accident advise

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PostPosted: Sun Jan 24, 2010 10:16 pm   Post subject: Jake:  

"1) I would be more concerned that I'm not getting more help from my insurance company"



This is a 3rd party claim, they're not interested in helping me more



"2) I don't know how you could have been driving your vehicle legally with damages exceeding $15,000"



I'm driving a rental car, my car is at the shop



"3) If the Body shop is a Direct repair shop for the insurance company the Insurance company backs the shop's warranty. So if you don't like the repairs and you get nowhere with the shop you can call the insurance company to re-inspect and make sure the repairs are corrected."



Understood, but I simply don't want to pay $500 deductible and risk my premium going up. my own agent recommends i claim 3rd party.



"I know of cases where the shop did not repair the vehicle correctly and the vehicle was taken to another shop to have the repairs done correctly."



Understood, happens people all the times and that's exactly what I'm trying to avoid.

malagabee
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PostPosted: Mon Jan 25, 2010 12:45 am   Post subject:   

Quote:
You should notify the insurer that you intend to place the car up for bid and give them an opportunity to bid on the salvage as well. Add your cost of repairs and salvage value, then subtract that from your pre-loss fair market value.




Mike, you cannot pursue a DV claim if you are not having the vehicle fixed.





Quote:
I would be more concerned that I'm not getting more help from my insurance company




Read the thread from the brgining. You'll understand why Rolling Eyes





Quote:
If the Body shop is a Direct repair shop for the insurance company the Insurance company backs the shop's warranty




Actually, it's the other way around. Doesn't matter if the shop is a DRP shop, who performed the repair is completely responsible and that decision will be left in the hands of the vehicle owner, not the insurance company.
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PostPosted: Mon Jan 25, 2010 1:53 am   Post subject:   

actually my own insurance company allstate did tell me if I go with their DRP, they'd back my repair anywhere in the continental US. To some people, this may be of value.

malagabee
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PostPosted: Mon Jan 25, 2010 1:57 am   Post subject:   

Quote:
actually my own insurance company allstate did tell me if I go with their DRP, they'd back my repair anywhere in the continental US. To some people, this may be of value.




What that actually means is, Allstate would be reiumbursed from the shop that performed the original repair.
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PostPosted: Mon Jan 25, 2010 12:40 pm   Post subject:   

Quote:
What that actually means is, Allstate would be reiumbursed from the shop that performed the original repair.
Yes, if the shops repairs were unsatisfactory. Depending on the circumstances, and how the warranty reads, it is still of great use, and I think comfort to the owner. Let's say for instance, (I have personally seen this at least three times), body shop repairs vehicle...two, three, ten years later, some 'issue' comes up (paint adhesion, or even another loss, that uncovers poor repairs), the body shop in question has sense gone out of business, and nobody can find the owner, (or he's died and the shop closed up). Rather than the vehicle owner trying to find and get this shop to make good on their work, or sue this (now) defunk shop, their carrier can take care of this under warranty without any (more) inconvenience to the owner, then the carrier will decide if they want to pursue legal action against this shop.


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PostPosted: Tue Feb 02, 2010 4:27 am   Post subject: thank you  

hello, my car is sold, no need to worry about repair quality no more. will shop for a new car. thanks for all your tips. god bless.

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