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Unfolding Nature Shop: Unfolding Nature: Being in the Implicate Order

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Offlinelovecheese
observer
Male


Registered: 07/06/09
Posts: 682
Loc: n. illinois
Last seen: 8 months, 2 days
anyone familiar with insurance claims?
    #14057099 - 03/02/11 09:11 PM (12 years, 10 months ago)

my car got hit and the driver has state farm insurance. made a claim and they told me to go to a certain repair center to get an estimate.

estimate was for $540, and the guy i was talking to told me that if it was his car, he'd get them to send a personal check for the estimate amount, buy a new tail light (mine got busted, and some paint damage on the bumper) and keep the rest.

another party i spoke to (with not much experience in regards to insurance claims) told me that the insurance will not do that at all.

a google search came up with mixed replies, but a few sources saying that i'm entitled to the cash.

anyone know whats good with getting some dough out of this situation?


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Offlinemirrorsnfuturestuf


Registered: 12/01/10
Posts: 234
Loc: earf
Last seen: 11 years, 22 days
Re: anyone familiar with insurance claims? [Re: lovecheese]
    #14057113 - 03/02/11 09:15 PM (12 years, 10 months ago)

if you go through insurance that cannot be done if it was claimed.

if it is not then you can go the "we'll just take care of it  ourselves route and hope they pay up"


but really taking more money out of it than what you really need to get fixed is sleazy, what if someone did that to you and had you pay way overpriced at some dealership and got a ripped off a bunch of money just b/c you made a mistake?


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
 User Gallery

Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: anyone familiar with insurance claims? [Re: lovecheese]
    #14057137 - 03/02/11 09:21 PM (12 years, 10 months ago)

firstly, you're not obligated to go to the body shop the other guy's
insurance company tells you to and second, they'll try and stonewall you
about cutting the check directly to you but it's your property that was
damaged and you have no contract with his insurance company so you arent
obligated to do it their way, tell them to cut you the check and you'll have
your own body shop do the repairs


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
 User Gallery

Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: anyone familiar with insurance claims? [Re: mirrorsnfuturestuf]
    #14057155 - 03/02/11 09:25 PM (12 years, 10 months ago)

Quote:

mirrorsnfuturestuf said:
but really taking more money out of it than what you really need to get fixed is sleazy





it's his property that was damaged by another driver, if the price is agreed
upon by the insurance company and the owner of the damaged vehicle then
there's nothing sleazy about it, this is why we have insurance so that we
arent out of pocket for damage caused by others and once that money is in his
hand it's up to him as to what is done with it, if he want to use it to go on
a crack binge, it's his money for his property


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Offlineorison
mcfluffysugarnuts


Registered: 01/19/09
Posts: 5,468
Last seen: 25 days, 6 hours
Re: anyone familiar with insurance claims? [Re: Prisoner#1]
    #14057178 - 03/02/11 09:30 PM (12 years, 10 months ago)

some ass bag on a motorcycle said i hit and run on him. Meanwhile he fell from his bike and was being a dick when I tried to help him when I seen him fall in front me, had nothing to do with me at all. he reported it to insurance they tracked it down, I said pay It cause i didnt care. about a yr later his bike meet the fate of 5 gallons of paint and stripper.. how that happened i do not know. :flowstone:


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Offlinelil_demented
Loner will lone
Male User Gallery
Registered: 09/11/06
Posts: 6,146
Last seen: 1 month, 9 days
Re: anyone familiar with insurance claims? [Re: Prisoner#1]
    #14057187 - 03/02/11 09:34 PM (12 years, 10 months ago)

Quote:

Prisoner#1 said:
firstly, you're not obligated to go to the body shop the other guy's
insurance company tells you to and second, they'll try and stonewall you
about cutting the check directly to you but it's your property that was
damaged and you have no contract with his insurance company so you arent
obligated to do it their way, tell them to cut you the check and you'll have
your own body shop do the repairs




I fully agree with this. I've had 1 of my cars wrecked and my dad 2 of his and just got the check from the insurance company. We would just fixed it in the driveway. I don't think its sleazy unless you cause the accident on purpose just to get the money.


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OfflineLoveYourLife
MDMA


Registered: 08/05/09
Posts: 2,076
Loc: Cincinnati
Last seen: 9 years, 6 months
Re: anyone familiar with insurance claims? [Re: lil_demented]
    #14057195 - 03/02/11 09:37 PM (12 years, 10 months ago)

I've gotten several personal checks from accidents.  Find the highest estimate possible and send them that, it's your property.


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Offlinelil_demented
Loner will lone
Male User Gallery
Registered: 09/11/06
Posts: 6,146
Last seen: 1 month, 9 days
Re: anyone familiar with insurance claims? [Re: LoveYourLife]
    #14057221 - 03/02/11 09:44 PM (12 years, 10 months ago)

Yeah, tell them you'll only go to this certain shop and give them an estimate from some custom place downtown.


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Offlinemirrorsnfuturestuf


Registered: 12/01/10
Posts: 234
Loc: earf
Last seen: 11 years, 22 days
Re: anyone familiar with insurance claims? [Re: lil_demented]
    #14063049 - 03/03/11 09:05 PM (12 years, 10 months ago)

yeah thats fine what i meant was claiming more than what actually happened so that you make some extra cash is sleazy. its happened to me before and sucked


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Offlinetaylor.ashleigh
Stranger
Registered: 03/14/11
Posts: 1
Last seen: 12 years, 10 months
Re: anyone familiar with insurance claims? [Re: lovecheese]
    #14118020 - 03/14/11 03:07 AM (12 years, 10 months ago)

Take it to the top repair shop in your area and get an estimate. You can present this to the car insurance company and they will cut out the check for you. You can later get your car repaired from a cheaper shop and save some bucks.


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Offlinemakaveli8x8
Stranger
Male User Gallery
Registered: 02/28/06
Posts: 21,636
Last seen: 7 years, 7 months
Re: anyone familiar with insurance claims? [Re: taylor.ashleigh]
    #14118037 - 03/14/11 03:17 AM (12 years, 10 months ago)

take it to a car dealership, specifiacally its main competition.  Say you have a chevy...take your car to a ford dealership for the estimate...or you can drive to a major city and find a high end sports car dealership that sells porches or bens, not only will they be expensive but they will also have to special order all the parts:smilingpuppy:


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We were sent to hell for eternity :hellfire: Ø:omgawesome:h®
We play on earth to pass the time :foreheadslap:

Over-population the root of all Evil-brings the Elites Closer to the gates.


Edited by makaveli8x8 (03/14/11 03:18 AM)


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Unfolding Nature Shop: Unfolding Nature: Being in the Implicate Order


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