Storm in Chicago and damage

girmis · 06-20-2010, 11:19 PM

Hello,

so on Friday we had some nice weather here in Chicago with winds up to 70mph. It happened that I was driving on the highway and this wind gust carrying all imaginable garbage - stones, tree branches, tree leaves etc - went over the highway and my car

I washed my car today and guess what - I have quite a few paint chips (all the way to the metal), chips in the windshield, some clear coat burns (not sure about the name).

so the question:

did anyone get into situation like this before? Did the insurance cover the damage? I am afraid that as the damage is not big insurance will not cover anything...what should I tell my agent?
BTW, I managed to take a few seconds video during this incident with my phone, so I have a proof that all these paint chips are new....http://www.youtube.com/watch?v=mvDgkjRe3-U

VTECaddict · 06-20-2010, 11:34 PM

Unless there's like a huge dent or a giant patch of paint missing I wouldn't bother with insurance. Just touch them up and call it a day.

bavarianboar · 06-21-2010, 12:10 AM

Quote:

Originally Posted by wallstreet

You can file it under comprehensive claim (D1 coverage) which is subject to your deductible. It is consider non at-fault claim and it shall not increase your rates upon renewal.

Hoog_23 · 06-21-2010, 08:11 AM

Had a tree branch land on my wifes MDX in the storms we had in the NE in the spring. It was considered an 'Act of God' and didn't affect our future rates. Luckily our comprehensive deductible is only $250.

Only bad thing is that carfax lists it as a 'accident.'

Chriztofor · 06-21-2010, 08:12 AM

Looks like there will be another storm in Chicago today.

imajnazn23 · 06-21-2010, 11:32 AM

Chicago FTW!

BTM · 06-21-2010, 01:37 PM

Quote:

Originally Posted by Chriztofor

Looks like there will be another storm in Chicago today.

Today through Wednesday

CubanJJ09 · 06-21-2010, 03:40 PM

in the garage she goes

Blubaron79 · 06-21-2010, 04:11 PM

File a claim. Same as hail damage. I had $760 worth of hail damage done to my car a month ago. My friend a few miles away had his car TOTALED because of hail.

GD Global warming!!

CubanJJ09 · 06-21-2010, 04:13 PM

Quote:

Originally Posted by Blubaron79

File a claim. Same as hail damage. I had $760 worth of hail damage done to my car a month ago. My friend a few miles away had his car TOTALED because of hail.

GD Global warming!!

did his car end up looking like this after all that hail?

Blubaron79 · 06-21-2010, 04:50 PM

Yea. Something like that with all the glass busted out...

E92-Lighting · 06-21-2010, 07:41 PM

Ouch, hail is pretty loud in the video

djkrajzi · 06-22-2010, 10:50 AM

yeah we did have some bad weather in chicago!!! i hid my car in my neighbors garage

ragingclue · 06-22-2010, 10:58 AM

lol more hail last night. And one of the worst cells materialized out of nowhere just a few miles SW of Plainfield. We had about 30 mins to brace for that one. Looking at the radar, there was nothing there, and then all of a sudden, BAM. Hail, winds, giant dark red spot on the map.... WTF is up with the weather around here lately?

hpowders · 06-28-2010, 10:45 PM

Sorry to hear that.

