Minor Body work - vandalism

by velu » Tue Feb 03, 2009 09:40 pm
Posts: 16
Joined: 08 May 2008

Hello Everybody!
Front passenger glass of my car is broken (car vandalism)...which caused some minor chip on the door...Insurance adjuster gave an estimate of around 450 dollars for fixing the door paint and 350 dollars for window glass. He said they will do color matching and repaint half of the door
Its very minor chip about 10 of them of pen dot size are there...visible only when you want to scan for chip on the door. Am still paying for my car.
Questions
1) Am not sure if they work on the body paint it will be as good as the original one... bought my car 9 months back. If I can ask the insurance agent to fix the window glass alone, will it create problem for me in the future as am on lien with the honda finance. Is there anyway I can get money from the Insurance and fix it later if the Honda finance asks me about that.

2) I have other very minor dents on the otherside of the car not happened by this incidence. can they fix that thing too?! I have full coverage. Other dents happened 3-4 months back when i was still with the same insurance. If they can...do they file separate claim for that?!

3) Will the claim on car vandalism increase my insurance premium?!

Appreciate ur help!
Thanks
velu

Total Comments: 34

Posted: Fri Feb 06, 2009 10:12 pm Post Subject:

Insurance adjuster estimated damage 750 (after deductible). Insurance is saying they will write a check only for the work done on the car not for the estimated damage. Now what to do?!

Geeze, we are having a rash of stupid adjusters lately ! :roll: Ask them to plz show you in the policy where it says they do not have to pay for ALL the damage...what state are you hon...? I'll try and find something in the fair claims practices to show this idiot. :x

Posted: Sat Feb 07, 2009 12:08 am Post Subject: Minor Body work - vandalism

Hi Lori,
Adjuster is not saying they have to pay for all the damages. They are saying... if am fixing the window glass, they will pay only for that, though there are some minor body damages in the car. They are saying they have to write a check to shop and me. Am in texas

Posted: Sat Feb 07, 2009 02:01 am Post Subject:

Velu, This is not right. They have to surley be responsible for all the damages. Surely the states dept of insurance or somebody can help this situation.

Posted: Sat Feb 07, 2009 11:20 am Post Subject:

They are saying they have to write a check to shop and me. Am in texas

Ok, that's better...they are correct since you have a lein holder they have to pay either you and the shop or you and the leinholder...just have them pay you and the leinholder and use that money toward your note. They HAVE to protect the leinholder they don't have a choice...so if you don't want to repair the damage, then have them make it out to you and lein holder...

Posted: Mon Feb 09, 2009 03:51 am Post Subject: Minor Body work - vandalism

If am getting check with my name and Leinholder (for fixing window glass and car body), how does this work?! I will be fixing the window glass with my money and then get the signature from lein holder and deposit the check?! Lein holder will get the copy of the estimate from the insurance?! If they get, will they pay me only for the window glass and take rest of the money.. as am not working on the car body?! If the lein holder wants me to repair the car body as well...will I be in a state where the check has been deposited by the lein holder (Insurance might have closed the claim because the check has been deposited) and if the repair costs more to fix the car body?!
Thx Lori, Jeremy and firey( what a rhyme?!))
Velu

Posted: Mon Feb 09, 2009 11:32 am Post Subject:

If am getting check with my name and Leinholder (for fixing window glass and car body), how does this work?!

Tell the insurance company that you want the money for the window replacement made out to you and whatever company is replaceing the window...and you want the balance (for the door repair) made to you and your lein holder...it's that simple...The leinholder will likely tell you either you fix the damage or apply that money toward your loan...they may have a policy that if it's under a certain amount they can endorse the draft to you but i doubt it...is your loan in good standing? have you been late or missed ANY payments?

(Insurance might have closed the claim because the check has been deposited) and if the repair costs more to fix the car body?!

It's nothing to reopen a claim for additional payments it happens daily...you won't know if the repairs cost more than the estimate because you're not fixing it..

They haven't issued any payment yet right?

Posted: Tue Feb 10, 2009 12:00 am Post Subject: Minor Body work - vandalism

My loan is in good standing...I jus spoke to my insurance...they are saying they cant split the check...either they can pay to shop&me or to lein holder&me. If am on good standing on loan payments...will the leon holder endorse the check and give it to me?! coz I will be paying out of my pocket to fix the window glass.
Thx
Velu

Posted: Tue Feb 10, 2009 12:31 am Post Subject:

coz I will be paying out of my pocket to fix the window glass.


How do you figure this?

What is your deductible? and how much is the glass (only) replacement? How much is the total cost of repair?

Posted: Tue Feb 10, 2009 01:34 am Post Subject: Minor Body work - vandalism

If am fixing the glass by myself -340
If am going thru insurance, car dealer will bump up to 440.
Total damage estimated by the insurance= 860 + 2days rental car (fixing both window glass and body chip)...if my car dealer work on that he will try to get atleast 1000 from insurance.
Deductible- 100$
Dont know If anything damaged inside the door
Thx
Velu

Posted: Tue Feb 10, 2009 10:37 am Post Subject:

if my car dealer work on that he will try to get atleast 1000 from insurance


Then he's a crook and you should go somewhere else!


nothing should be damaged inside the door...they will take the trim panel off and clean all the glass out..if you are only having the glass done for pete's sake don't go to the dealer! look in your phone book for an auto glass company (safelite is a huge nation wide one)..they will come to your house and replace the glass likely for about 200 bucks or less...then have then entire draft made to you and your lein holder.

If am fixing the glass by myself -340 If am going thru insurance, car dealer will bump up to 440.

You do realize you're doing business with a slim ball right? :roll: :x

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