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Unread 05-26-2013, 07:11 PM   #1
MadMonk
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1999 WJ 
 
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What to do about hail damage

My '99 suffered from hail damage in recent storms that have come through central Oklahoma. I have no glass damage, but the hood and roof is pretty beat-up, along with some noticable dents along the sides (we had baseball-sized hail come through while I was at work and there was nothing I could do about it).

After speaking with my insurance agent, he said that if it were him, he'd get the insurance check (which will total the vehicle), try to get it back from insurance for a reasonable amount, then turn around and sell it for whatever I can get for it.

Normally, I'd agree, but I have a special place in my heart for this one and my son (who is 11) really wants me to hand it down to him when he turns 16. Another thing that complicates my decision is that I just put a new engine in it (for about $3,000) and it only has about 13k on it.

Should I do as the insurance guy recommends (and maybe go buy a used JK?)

How about just not claiming anything and fix the damage myself over time (it's totally drivable, its just my ego that screams at driving a beat-up vehicle).

Get the insurance check, keep the vehicle and drive it with only liability coverage?

Just looking for some impartial perspective from those not as emotionally involved in the decision as I am.

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'99 WJ Limited 4x4, 4.0L, Patriot Blue Metallic, IRO 3" springs, track bar, and rear sway bar links, Doetsch Tech 8000 shocks, Tenneco steering stabilizer, Carolina Driveline double-cardan front drive shaft.
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Unread 05-26-2013, 07:13 PM   #2
WhiteOut
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Jut so you know, if you take the check or fix it yourself, chances are you will not be able to get hail coverage on it again unless it is certified as repaired by someone the insurance company accepts as qualified. Since they know now, chances are if you want to continue full coverage, it will need to be fixed.
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Unread 05-26-2013, 09:24 PM   #3
narnwv
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Even with the cost of the recent engine replacement, it would be totaled.
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Unread 05-27-2013, 08:29 AM   #4
Krom
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First get a quote from a paintless dent repair guy, You can try and find junk yard panels with matching color, or just drive it as is.
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Unread 05-27-2013, 08:49 AM   #5
webby88
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I wouldn't fix it, take the check and buy it back from the insurance. In NY - and with my insurance - I had once an option to take a total check minus like $400 and keep the car (not a jeep).

Hail repair is iffy since there are so many dings and dents etc. If anything, replace the hood and ignore the roof...

My 2 cents.
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Unread 05-27-2013, 09:10 AM   #6
MadMonk
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Thanks everyone. I'm leaning toward just taking the cash and buying it back from the insurance. I've had paintless dent repairs done before on a different vehicle and it turned out great. Who says I have to get it all fixed at once, right? Maybe start with just the hood, then the doors, root, etc, as my budget allows. If nothing else, I can just turn this into my toy and buy another vehicle for daily driving. I haven't had a car payment in over ten years, though. That's going to take some getting used to.
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