by mca123 » Thu Aug 21, 2008 04:59 am
Hi, I am new to this board. Hope you guys can hlep
Well, I have a new Lexus IS that has 4K miles (about 2 months old). I got rear ended pretty hard. I called to place a claim against the other drivers ins company. I took it to the dealers body shop. So I ended up getting a rental. I was told that it would be fixed in about 3 weeks.
Last Friday, i get a call from the shop stating that the other ins company wants the car fixed in a manner that the shop disagrees with. The gaps from the rear doors and the both rear quarter panels are not uniform (gap is larger at the top and bottom). The other ins company stated that is fine and they will not authorize them to replace both quarter panels. So today, both parties are a stand still after meetings with the supervisors at the other ins company. The shop does want to fix it in that manner and the ins company does not want to replace the panels. The shop stated they are an authorized repair shop for my ins company and I should contact them. I spoke to the other ins company and told them that I agree with the shop and would contact my ins company. I get a call a little after 1:30 pm from the other ins company demanding I return the rental today. What BS is this, I asked to speak with her supervisor twice but she kept changing the subject. I ended up taking time off of work and arranged a friend to pick me up from the rental place before they closed. So I called an filed a claim with my ins company. They are sending out someone to look at the car tomorrow.
My question is what happens to the 2+ weeks I had the rental car and am I in limbo with my car?
Well, I have a new Lexus IS that has 4K miles (about 2 months old). I got rear ended pretty hard. I called to place a claim against the other drivers ins company. I took it to the dealers body shop. So I ended up getting a rental. I was told that it would be fixed in about 3 weeks.
Last Friday, i get a call from the shop stating that the other ins company wants the car fixed in a manner that the shop disagrees with. The gaps from the rear doors and the both rear quarter panels are not uniform (gap is larger at the top and bottom). The other ins company stated that is fine and they will not authorize them to replace both quarter panels. So today, both parties are a stand still after meetings with the supervisors at the other ins company. The shop does want to fix it in that manner and the ins company does not want to replace the panels. The shop stated they are an authorized repair shop for my ins company and I should contact them. I spoke to the other ins company and told them that I agree with the shop and would contact my ins company. I get a call a little after 1:30 pm from the other ins company demanding I return the rental today. What BS is this, I asked to speak with her supervisor twice but she kept changing the subject. I ended up taking time off of work and arranged a friend to pick me up from the rental place before they closed. So I called an filed a claim with my ins company. They are sending out someone to look at the car tomorrow.
My question is what happens to the 2+ weeks I had the rental car and am I in limbo with my car?
Posted: Fri Aug 22, 2008 12:46 pm Post Subject:
I checked my paper work and it does say 80%. I guess I went cheap on the rental coverage.
Posted: Fri Aug 22, 2008 12:51 pm Post Subject:
yeah, that's what I thought...they cannot pay you more than the coverage you have so they are doing all they can....IF you decide to rent though and pay the 20% out of pocket ask them if they won't include that 20% as well in their subrogation demand and re-coup that for you as well...I'm pretty sure they will...''If'' you rent a car...otherwise I'm sure they will go for their 10 bucks a day along with your deductible...
Hey I don't remember if we asked or if you said, were you or any passengers in your vehicle injured? If so of course there will be an injury settlement down the line as will...that is TOTALLY separate from the vehicle damage claim.
Posted: Fri Aug 22, 2008 01:07 pm Post Subject:
I was alone in the car. I declined medical attention. I had a sore neck/back for a few days.
Posted: Fri Aug 22, 2008 03:54 pm Post Subject:
Ask Progressive to send you a check for your deductible and direct bill your rental car. Most insurance companies will do this if you are going through your own company. It usually just takes a phone call from adjuster to adjuster to confirm your deductible and a phone call to the rental car company.
Posted: Fri Aug 22, 2008 09:28 pm Post Subject:
absolutely, or your carrier should go ahead and waiving your deductible since progressive has accepted liability...might be a small issue with the rental since you had that issue about the repair, but they should still pay for your rental without issue for the days it would've been down according to their sheet....the other can be fought out later between companies...
Posted: Sat Aug 23, 2008 08:13 am Post Subject:
I just want to thank everyone for all the help.
I just spoke with the shop today and State Farm did give the go ahead to replace both quarter panels. Wow, all this drama and it is still getting replaced.
One last question. KBB states that my trade-in value is at 29,375 and private party sell at 32,345. When SF calls me next week about the diminished valued on my car it is based on the trade in value. Correct? Should I go out to a few Lexus dealers and ask how much they will give me for my car with the damage to rebut a low ball calculation from SF?
Thanks again!
Posted: Sat Aug 23, 2008 10:31 am Post Subject:
Correct? Should I go out to a few Lexus dealers and ask how much they will give me for my car with the damage to rebut a low ball calculation from SF?
Yes, but what they owe you is the DIFFERENCE between what the value was prior to the wreck and after the repair..Add your comment