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Old 05-26-2015, 06:03 PM   #1
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Insurance Question

So.....I backed out of my parking place in a private lot today at the same time an SUV backed out and we hit. ZERO damage to his car but the square tow bar on his bumper punctured my rear bumper to the left and below the license plate area. It left a perfect impression of the tow bar. We both share fault equally. I am thinking there is no reason to try to pay the deductible and try to have my insurance fix it because my rate will increase. But I am afraid the whole bumper may have to be replaced. Anyone have any thoughts on this?
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Old 05-26-2015, 06:13 PM   #2
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Insurance Question

You are correct, you're both equally at fault. I can definitely understand not going through insurance. What's your deductible?

The bumper is tough to repair when it's dented or cracked. They'll want to replace the whole thing.

Do you have a pic of the damage?
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Old 05-26-2015, 06:17 PM   #3
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Take a look at the cost of a bumper at Rock Auto, then decide.
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Old 05-26-2015, 06:36 PM   #4
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I see one on ebay from Auto Parts Deal for $306 and free shipping. Rock Auto does not show any in stock. R&R + paint maybe $1500 total? Will get an estimate tomorrow and will try to post photo later.
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Old 05-26-2015, 07:11 PM   #5
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Ouch, that is a pretty nasty number
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Old 05-26-2015, 07:45 PM   #6
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Cut it out and feed another exhaust tip through it!
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Old 05-26-2015, 07:58 PM   #7
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Also factor in the cost of another styroforam impact absorber, which is like $130-$150.

I've had mine replaced twice (by insurance) because people like to rear-end me. I'm guessing Grabber Blue must be a really tough color to see. LOL.
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Old 05-26-2015, 08:05 PM   #8
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Also factor in the cost of another styroforam impact absorber, which is like $130-$150.

I've had mine replaced twice (by insurance) because people like to rear-end me. I'm guessing Grabber Blue must be a really tough color to see. LOL.
How much did it cost (by insurance) to replace? Do you think the old syrofoam impact absorber would not be reusable with just one puncture spot? Thanks.
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Old 05-26-2015, 09:39 PM   #9
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Quote:
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Cut it out and feed another exhaust tip through it!

Add a tow hook right there lok


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Old 05-26-2015, 10:05 PM   #10
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Originally Posted by tucsondivots View Post
How much did it cost (by insurance) to replace? Do you think the old syrofoam impact absorber would not be reusable with just one puncture spot? Thanks.
Only problem with not replacing the absorber would be if someone hits you in the rear end again. Because you didn't repair it, the amount of money he would be responsible for would be reduced. Any passengers could sue the other driver and could also sue you for injuries. His injuries might not be as bad but since you didn't fix it, it might contribute to his injuries also.

Good Luck!
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Old 05-26-2015, 10:30 PM   #11
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Only problem with not replacing the absorber would be if someone hits you in the rear end again. Because you didn't repair it, the amount of money he would be responsible for would be reduced. Any passengers could sue the other driver and could also sue you for injuries. His injuries might not be as bad but since you didn't fix it, it might contribute to his injuries also.

Good Luck!
Yeah, do not want to compromise safety and am not suggesting not having the absorber. Just wondered if it could be re-used since it only has a 2 inch spot of damage.
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Old 05-26-2015, 11:17 PM   #12
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Give these people a call, although you will pay some freight the prices are really good. Less than $200 for the bumper and less than $100 for the foam impact piece............$150 to paint and you should be under $500............taking the bumper off the car is pretty easy but if you want the dealer to do it add another $100.

BUMPER & COMPONENTS - REAR for 2014 Ford Mustang
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Old 05-27-2015, 05:15 AM   #13
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I can't believe on one suggested just slapping a bumper sticker on it.......
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Old 05-27-2015, 07:42 AM   #14
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Give these people a call, although you will pay some freight the prices are really good. Less than $200 for the bumper and less than $100 for the foam impact piece............$150 to paint and you should be under $500............taking the bumper off the car is pretty easy but if you want the dealer to do it add another $100.

BUMPER & COMPONENTS - REAR for 2014 Ford Mustang
Thanks for the link!
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Old 05-27-2015, 07:44 AM   #15
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I can't believe on one suggested just slapping a bumper sticker on it.......
Yeah, it is pretty hard to laugh when your new car is damaged and it is going to cost $$ to fix.
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Old 05-27-2015, 01:44 PM   #16
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I took it to 3 body shops. 2 quoted $1,137-$1,152. Third one is shop I used for some work years ago on my 2005 Mustang. He thinks he can fix the spot and repaint. Says I may be able to see where repair was done but will look good. Considering where the damage is it seems worth the $350 he is asking to give it a shot. Will take it in next Monday. Two days in shop. I will post after photo when done.
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