/Replacement/Hood/2013/REPC130160.html

I'd recommend getting a quote from a body shop for both getting a hood themselves, painting and installing, as well as painting a hood you buy and you installing it.
 

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Don't forget cost of shipping a large part too.


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Don't forget cost of shipping a large part too.


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Yep, a hood falls under freight charges. I had a fiberglass hood shipped once, and it cost almost as much as the hood! If memory serves, it was around $350 in shipping.

As for whether or not to file a claim, here's my take on it. How much do you spend on insurance each year? How long have you been handing them money, and when was the last time you filed a claim, if ever? I figure I've paid them enough to nearly buy another new car, so if anything happens, I'm filing a claim without hesitation. Personally, I usually max out my coverage on my commuters, as I have a lengthy commute, and lots of hazards along the way, such as deer, rock slides, downed trees and branches, hordes of uninsured motorists(I am in California after all), etc, so I've paid them a lot of money. Of course it depends on how much you've paid and for how long, so you need to do some math for your individual situation.
 

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I was on a remote 4 lane highway in Northern Wisconsin last week, when a Pickup passes me. Just after he merges into the right lane, I see a deer come out of the 3-4 ft grass in the median ahead of the truck. The guy in the truck could not stop fast enough and smacked the left front corner hard. I watched it happen. The deer went flying back across the left lane onto the inside shoulder.

I had enough time to react and slow down the other guy didn't.

I can't wait to have cars with autonomous capabilities that are able to See objects and animals at a much greater distances and field of view than humans to either warn you or auto brake in anticipation of a possible incursion. If anyone has seen the Tesla autonomous drive video, its amazing to see the active images of what the computer sees.


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I was on a remote 4 lane highway in Northern Wisconsin last week, when a Pickup passes me. Just after he merges into the right lane, I see a deer come out of the 3

So how's that autonomous driving car going to figure out what a deer on the side of the road is going to do? Telepathy? Just slow down whenever it see an animal on the side of the road? If a deer or something just darts out in front of the autonomous car it still can't defy physics.
 

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Not saying it will, but the the computer sees animals just like humans (pedestrians) and can sense whether its moving into your path of travel or away and reacts appropriately. With large animals I'm talking about reducing the rate of a potential collision not Eliminating it. Squirrels are SOL. We all know **** Happens beyond anyones control at times.

I do believe the Forward looking safety systems in cars will reduce potential accidents or at the very least help reduce injury/death rates in the long term.


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I recently got backed into in a parking lot (other driver drove off while I was in the store) and my hood looked almost identical to yours. Even the same color!
It's not going to be cheap. A new hood from GM costs about $1500, plus paint and labor. The market for used hoods is very small outside of CA, so I had to go OEM. I also had a cracked bumper and a damaged bracket behind the bumper, so all told it was over $2000 for the repair.
 

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In New York a collision with an animal is a non chargeable accident and would not effect your premium. Read your policy for your coverage detail.
 

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I had similar damage when a Ford F150 backed into me in a parking lot. She paid the $2,000 CDN repair at the dealer. I did not tell insurance.

It's interesting to see how much damage a deer does. I had 3 pass in front of me last week. :0
 

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CHEVROLET CAR VOLT HOOD (PRIMED) (ALUMINUM) 2011-2015

FWIW: $375 + $235 paint = $610 seems not too much but they probably stick it to you in shipping cost as was mentioned earlier!:eek:
The problem with having it prepainted is that there might be a slight chance that the paint won't match the other panels. My dealer's body shop usually sprays over nearby panels to in order to blend it, especially with something as complex as my white diamond tricoat. So a lot depends on what color your car was to begin with.
 
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