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BMW 3-Series (E90 E92) Forum > BMW E90/E92/E93 3-series General Forums > General E90 Sedan / E91 Wagon / E92 Coupe / E93 Cabrio > Deep dent on my car, should I upgrade my insurance?



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      04-26-2011, 04:02 PM   #1
sunnysocal234
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Angry Deep dent on my car, should I upgrade my insurance?

So I was driving to work and I heard a loud clonk on the passenger side of my car. When I get to work, I look to see that I have a really deep 1 inch red dent next to my gas tank. Now I've asked an auto repair place before about repairing things on this panel and he said it wouldn't be cheap because it's a large panel and they have to blend it.

So here's my dilemma...

Right now I have a pretty high deductible. I can either file collateral and pay the deductible to fix my dent,

--or--

I upgrade my deductible to something very low and then report the dent as something I got after the upgrade.

my question is, has anyone tried to do this before? and what are the chances of this working out in my favor? Is there any way they can tell that the dent was from a long time ago versus recently?

I'm thinking about upgrading, and then waiting a month to claim it. Any ideas or advice would be helpful. Thanks!
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      04-26-2011, 04:15 PM   #2
BMWUltimateDriv3r
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Wow, that is really unethical.
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      04-26-2011, 04:21 PM   #3
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Show us a picture of the dent- most small dents can be repaired without paint.

I would not be committing fraud, regardless.
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      04-26-2011, 04:24 PM   #4
Gregxi
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Sucks you got the dent, but why go through the hassle of making a new username to make this post?
Are you afraid of Insurance fraud?
Because thats what it is
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      04-26-2011, 04:29 PM   #5
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and this is (partly) why we pay so much for insurance
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      04-26-2011, 04:31 PM   #6
cssnms
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So let me get this straight... Your car gets dented, then you come this forum and start a thread asking for feedback about defrauding your insurance company? You do know insurance fraud is a felony right?
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      04-26-2011, 04:33 PM   #7
wren57
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I advise against committing insurance fraud.

http://www.insurance.ca.gov/0100-con...-is-felony.cfm

Beyond being highly unethical, it is a crime.
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      04-26-2011, 04:45 PM   #8
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I'm no fan of insurance companies. After all, they say sell life insurance or an annuity, and they have ways of not paying out. And, they even charge a mortality risk expense in case you die too soon, or live too long, and mess up what their actuaries were thinking. Then car insurance uses used parts (some that advertise on TV with animals that are green, have an Australian accent and a long tail) to fix 2010 BMW's. Pretty bad are health insurance providers who look to see if you have a lapse in coverage for say 63 days, and if so, you won't be covered due to a preexisting condition.

For all the cheating (morally speaking, all legal) that insurance companies do, so that the CEO can have a shore house, corporate jet, and medical doctors as lackeys, I would never condone fraud, which is what the OP is suggesting.
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      04-26-2011, 04:51 PM   #9
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I bet if the State dept of insurance asked E90 for the contact information...
http://www.e90post.com/forums/showthread.php?t=522176
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      04-26-2011, 05:18 PM   #10
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yes, they can use carbon dating and then you'd go to jail. Don't risk it!
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      04-26-2011, 05:37 PM   #11
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As everyone else said, your original fraud idea sucks. And unless the damage is significantly more than your deductible, I'd avoid filing the claim at all because a collision claim will most likely increase your premium more than the ins. co. pays out!

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      04-26-2011, 07:45 PM   #12
Nelly68
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I used to work for insurance company. Any time someone reports a "Loss" one of the first things they review to verify coverage is see what changes have been made to your policy. Adding coverage or changing deductibles within 60-120 after a loss is reported is a major red flag.
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      04-26-2011, 08:23 PM   #13
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Quote:
Originally Posted by Nelly68 View Post
I used to work for insurance company. Any time someone reports a "Loss" one of the first things they review to verify coverage is see what changes have been made to your policy. Adding coverage or changing deductibles within 60-120 after a loss is reported is a major red flag.
I think the OP should do it. He'll be able to try out the spacious rear seat of a Crown Vic and will make new friends in the pen.

Aside from red flags, insurance companies are cracking down on fraud and there are many instances where insurance companies are prosecuting to the full extent.
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