hey guys sorry if this has been answered.
but on my way home tonight i hit a racoon. it cracked my lower bumper in 2 places and popped my lower grill outa place.
has anyone experienced this?
does insurance cover it?

 

How's the raccoon?

 

lol dead.

 

You'll have to check your insurance policy. It should state what it covers.

 

Did you even try to give it mouth-to-mouth?

 

If you have full covered it will be covered

 

Even if your insurance does cover it, your deductible is probably higher than the cost of buying a new bumper.

 

Depending on local labor rates:

-Paint, supplies & prep = $300-$400
-Front bumper cover & install = $250-$350

I see you at least paying out pocket for bumper cover.

 

If you do have full coverage on your car, then your insurance should cover it. The front bumper itself is about $250. Getting it painted will probably cost you an additional $200. Installation of the bumper itself you can do on your own pretty easily so you are looking at about maybe $500 out of pocket if you buy it yourself, have it painted, and install it yourself. If you have your insurance pay for it, all you have to pay for is the deductible, which will hopefully be less than $500. Also, knowing body shops, they're going to find stupid ways of making an easy fix expensive just to get the most money they can. In that case, its better to go with the cost of the deductible.

My insurance paid to get my front end repainted and also replaced my front windshield because i drove through a dust storm. Since the OEM paints pretty crappy, my car came out of it with freckles and lots of chips on my windshield. I only paid a $200 deductible, the total bill from the shop was $1000+.