06-20-2010, 11:19 PM	#1
girmis New Member 3 Rep 14 Posts Drives: 2008 535i Join Date: Mar 2009 Location: Chicago iTrader: (0)	Storm in Chicago and damage Hello, so on Friday we had some nice weather here in Chicago with winds up to 70mph. It happened that I was driving on the highway and this wind gust carrying all imaginable garbage - stones, tree branches, tree leaves etc - went over the highway and my car I washed my car today and guess what - I have quite a few paint chips (all the way to the metal), chips in the windshield, some clear coat burns (not sure about the name). so the question: did anyone get into situation like this before? Did the insurance cover the damage? I am afraid that as the damage is not big insurance will not cover anything...what should I tell my agent? BTW, I managed to take a few seconds video during this incident with my phone, so I have a proof that all these paint chips are new....http://www.youtube.com/watch?v=mvDgkjRe3-U
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06-20-2010, 11:34 PM	#2
VTECaddict Where'd my VTEC go? 481 Rep 6,067 Posts Drives: 06 330i 6MT Join Date: Mar 2009 Location: Seattle, WA iTrader: (4)	Unless there's like a huge dent or a giant patch of paint missing I wouldn't bother with insurance. Just touch them up and call it a day. __________________ AW/Terra \| ZSP \| ZPP \| ZCW \| iDrive \| CA Mods: BC BR coilovers \| Blacklines \| M-tech rear \| dual exhaust \| M3 steering wheel \| BMW SSK \| ZHP shift knob \| High-kick CF spoiler \| NBT Retrofit M3 front control arms \| M3 rear guide rods \| Manzo rear toe and camber links \| Monroe rear shock mounts \| Varrstoen ES1 19x9.5+20 Front, 19x11+25 rear
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06-21-2010, 08:11 AM	#4
Hoog_23 Second Lieutenant 18 Rep 291 Posts Drives: 335i/535i Join Date: Jun 2008 Location: NY iTrader: (4)	Had a tree branch land on my wifes MDX in the storms we had in the NE in the spring. It was considered an 'Act of God' and didn't affect our future rates. Luckily our comprehensive deductible is only $250. Only bad thing is that carfax lists it as a 'accident.'
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06-21-2010, 08:12 AM	#5
Chriztofor Colonel 103 Rep 2,783 Posts Drives: '06 325i and '13 X5 Join Date: Feb 2010 Location: Chicago Burbs iTrader: (1)	Looks like there will be another storm in Chicago today. __________________ If no codes are being thrown use Chevron Techron fuel injector cleaner (concentrate). It solves rpm fluctuating upon cold start-up. Also, for most BMW problems start off by scanning your car with the Peake Research Tool. It contains the actual BMW codes. If you want to register a newly installed battery for free (just buy a $10 cable) and google/download BMWLogger
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06-21-2010, 11:32 AM	#6
imajnazn23 Private First Class 5 Rep 129 Posts Drives: 335i Join Date: Mar 2010 Location: Chicago iTrader: (2)	Chicago FTW!
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06-21-2010, 03:40 PM	#8
CubanJJ09 Banned 169 Rep 12,680 Posts Drives: like an asshole Join Date: Feb 2008 Location: Chicago Burbs iTrader: (2) Garage List 2007 BMW 335i [6.18]	in the garage she goes
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06-21-2010, 04:11 PM	#9
Blubaron79 Brigadier General 1435 Rep 4,724 Posts Drives: 2021 M340i xDrive Join Date: May 2009 Location: PA iTrader: (0)	File a claim. Same as hail damage. I had $760 worth of hail damage done to my car a month ago. My friend a few miles away had his car TOTALED because of hail. GD Global warming!! __________________ Current: 2021 M340i xDrive Previous: '18 340i xDrive; '15 335 xDrive; '14 435i xDrive; '09 335 E92 xDrive
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06-21-2010, 04:50 PM	#11
Blubaron79 Brigadier General 1435 Rep 4,724 Posts Drives: 2021 M340i xDrive Join Date: May 2009 Location: PA iTrader: (0)	Yea. Something like that with all the glass busted out... __________________ Current: 2021 M340i xDrive Previous: '18 340i xDrive; '15 335 xDrive; '14 435i xDrive; '09 335 E92 xDrive
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06-21-2010, 07:41 PM	#12
E92-Lighting 860 Rep 35,253 Posts Drives: Next Generation LED Lighting Join Date: May 2008 Location: Walnut iTrader: (324)	Ouch, hail is pretty loud in the video
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06-22-2010, 10:50 AM	#13
djkrajzi Second Lieutenant 8 Rep 285 Posts Drives: 2007 E92 328xi Alpine White Join Date: Jun 2010 Location: Chicago iTrader: (3)	yeah we did have some bad weather in chicago!!! i hid my car in my neighbors garage
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06-22-2010, 10:58 AM	#14
ragingclue One cam is enough 130 Rep 6,801 Posts Drives: VF Join Date: Oct 2008 Location: mulletville iTrader: (1)	lol more hail last night. And one of the worst cells materialized out of nowhere just a few miles SW of Plainfield. We had about 30 mins to brace for that one. Looking at the radar, there was nothing there, and then all of a sudden, BAM. Hail, winds, giant dark red spot on the map.... WTF is up with the weather around here lately?
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06-28-2010, 10:45 PM	#15
hpowders 228i Fanatic 16 Rep 969 Posts Drives: BMW 228i and BMW 328i Join Date: Nov 2009 Location: USA iTrader: (0)	Sorry to hear that.
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