Car was keyed -insurance? - BMW 3-Series (E90 E92) Forum

Kielan · 11-05-2012, 09:22 AM

So this is the second time this has happened to my car in the past month, and my 2 passenger doors say pussy, roof has a nice gouge in it, and so does the trunk lid.

I have heard that I need a police report? Is that really true, I highly doubt anyone will have seen it happen, and if so they will be impossible to find, because really most people don't care about someone else's property in a college town. I was just going to call my insurance company and see what they say. I'm also talking to my landlord about getting a different parking spot.

Pluh, this is so frustrating.

stimpy · 11-05-2012, 09:32 AM

Had this happen to me (key gash across my hood) earlier in the year. You do not need a police report as 99% of the time there's no camera to see it and quite honestly there isn't a police department that is going to go sniffing for the culprit.

Insurance will take care of this for you using your deductible. Some companies will raise your rates and some will not considering that it's not your fault.

Kielan · 11-05-2012, 09:35 AM

That's what I figured, will insurance let me take it to a shop of my choice?

just4kickz · 11-05-2012, 09:47 AM

Quote:

Originally Posted by Kielan

That's what I figured, will insurance let me take it to a shop of my choice?

uhh they'll probably just take an estimate for the damage and then give you a check in that amount after subtracting the deductible. you can take your money anywhere... at least thats how my insurance goes.

stimpy · 11-05-2012, 09:52 AM

Quote:

Originally Posted by Kielan

That's what I figured, will insurance let me take it to a shop of my choice?

Quote:

Originally Posted by just4kickz

uhh they'll probably just take an estimate for the damage and then give you a check in that amount after subtracting the deductible. you can take your money anywhere... at least thats how my insurance goes.

^ That is most likely the case. They will have a list of their preferred shops but you should be able to take it to a shop of your choice. They will just base the amount that they give you off of what their preferred shops would charge.

xDrive35i · 11-05-2012, 11:00 AM

Let's see a pic. Some punk keyed my car last year and I knew who it was, but I couldn't prove it. Shit makes me so mad.

Kielan · 11-05-2012, 11:15 AM

Tough to capture in photos because the car is white. I'll try and get a few later, cloudy weather not making it any easier.

CliffJumper · 11-05-2012, 11:53 AM

Yes, you can take it to a shop of your choice. AND, if that amount is higher than the estimate they provided, you can usually argue for the greater amount. Insurance companies rarely give you the full value you deserve right away. They want you to work for it.

ErvGotti · 11-05-2012, 05:41 PM

If this is the second time in a month chances are it's going to happen again. Someone obviously doesn't like you as they actually spelled out pussy instead of just straight keying your car. People like this pisses me off, instead of confronting you they puss out and destroy your property. If I were you I would get a game camera like the one hunters use and set it up in a good spot. A game camera will take pictures as soon as it detects movement. I think if they've done it twice they're willing to do it again.

platnumdesi01 · 11-06-2012, 10:46 AM

Somone keyed my friends new is350 at the gym for no reason, his car was parked right in the spot. I know sometimes ppl get annoyed when you take two spots. Get a camera!

Bimmer84 · 11-06-2012, 10:49 AM

1:50 is the best one.

e92oholic · 11-06-2012, 03:02 PM

happened to my dads tundra last year, all the way around. ended up getting the whole truck repainted and all the dings taken out and it didn't cost a penny thanks to insurance.

Hawkeye · 11-06-2012, 03:47 PM

My insurance has a list of approved providers so I just take it to the shop I want and pay the shop my deductible and they take care of the rest with the company.

I can also take it to a non approved provider but it is more of a hassle and one of the preferred ones is the one I would take it to anyway so...

Game · 11-06-2012, 04:09 PM

Quote:

Originally Posted by e60oholic

happened to my dads tundra last year, all the way around. ended up getting the whole truck repainted and all the dings taken out and it didn't cost a penny thanks to insurance.

Why wouldn't he have to pay the deductible?

e92oholic · 11-06-2012, 05:35 PM

Quote:

Originally Posted by Game

Why wouldn't he have to pay the deductible?

I know a few people in the car world. We got some discounts on the paint and labor and it balanced right out.

UncleWede · 11-07-2012, 04:18 PM

Trunk monkey to the rescue!!!

stimpy · 11-07-2012, 04:35 PM

Quote:

Originally Posted by Game

Why wouldn't he have to pay the deductible?

*a lot* of bodyshops will waive the deductible if you take it to them.

11-05-2012, 09:22 AM	#1
Kielan Private Drives: Searching for a SGM 135i 6spd Join Date: Oct 2012 Location: Wilton, CT / State College, PA Posts: 56 iTrader: (0)	Car was keyed -insurance? So this is the second time this has happened to my car in the past month, and my 2 passenger doors say pussy, roof has a nice gouge in it, and so does the trunk lid. I have heard that I need a police report? Is that really true, I highly doubt anyone will have seen it happen, and if so they will be impossible to find, because really most people don't care about someone else's property in a college town. I was just going to call my insurance company and see what they say. I'm also talking to my landlord about getting a different parking spot. Pluh, this is so frustrating. __________________ - Kielan (Key-lin) flickr
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11-05-2012, 09:35 AM	#3
Kielan Private Drives: Searching for a SGM 135i 6spd Join Date: Oct 2012 Location: Wilton, CT / State College, PA Posts: 56 iTrader: (0)	That's what I figured, will insurance let me take it to a shop of my choice? __________________ - Kielan (Key-lin) flickr

