Need some advice - my car got a toxic yellow fluid leaked on it while parked in my building garage. A pipe leaked - building has no idea what it is. They paid for a detailing guy to clean the damage on my car but it didn’t work. Itll need a new paint job. Building is now asking me to submit a claim to my car insurance and send them the deductible bill. My question is - why tf would I submit a claim for this? Itll affect my insurance for no reason. Thoughts?

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Hahaha. They don’t get to dictate that.

But let’s be honest it’s a 10+ base model BMW. It’s not getting repainted. Paint jobs are $8k. You’re entitled to the difference in value which will be closer to $2k-3k based on numbers I just invented.

In your position, I’d get a quote for painting (ceiling) and get a trade in quote from the dealer and have them identify how much they’re dinging you for the paint (floor). My initial demand to the garage would be the ceiling amount , but ultimately I’d accept anything higher than the floor amount.

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SC1: and they make it illegal to not participate in the racket. You don’t pay for an insurance policy, you pay an insurance bill

Car is also a 2011 BMW 328, so not a brand new vehicle at all. Planning on selling it in a few months and getting a new car.

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Will it really affect your insurance? It’s as if you got hit while parked by someone you can identify. Your insurance will go after your building. I don’t know what insurance you have, but I’d call a claims agent and discuss.

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It’s also a fairly minor paint corrosion, but fixing it would require painting the entire panel that goes from the backside / door panel of the car to the front. Should I just get a quote from a paint / body shop and ask them to foot the bill?

Ok. Now that you’ve said this, you’re probably right over your deductible. I’d get a quote to fix the problem then bill your building.

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