- A Porsche 911 owner that was scratched opted to pay for repairs rather than using insurance.
- The incident resulted in an $11k total bill to fix the car, including bumper and hood replacements.
- The Subaru’s driver also opted for cash payment to avoid insurance and keep his premium low.
Looking at these pictures of a scratched-up Porsche 911 you might think that a quick touch-up paint job would do the trick. But you’d be wrong; like, really wrong. It turns out fixing this 911’s cosmetic damage will set the owner back more than $11,000. And that’s just the beginning of a stark reminder that fixing modern luxury cars is an expensive hobby.
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The car in question is a 992.2 Targa 4 GTS that’s only two months old. The owner, who’s based in the US, shared his predicament on Reddit, explaining that the front end of the Porsche was left scratched after a minor incident. He could’ve gone through insurance, but a local repair shop owner in Austin gave him some advice that made him reconsider: he suggested that paying out of pocket would actually be cheaper in the long run.
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“Shop owner said that, unless you don’t care, because of the ‘diminished value’ Carfax will peg onto your car if you use insurance, he operates with a rule of thumb”, wrote the 911 owner on Reddit. What rule is that? “Pay out of pocket up to $10,000 for every $100,000 of value of the car. More if you happen to have some disposable cash”, he explained.
That’s some sound advice. Any damage, no matter how minor, will hurt the resale value of a high-end car like this. Plenty of commenters agreed that the mechanic’s recommendation was spot-on.
A Scratch That Keeps on Giving
According to the owner, in addition to the front bumper sustaining several scratches, the hood has been lightly damaged, and both parts will need to be replaced.
The whole incident occurred due to a series of unfortunate events. After the owner parked the 911 in the driveway of his son’s friend, a Subaru reversing down the driveway collided with the Porsche. Apparently, his son’s friend was inside the Subaru but failed to notice the Porsche when they started reversing. Thankfully, the owner knows the parents of his son’s friend, and they quickly reimbursed him for the replacement parts.
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Why The Subaru Owner Avoided Insurance Too
It’s not just expensive sports cars that make some owners think twice before making an insurance claim. In this particular case, the Subaru owner is also paying cash for the repair for the exact same reasons.
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When asked, the Porsche owner shared on Reddit that the reason is simple: “It would become a Carfax line item and would diminish value,” he explained. “The father doesn’t want his 18-year-old kid’s insurance premiums to skyrocket, especially with how bad they already are for an 18-year-old male driver.”
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Why Cheap Fixes Aren’t Always the Answer
In all likelihood, the bumper and hood probably could be repaired quite nicely and for much less than $11,100. However, if you own a car like a Porsche 911, cheaping out for some touch-up paint and paintless dent removal (PDR) may not be the best idea. The reality is, when you’re dealing with a luxury vehicle, you’re better off swallowing the higher repair costs to maintain its value and avoid even bigger headaches down the road and keep its value as high as possible when the time comes to sell it.
Repair cost – 992.2 911 Targa 4 GTS.
byu/markthelender inPorsche
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