11-05-2012, 11:00 AM	#6
xDrive35i Lieutenant Colonel Drives: 2011 X3 35i Join Date: Feb 2011 Location: Chicago Posts: 1,506 iTrader: (0)	Let's see a pic. Some punk keyed my car last year and I knew who it was, but I couldn't prove it. Shit makes me so mad. __________________ 2001 Audi A6 Allroad 2.7T (C5); 2005 Audi A6 4.2 Quattro (C6); 2005 BMW X5 4.4i (E53); 2008 BMW 535xi Sports Wagon (E61); 2011 BMW X3 xDrive35i (F25); 2009 Audi A4 3.2 Quattro Prestige (B8)

11-05-2012, 11:15 AM	#7
Kielan Private Drives: Searching for a SGM 135i 6spd Join Date: Oct 2012 Location: Wilton, CT / State College, PA Posts: 56 iTrader: (0)	Tough to capture in photos because the car is white. I'll try and get a few later, cloudy weather not making it any easier. __________________ - Kielan (Key-lin) flickr

11-05-2012, 11:53 AM	#8
CliffJumper Private Drives: IB E90 M3 Join Date: Jul 2007 Location: Los Angeles Posts: 72 iTrader: (0)	Yes, you can take it to a shop of your choice. AND, if that amount is higher than the estimate they provided, you can usually argue for the greater amount. Insurance companies rarely give you the full value you deserve right away. They want you to work for it. __________________

11-05-2012, 09:32 AM	#2
stimpy Colonel Drives: E92 335i Join Date: Feb 2008 Location: Phoenix AZ Posts: 2,062 iTrader: (7)	Had this happen to me (key gash across my hood) earlier in the year. You do not need a police report as 99% of the time there's no camera to see it and quite honestly there isn't a police department that is going to go sniffing for the culprit. Insurance will take care of this for you using your deductible. Some companies will raise your rates and some will not considering that it's not your fault.

11-05-2012, 05:41 PM	#9
ErvGotti Major Drives: 2008 135i 6MT Join Date: Jul 2010 Location: Ohio Posts: 1,117 iTrader: (5) Garage List 2008 135i [3.00]	If this is the second time in a month chances are it's going to happen again. Someone obviously doesn't like you as they actually spelled out pussy instead of just straight keying your car. People like this pisses me off, instead of confronting you they puss out and destroy your property. If I were you I would get a game camera like the one hunters use and set it up in a good spot. A game camera will take pictures as soon as it detects movement. I think if they've done it twice they're willing to do it again.

11-06-2012, 10:46 AM	#10
platnumdesi01 First Lieutenant Drives: 2009 335i Coupe Join Date: Jun 2011 Location: Lorton, Virginia Posts: 344 iTrader: (2)	Somone keyed my friends new is350 at the gym for no reason, his car was parked right in the spot. I know sometimes ppl get annoyed when you take two spots. Get a camera!

11-06-2012, 10:49 AM	#11
Bimmer84 Guardian of the Night Drives: 2010 335i M Sport Coupe Join Date: Oct 2010 Location: San Antonio Posts: 1,820 iTrader: (4) Garage List 2010 335i E92 [3.75]	1:50 is the best one. __________________ 2010 335i M Sport Coupe -- Black Sapphire Metallic\|Coral Red\|Loaded\|JB4 Stage 3\|BMS DCI\|VRSF DPs\|Camaross 6k AE\|Performance Gloss Black Grilles\|CF Performance Spoiler\|CF Quad Diffuser\|Double Layer Black Chrome Quad Tips\|CF Roundels\|Smoked Reflectors\|Red Cyba Scoops\|193s Painted Lamborghini Metallic Dark Gray

11-06-2012, 03:02 PM	#12
e92oholic Captain Drives: 2008 335i Coupe 6MT Join Date: Feb 2012 Location: Buffalo Posts: 747 iTrader: (5)	happened to my dads tundra last year, all the way around. ended up getting the whole truck repainted and all the dings taken out and it didn't cost a penny thanks to insurance. __________________ 2008 e92 335i 6 speed, Intake 2005 Sea Doo RXT (stock for now....) 2004 545i 6 speed, lots of mods- SOLD

11-06-2012, 03:47 PM	#13
Hawkeye Brigadier General Drives: '07 Z4 si Coupe, '08 R6 Join Date: Aug 2007 Location: Iowa City, IA Posts: 3,570 iTrader: (0) Garage List 2008 Nissan Titan XE [0.00] 2008 Yamaha R6 [0.00]	My insurance has a list of approved providers so I just take it to the shop I want and pay the shop my deductible and they take care of the rest with the company. I can also take it to a non approved provider but it is more of a hassle and one of the preferred ones is the one I would take it to anyway so... __________________ 2007 Z4 3.0si Coupe • 6 MT • Black Saphire Metallic • PP • SP • Heated M Seats • Clutch Stop • Stubby 2008 R6 • Raven Black • GPR Steering Stabilizer • Comp Werks FE • Hotbodies Flush Mount Blinkers 2008 Nissan Titan XE King Cab Long Bed • 4x4 • Line-X

11-07-2012, 04:18 PM	#16
UncleWede Long Time Admirer, First Time Owner Drives: E90 325i Arctic Join Date: Jun 2005 Location: Oxnard, CA Posts: 2,258 iTrader: (0)	Trunk monkey to the rescue!!!

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