by velu » Tue Feb 03, 2009 09:40 pm
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
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
Posted: Tue Feb 10, 2009 03:14 pm Post Subject: I disagree
I disagree Lori. Many times we have had customers who have had a door glass installed right away by companies like Safelite, then schedule with us to do the rest of the repair. We have found lots of ugly stuff missed, done wrong, or not done at all. It looks like someone was in a huge hurry and didn't care.
Sometimes the belt mldgs or glass weatherstrips get damaged from the tool used to break the glass, or the glass shards themselves. IMO the crooks are the ones who see the damage, but don't repair it or point it out to the vehicle owner.
I don't know what type of car this is but some have a large mfr. logo on the glass. It doesn't look right if an aftermarket glass is installed and doesn't have it. I have had adjusters tell me, "sorry we have to use the aftermarket glass." I have taken a picture of the logo, e-mailed it to them and cc'd the customer, then they called back and said "go ahead and use the OEM." :D
Posted: Tue Feb 10, 2009 06:23 pm Post Subject:
Not all glass companies are bad to work with. I recently had the side window taken out of my dodge quad cab and had to have a new one put in. They did an excellent job of vacuuming all the glass and the guy put forth his best effort and I got a great window job from him.
I paid the guy $50 and have not had a problem. I think when a place jacks up the price on something that could cost a lot less (like the above) it appears to be very shady. I myself would question whether I would want to continue to do business with this type of place.
Sure it may be to the posters benefit this time around but what if he were to take the vehicle to that place for a mechanical problem? How would he know they did not jack up the price on him causing him to pay out more money. To me there is something to be said about honesty.
Posted: Tue Feb 10, 2009 07:56 pm Post Subject: Minor Body work - vandalism
As cascade mentioned...I wud prefer not to get those things done from other shops where they dont put Honda glass. If the lein holder asks the receipt atleast I can show them something done by a honda dealer.
If am getting check with my name and the lien holder...do I have to show the work order or receipt to my lien holder to endorse the check?! In that case I will be having WO only for window glass not for the body work...:roll: As the body damage is very very small...I wud'nt be interested to work on that if the lien holder forces me to do to endorse the check
It is not only that dealer who bumps up the rate...all auto dealers are like that...first Question from them is I'm paying for it or the insurance pays, if the insurance pays then they will try to get as much as possible from them, some shops have even told me they will give me some money after they get it from the insurance.
Posted: Tue Feb 10, 2009 09:11 pm Post Subject:
Many times we have had customers who have had a door glass installed right away by companies like Safelite, then schedule with us to do the rest of the repair. We have found lots of ugly stuff missed, done wrong, or not done at all. It looks like someone was in a huge hurry and didn't care.
Nothing like glass shards left in the window guide channels to ruin them with time and glass stuck to the grease that the glass sash runs up and down on metal post driven by a cable that drags small pieces of glass into the motor housing to add potential wear to the gears in the motor. The mobile glass vendors don't ask for these additional necessary procedures most of the time. If the insurer did not want to r&i all these parts and thoroughly clean or replace them I'd kick the job to the curb to avoid the potential problems down the road; or I would get a hold harmless agreement signed from the vehicle owner stating they or their insurer would not pay for the additional repairs removing the liability for premature wear from myself.
It is not only that dealer who bumps up the rate...all auto dealers are like that...first Question from them is I'm paying for it or the insurance pays, if the insurance pays then they will try to get as much as possible from them, some shops have even told me they will give me some money after they get it from the insurance.
First part, not all shops jack up the rate just because the insurer is reimbursing you for the loss. Some shops actually work for the vehicle owner and not the insurer and they take direction from the vehicle owner on how they wish to have their vehicle repaired. If insurance is involved, your insurer has a contractual right to investigate the claim, but not necessarily determine the cost based on the language of the policy.
Second part, about the shop offering money back,,,,sounds like you could endanger yourself into being a party to conspire to commit insurance fraud should you agree to this proposition.
Posted: Wed Feb 11, 2009 01:58 am Post Subject:
Dave, I understand all that, and that is not at all what i'm talking about being crooks, and you're right there are some crappy glass companies too...I'm saying that shop is a crooked shop because they are jacking up the price for insurance companys and they are covering deductibles...that's a crooked shop..
