# Please advice us what to do. Thanks **URL:** \ **Category:** General Discussion\ **Created:** [October 23, 2018, 11:13pm UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435 "2018-10-23T23:13:26Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![omsairam911](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/omsairam911/32/2363_2.png) [@omsairam911](https://community.cartalk.com/u/omsairam911)\ **Post date:** [October 23, 2018, 11:13pm UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/1 "2018-10-23T23:13:27Z")
Dear Car Talk Community, I need your help and guidance. My son ( not a minor) was parking and scratched the bumper of a 2015 GMC Sierra 1500 Denali. He left a note under the windshield along with his cell number. The owner called him and said that he will get an estimate for getting the scratch on the bumper removed or taken care of. Today he sent an estimate to get the entire bumper replaced and the cost is $1214.84. We thought that it might cost under 500 bucks to get the scratch removed and need not go through the insurance. Please let me know what to do. Not sure why the entire bumper needs to be replaced. Do I report this incident to the insurance company, pay the 500 deductible and have the guy get his bumper replaced? Or negotiate with the car owner and pay him 500 bucks and have him get the scratch taken care of. Do I go to the small claims court and get this resolved? ![image](https://global.discourse-cdn.com/cartalk/original/2X/a/a4d783b0d2dc5cc7f68385e5192bc447163d22a2.jpeg) ---
**Author:** ![Mustangman](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/mustangman/32/44130_2.png) [@Mustangman](https://community.cartalk.com/u/Mustangman)\ **Post date:** [October 23, 2018, 11:16pm UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/2 "2018-10-23T23:16:34Z")
Turn it into the insurance company. It is what you pay them for. ---
**Author:** ![It\_s-Me](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/it_s-me/32/12660_2.png) [@It\_s-Me](https://community.cartalk.com/u/It_s-Me)\ **Post date:** [October 23, 2018, 11:43pm UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/3 "2018-10-23T23:43:30Z")
> [@omsairam911](#): > > Today he sent an estimate to get the entire bumper replaced and the cost is $1214.84. Option 1 - pay the 1214.84 > [@omsairam911](#): > > Do I report this incident to the insurance company, pay the 500 deductible and have the guy get his bumper replaced? Option 2 - Turn it into your insurance and let them deal with it, Your rates may go up by doing this. > [@omsairam911](#): > > Or negotiate with the car owner and pay him 500 bucks and have him get the scratch taken care of There is nothing to negotiate, the guy wants his car fixed correctly. > [@omsairam911](#): > > Do I go to the small claims court and get this resolved? Why would you take the other guy to small claims court ? He is the one with damages that you owe for. ---
**Author:** ![VOLVO-V70](https://avatars.discourse-cdn.com/v4/letter/v/8e8cbc/32.png) [@VOLVO-V70](https://community.cartalk.com/u/VOLVO-V70)\ **Post date:** [October 23, 2018, 11:50pm UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/4 "2018-10-23T23:50:40Z")
> [@omsairam911](#): > > Do I report this incident to the insurance company That call should have been made while standing by the vehicle he hit . I also don’t understand the small claims remark. ---
**Author:** ![db4690](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/db4690/32/2583_2.png) [@db4690](https://community.cartalk.com/u/db4690)\ **Post date:** [October 24, 2018, 12:13am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/5 "2018-10-24T00:13:41Z")
If this happened today, call your insurance agent NOW give the agent all the information, including the other guy’s name, phone number, etc. I’m kind of surprised the truck owner didn’t just contact his own insurance . . . it would have been a lot easier When you handle things off the books, it can get ugly in a hurry ---
**Author:** ![omsairam911](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/omsairam911/32/2363_2.png) [@omsairam911](https://community.cartalk.com/u/omsairam911)\ **Post date:** [October 24, 2018, 12:17am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/6 "2018-10-24T00:17:17Z")
He took the truck to get an estimate, first he said he will get the scratch buffed and today he sent an estimate. ---
**Author:** ![db4690](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/db4690/32/2583_2.png) [@db4690](https://community.cartalk.com/u/db4690)\ **Post date:** [October 24, 2018, 12:18am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/7 "2018-10-24T00:18:53Z")
You should put your own insurance agent in touch with the truck owner . . . ---
**Author:** ![omsairam911](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/omsairam911/32/2363_2.png) [@omsairam911](https://community.cartalk.com/u/omsairam911)\ **Post date:** [October 24, 2018, 12:19am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/8 "2018-10-24T00:19:41Z")
will do thanks ---
**Author:** ![Barkydog](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/barkydog/32/2470_2.png) [@Barkydog](https://community.cartalk.com/u/Barkydog)\ **Post date:** [October 24, 2018, 12:55am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/9 "2018-10-24T00:55:24Z")
Going against the grain here, pay the $1200 and be done with it, You can request second estimates but I d not think this guy is out to screw you. ---
**Author:** ![Scrapyard-John](https://avatars.discourse-cdn.com/v4/letter/s/f6c823/32.png) [@Scrapyard-John](https://community.cartalk.com/u/Scrapyard-John)\ **Post date:** [October 24, 2018, 1:00am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/10 "2018-10-24T01:00:47Z")
Geez, that doesn’t look like $1200. I agree, turn it in on insurance. I wouldn’t be surprised if the guy just buys some touch up paint and pockets the $1200 if he gets the opportunity. ---
