What to look for in a bodyshop - Page 2

David Fermani · 08-30-07, 06:29

Quote:

Well, no, we only have liability. But if the other party is at fault, then they pay for our damages, no?

If it's like Michigan (no-fault), each party goes through their own carrier. Because he doesn't have collision coverage, his insurance company won't pay or help subrogate against the other person. He's going to have to go after the other party in court to collect up to a $500 max.

mikebai1990 · 08-30-07, 06:46

Hm.. I'm not sure what you mean by no-fault, but this is what's happened so far. My dad has contacted the other party's insurance company, and that insurance company is coming over to assess the damage. I'm pretty sure that they will be paying for all the damages.

You're correct that our insurance company is not doing anything to help file a claim against the other company/party.

I'm curious about this no-fault policy.. So if you are in an accident (full collision coverage) and you are at fault, the most you pay (well, the insurance company) is $500 to the other party? And the rest of the repair money will be paid either by the other insurance company or the other party (depending on their coverage)? It doesn't seem to make too much sense to me..

David, so the $625 is a "traditional" non-PDR bodyshop work, correct? Thank you for the estimate, it's appreciated.

David Fermani · 08-30-07, 07:22

Quote:

Originally Posted by mikebai1990

I'm curious about this no-fault policy.. So if you are in an accident (full collision coverage) and you are at fault, the most you pay (well, the insurance company) is $500 to the other party? And the rest of the repair money will be paid either by the other insurance company or the other party (depending on their coverage)? It doesn't seem to make too much sense to me..

David, so the $625 is a "traditional" non-PDR bodyshop work, correct? Thank you for the estimate, it's appreciated.

It's not really that way. In a no-fault state, if you have full coverage, you will only be responsible for your deductible if you are at fault. You can then sue the other party for you're deductible (up to $500). $500 is usually the most you can collect from the other party for property damages whether you have collision coverage or not. I think there's only a handful of no-fault states out there and I agree, it doesn't make alot of sense.

mikebai1990 · 09-04-07, 05:00

They're coming over tomorrow to estimate the damages. I'll report back on their quote later tomorrow.

pair of Blazers · 09-04-07, 06:15

NY is a no fault state.

mikebai1990 · 09-04-07, 06:18

pair of Blazers, can you explain what this means for me? I'm still a bit confused despite David's explanation. I have liability insurance, and the other party is at fault. So what happens after their insurance company comes tomorrow to estimate the damages?

In the past, with all the accidents that I've heard of (my uncle, aunt, mom), if the other people are at fault, their insurance company always pays for all of the damages incurred on our vehicles.

pair of Blazers · 09-04-07, 06:30

sorry I'm not much help here. last time I made/had a claim was in 02. I rear ended a guy w/my 91(no brake lights) at night. nothing ever came of it and I only have liability on that truck. call insurance co gave them the time place,officers names and all other info I had. never heard a thing after that.
the guy coming to look at the car will hopefully have the answerers for you.
good luck.

mikebai1990 · 09-04-07, 06:45

Gotcha.. Yea, I'll report back after the insurance people come tomorrow.

mikebai1990 · 09-07-07, 03:51

The guy came yesterday and said a few things, but didn't give us the quote. He said the check would be mailed to us in two weeks or so.

1) He wasn't very clear, but maybe he might've quoted to have the bumper either repaired or replaced because some of the paint on the bumper was "grinded" off in the accident.

2)Mentioned the panel may take some more money to repair because of that line design that goes all the way from the front of the car to the rear.

3)My dad mentioned the car tracks a little to the right. He added an alignment to the quote.

David Fermani · 09-07-07, 04:33

Quote:

Originally Posted by mikebai1990

The guy came yesterday and said a few things, but didn't give us the quote. He said the check would be mailed to us in two weeks or so.

Sorry, but that kind of service is terrible. Any good appraiser/insurance company should leave an estimate on the spot. 2-3 weeks for a check. Are you kidding me? I leave check on the spot too. Sounds like he's trying to hide something to me. What insurance company does he work for?

pair of Blazers · 09-07-07, 05:15

yeah that sounds all wrong to me too. was he from the other guys ins or yours? I would be making some noise to you ins. co about now.

mikebai1990 · 09-07-07, 06:45

The guy was from the other party's insurance company. My dad called the insurance company up, and their insurance company sent a guy for the evaluation. The insurance company name is Lincoln General Insurance Company, and for some reason it is then subdivided into the RPC Insurance Agency.

Well, according the my dad, the guy was fairly helpful and didn't really seem like he was hiding anything. He even asked for a business card from my dad (my dad does work with computers)...

Of course, I don't have any experience, so I'm not sure whether he was trying to hide anything. According to my dad, he seemed to be fairly knowledgeable... Any more info you guys can give me would be very helpful. Thank you!