If am getting check with my name and the lien holder...do I have to show the work order or receipt to my lien holder to endorse the check?!
Honey, they are not going to endorce that draft unless you take it them or a dealership they allow to inspect all the work has been done...they will apply it to your loan though...without the repair (all i've ever been involved with do)...It is not only that dealer who bumps up the rate...all auto dealers are like that...first Question from them is I'm paying for it or the insurance pays, if the insurance pays then they will try to get as much as possible from them, some shops have even told me they will give me some money after they get it from the insurance.
Well they don't ALL do that, and those that do I would run screaming from...if they are doing this, I'd be alittle concerned that I got half of what I paid for...Second part, about the shop offering money back,,,,sounds like you could endanger yourself into being a party to conspire to commit insurance fraud should you agree to this proposition.
AND if you knowingly agree that they will jack the prices up for an 'insurance job'...good night nurse i thought this kind of stuff went down the tubes 15 years ago :roll:In that case I will be having WO only for window glass not for the body work... As the body damage is very very small...I wud'nt be interested to work on that if the lien holder forces me to do to endorse the check
Velu I really don't get why this is all a problem to you...pay the shop yourself to have the glass replaced for 340.00 then send the draft of 860 to your lein holder to either apply directly to the principle (smartest decision) or use toward your next couple of payments...you're still getting the money..so what is the problem? maybe i'm not understanding what you want..Brother Dave,
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.
first Question from them is I'm paying for it or the insurance pays, if the insurance pays then they will try to get as much as possible from them, some shops have even told me they will give me some money after they get it from the insurance.
How is it you don't think this shop is a crook? or shady at best? :?Posted: Wed Feb 11, 2009 03:57 am Post Subject:
some shops have even told me they will give me some money after they get it from the insurance.
That is a crook! I missed that.... The other part about charging more if an insurer is involved I have heard before, and I think it is often a misunderstanding.
We try to help customers make good decisions, I have told customers before that instead of turning in a claim, that If I were them I would just repair part of the damage like just replace the glass, and just brush touch the chips. If they want to make it perfect pay your deductible and get your insurance company involved. Are you sure that is not what happened here?
Posted: Wed Feb 11, 2009 11:37 am Post Subject:
The other part about charging more if an insurer is involved I have heard before, and I think it is often a misunderstanding.
How is this a misunderstanding dave?Total damage estimated by the insurance= 860 + 2days rental car
if my car dealer work on that he will try to get atleast 1000 from insurance.
If am fixing the glass by myself -340
I totally get what you are saying Dave, I say that to insured's as well...and give them full options, to repair or not repair, to repair just part and the rest comes off deductible or they get that money themselves...but this is totally different...this jerk is saying if you're paying for it it's one price if the insurance is it's a lot more...and i'm going to bump up and pad my estimate for all insurance work...come on dave that's a crook! and I know you would never be party to such a thing.If am going thru insurance, car dealer will bump up to 440
Posted: Wed Feb 11, 2009 12:56 pm Post Subject:
I know you would never be party to such a thing.
Of course not, and velu shouldn't either. I don't see how this could happen, especially without some sort of fraud taking place. And then velu would be a part of it also.
Posted: Wed Feb 11, 2009 01:10 pm Post Subject:
I don't see how this could happen, especially without some sort of fraud taking place
It couldn't that's the point... it's clearly fraud, and open fraud at that (meaning Velus is would be knowingly committing fraud) ...if that shop goes down Velu is going down too...in fact since she is in a contractual relationship with her carrier she might/could be the only one that goes down....what are the penaltys/jail terms for insurance fraud now?
Posted: Wed Feb 11, 2009 01:23 pm Post Subject:
what are the penaltys/jail terms for insurance fraud now?
Isn't the internet great?
a) Whoever, with the intent to defraud any person, shall make or cause to be made any false representation concerning the requirements of this chapter, of chapter 2, 21, or 23 of the Internal Revenue Code of 1986, or of any provision of subtitle F of such Code which corresponds (within the meaning of section 7852(b) of such Code) to a provision contained in subchapter E of chapter 9 of the Internal Revenue Code of 1939, or of any rules or regulations issued thereunder, knowing such representations to be false, shall be deemed guilty of a misdemeanor, and, upon conviction thereof, shall be punished by a fine not exceeding $1,000, or by imprisonment not exceeding one year, or both.
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