by velu » Tue Jun 16, 2009 08:03 pm
Somebody made a dent and a deep scratch in my parked car, I dont know who did it...I noticed it after 2 days. I reported it to my insurance thinking it wud come under comrehensive(100$ deductible), but they wanted to go under uninsured motorist collision (250$ deductible). Can I ask them to do under comprehensive?!am I eligible for it?
I have 3 estimates for the damage
Dealer 1 Estimate: 731$ (Initial quote)
Dealer 2 Estimate: 1672$
Insurance Estimate: 936$- 250$ deductible= 686$
If I get a check for 936$ and get that work done from dealer 1 (731$), if dealer 1 claims there are more damages to the car, will it end up in me paying for the rest of the damage or can I again go back to insurance and ask them to deal with dealer 1?!
Thanks for your answers
I have 3 estimates for the damage
Dealer 1 Estimate: 731$ (Initial quote)
Dealer 2 Estimate: 1672$
Insurance Estimate: 936$- 250$ deductible= 686$
If I get a check for 936$ and get that work done from dealer 1 (731$), if dealer 1 claims there are more damages to the car, will it end up in me paying for the rest of the damage or can I again go back to insurance and ask them to deal with dealer 1?!
Thanks for your answers
Posted: Thu Jun 18, 2009 03:08 pm Post Subject: Is it Comprehensive or uninsured motorist Collision
Thanks! I suspect more damages because, dealer 2 quoted 1672$ more than double that of dealer 1. Dealer 2 was saying there are some clips, pins and althose..once removed it cant be used. Dealer 1 didnt say anysuch things, thats why wondering if the damages are more will I have to pay that extra cost
Posted: Thu Jun 18, 2009 03:12 pm Post Subject: Is it Comprehensive or uninsured motorist Collision
The adjuster said its umpd, but i spoke to his manager, she said, she will discuss with material evaluation team to find out the cause for that accident...am waiting for their response!
Posted: Fri Jun 19, 2009 05:39 am Post Subject:
Hi Velu.
Dealer 2 was saying there are some clips, pins and althose..once removed it cant be used.
What does the appraiser say about it? What is his estimation?
Was the first dealer recommended to you by the insurance company?
Posted: Fri Jun 19, 2009 05:44 am Post Subject:
Hi Velu,
The adjuster said its ump
Do you have collision coverage? What is it deductible?
I think deductible is your main concern regarding filing under UMPD. Does your collsion coverage has lower deductible than UMPD?
Posted: Fri Jun 19, 2009 01:47 pm Post Subject: Is it Comprehensive or uninsured motorist Collision
Deductibles
Collision: 500
umpd: 250
comprehensive: 100
I have 3 estimates for the damage
Dealer 1 Estimate: 731$
Dealer 2 Estimate: 1672$
Appraiser Estimate: 936$- 250$ deductible= 686$
Appraiser said I can take my car anywhere i want to for the repair.
I was wondering if the dent is happened when the other car door banged in to my door, will it be comprehensive?!
Thx
Posted: Sat Jun 20, 2009 05:58 am Post Subject:
I was wondering if the dent is happened when the other car door banged in to my door, will it be comprehensive?!
Nope, it'd still come under collision. Following are the few causes that are covered under comprehemsive.
Hope it'd help you in understanding about the function of comprehensive coverage.
Add your comment