#CollisionRepair

A lady backed into my Mustang a few weeks ago. She was cool and fessed up. I let the insurance companies figure it out. The Ford dealer says “we need to do a quarter panel replacement.” The body side is one stamping, so they need to cut into the roof and the door sill. They have a quarter of the car torn apart — deck lid off, interior trim, fascia, all in pieces .

I know the world has changed, but I’ve seen a lot worse banged out. I guess I should be happy that it’s not stuffed with body fill. I’m just a little worried about all the electrical, plugs, sensors and who knows what else? The damage didn’t look that bad.

Should I be confident that the Ford dealer can put it back together correctly?

Owning a range-topping Cadillac is supposed to be a trouble-free affair, and — barring gremlins — it still can be, so long as your sharp-edged, oddly light CT6 remains unbent and unbroken.

Cadillac’s liberal use of high-strength aluminum in the sedan’s body structure won accolades when the CT6 debuted for the 2016 model year. Body stiffness, curb weight, and fuel economy all benefit from this mingling of metals. However, trouble arises when those carefully bonded metals come apart.

As it turns out, fixing a damaged CT6 could prove difficult for many of the model’s 7,876-plus owners.

Rising insurance premiums are a plump grape in the cornucopia of adult annoyances, but they grow into a ripe apple when forces outside of your control cause them to skyrocket.

Now, imagine that there’s only one insurance provider, and you already pay taxes towards it. That’s the reality in several provinces north of the border, but one jurisdiction just crashed head-on into an unforeseen problem: new money, and the skyrocketing increase in six-figure vehicle ownership that came with it.

To save the owners of Malibus and Journeys from a major jump in premiums caused by ultra-pricey supercar repairs, one Canadian province has taken drastic steps.

Scott writes:

Sajeev,

I’ve got a two-year-old 2015 Golf with a scarred rear bumper after an encounter with a stone wall (lesson learned — use the mirrors to complement the fuzzy nighttime camera image). Two repair estimates for refinishing the bumper cover average $525.00. The damage is down low behind the rear wheel and I can live with the gouge, for now.

However, I’m wondering about being gouged later when I inevitably decide to trade the car in (probably a few years). My question is: Fix it now, fix it before I sell the car, or don’t worry about it and roll the dice on what a dealer will ding me at trade-in time?