|
pancho
|
 |
« on: February 16, 2016, 10:20:00 AM » |
|
I picked up this damage at a friends house on Superbowl Sunday. I know the folks that did it and tried to settle with them on the cheap as I did the paint job myself,, but he insisted on reporting it to his insurance company. A representative came to the house yesterday and took pictures, and I guess I will hear from them soon.
I am wondering if anyone knows what the options are when dealing with these guys if they lo-ball the estimate, short of getting a lawyer..
The rep that came out had no questions about the paint or anything,, just took some pictures. My only experience with auto insurance has been pretty straight forward with enough compensation to fix the car,, this is a bit different. 
|
|
|
|
|
Logged
|
The most expensive things you will purchase, are those things you would not have needed if you had listened and obeyed.
|
|
|
|
Memor86
|
|
« Reply #1 on: February 16, 2016, 10:53:52 AM » |
|
it should work just like on a car.. the rep will send the pictures to the company, they approve the repair and they will have a shop match the color and repaint it for you.
|
|
|
|
|
Logged
|
|
|
|
|
da prez
|
|
« Reply #2 on: February 16, 2016, 10:58:34 AM » |
|
When my bike was damaged, the insurance company wanted a repair estimate. Get it from a shop that does custom paint and does motorcycles. They paid the full claim . I would suggest not letting them know you did the paint work. If you wish to do the work , then still get the estimate and see w hat they offer. Chances are you will pocket some chnge.
da.prez
|
|
|
|
|
Logged
|
|
|
|
|
Jess from VA
|
|
« Reply #3 on: February 16, 2016, 11:30:20 AM » |
|
Should be straightforward enough. Get one or more estimates, and don't accept payment (or cash check) until you are sure it covers the full cost of repair.
If they ask you to settle before cost is finally determined, ask them to show you the small print in the settlement agreement where they agree to adjust the quote upwards if their initial pay is a bit short.
The answer to a low ball estimate is one or two real world paint shop estimates that are higher than their low ball. If they insist their offer is high enough, demand they produce a good paint shop estimate (in writing) who will do the work for their low ball price.
It's always a good idea to get a single point of contact with the ins co, so you don't have to start over (and over again) with Tom, Dick, Poindexter, and Suzi.
Ins co's are run by bean-counters too, so sometimes they are trying to settle quickly to look good to the bean counters. Meaning they may be willing to ante up some more money if necessary, but quick settlements make the adjuster look good for his performance review and annual bonus.
|
|
|
|
« Last Edit: February 16, 2016, 11:35:05 AM by Jess from VA »
|
Logged
|
|
|
|
|
Fazer
|
|
« Reply #4 on: February 16, 2016, 12:16:19 PM » |
|
My last two experiences have been to take the vehicle (car in these cases) to a repair shop of my choosing, and they paid for everything. I did not have to get three estimates but the shop sent them a repair estimate before starting.
|
|
|
|
|
Logged
|
Nothing in moderation...
|
|
|
|
pancho
|
|
« Reply #5 on: February 16, 2016, 02:31:00 PM » |
|
Well, they called and answered all my questions. Their policy is to do their own estimate and issue a check, but they have a supplemental policy that is handled between the shop of your choice and their agent. If I wanted someone else to do the job (which is normal procedure), they would cover any additional cost above their estimate, whatever it was. Since I will take care of this myself, I am stuck with the amount of their estimate, luckily it will more than cover my cost to do the job, if I went to a custom painter, I don't think so.
|
|
|
|
|
Logged
|
The most expensive things you will purchase, are those things you would not have needed if you had listened and obeyed.
|
|
|
|