**Author:** ![omsairam911](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/omsairam911/32/2363_2.png) [@omsairam911](https://community.cartalk.com/u/omsairam911)\ **Post date:** [October 24, 2018, 1:15am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/11 "2018-10-24T01:15:18Z")
Latest update: My son called the guy for his name and number. He said that he will accept $500 bucks and get the bumper taken care of himself. This is the same amount as my sons deductible. In return, he is willing to sign a note stating that the bumper scratch has been paid for. So, what do you guys think? ---
**Author:** ![It\_s-Me](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/it_s-me/32/12660_2.png) [@It\_s-Me](https://community.cartalk.com/u/It_s-Me)\ **Post date:** [October 24, 2018, 1:18am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/12 "2018-10-24T01:18:32Z")
Get him his $500 before he changes his mind ---
**Author:** ![omsairam911](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/omsairam911/32/2363_2.png) [@omsairam911](https://community.cartalk.com/u/omsairam911)\ **Post date:** [October 24, 2018, 1:20am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/13 "2018-10-24T01:20:53Z")
Dear Car Talk Community, Thanks as always for your advice. Have a pleasant night. ---
**Author:** ![BillRussell](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/billrussell/32/3179_2.png) [@BillRussell](https://community.cartalk.com/u/BillRussell)\ **Post date:** [October 24, 2018, 1:24am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/14 "2018-10-24T01:24:35Z")
I agree. I rue the day when bumpers became a style item, and not real bumpers (something to bump into) I park on the street about once a week, and all my cars wind up with extensive scratches on both bumpers, part of parking. If I replaced the bumper cover or touched it up after every scratch, I’d be spending a fortune. Note that all of these scratches were while parked, and no-one ever left me a note about them. ![170](https://global.discourse-cdn.com/cartalk/original/2X/9/937b722f1c5f72c0e7f3764d8af6af5eee453193.jpeg) ---
**Author:** ![asemaster](https://avatars.discourse-cdn.com/v4/letter/a/5f9b8f/32.png) [@asemaster](https://community.cartalk.com/u/asemaster)\ **Post date:** [October 24, 2018, 1:28am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/15 "2018-10-24T01:28:50Z")
> [@BillRussell](#): > > I park on the street about once a week, and all my cars wind up with extensive scratches on both bumpers, part of parking. Where do you live? If parking your car results in your vehicle touching mine you have done something very wrong and need further training. I’ve had cars that were 15 years old with 150,000 miles that didn’t have nearly as much bumper rash as you show. ---
**Author:** ![George\_San\_Jose1](https://avatars.discourse-cdn.com/v4/letter/g/e5b9ba/32.png) [@George\_San\_Jose1](https://community.cartalk.com/u/George_San_Jose1)\ **Post date:** [October 24, 2018, 1:31am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/16 "2018-10-24T01:31:38Z")
Maybe there’s a dollar amount he’ll accept in return for forgetting about who did the damage. If I were the one whose car got damaged like that, which is really just minor damage, if replacing the bumper cost $1200 and I was offered $500 in cash to end further discussion of the matter, I’d take it, and buff the majority of the damage out myself. Any damage remaining visible after my buffing job would remind me daily of my good fortune of $500 in found money. I’d use some of that $500 to take my significant other out to the movies & dinner, and then everyone winds up happy. ---
**Author:** ![lion9car](https://avatars.discourse-cdn.com/v4/letter/l/59ef9b/32.png) [@lion9car](https://community.cartalk.com/u/lion9car)\ **Post date:** [October 24, 2018, 1:31am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/17 "2018-10-24T01:31:39Z")
> [@asemaster](#): > > If parking your car results in your vehicle touching mine you have done something very wrong and need further training. I agree with you, but apparently in many big cities this isn’t the mindset. ---
**Author:** ![omsairam911](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/omsairam911/32/2363_2.png) [@omsairam911](https://community.cartalk.com/u/omsairam911)\ **Post date:** [October 24, 2018, 1:39am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/18 "2018-10-24T01:39:56Z")
The parking garage is very tight. This car was sticking out of the lot, especially the big bumper. So, the minor accident. ---
**Author:** ![BillRussell](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/billrussell/32/3179_2.png) [@BillRussell](https://community.cartalk.com/u/BillRussell)\ **Post date:** [October 24, 2018, 1:52am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/19 "2018-10-24T01:52:28Z")
I’m careful not to hit the cars in front and back. But what happens when my car is sitting there and the car in front or back leaves and someone else parks there, is out of my control. Once found my car pushed about 5 ft into the pedestrian crossing. Car was about 10 years old at that point. Boston. ---
**Author:** ![George\_San\_Jose1](https://avatars.discourse-cdn.com/v4/letter/g/e5b9ba/32.png) [@George\_San\_Jose1](https://community.cartalk.com/u/George_San_Jose1)\ **Post date:** [October 24, 2018, 1:52am UTC](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435/20 "2018-10-24T01:52:39Z")
Just yesterday my Corolla was parked on a neighborhood street, about 15 feet before an entrance to a parking lot . Somebody turning into the parking lot apparently wasn’t paying att’n and brushed against the front bumper, creating a couple of marks of silver paint. Fortunately the surface of the bumper is made of some kind of black rubber-like material and the marks rubbed off with a little soap and water and one of those green pads you wash dishes with, without much in the way of residual appearance. Stuff like that happens, and is best avoided by choosing the parking spot more carefully. I learned my lesson and won’t park in that spot again. [Next page](https://community.cartalk.com/t/please-advice-us-what-to-do-thanks/127435.md?page=2)