Depending on what kind of car you have, year, and how much it's worth ... it may be better to just have the car fixed at a shop for alot cheaper than that and not go through your insurance company with a claim...

What is it that's exactly damaged on the exterior?

Front bumper? headlight? fender? bent hood?

If that's the case, then $2400 is a RIP OFF!! If the bumper is repairable then that could save you a lot of money getting it fixed instead of getting a new one (if thats the case), for the headlight/s go to a junk yard or find it on kijiji, paint job could be done for super cheap...

What's the specs on the car and actual damage? That will determine the best action to follow!

quote:

Originally posted by PurpleHaze Depending on what kind of car you have, year, and how much it's worth ... it may be better to just have the car fixed at a shop for alot cheaper than that and not go through your insurance company with a claim...

exactly what i was saying..
i believe he drives a honda civic, a bumper for that costs like 200 bucks off a scrapyard if its not the latest model. the total for your car including alignment/suspension would probably come up to a $1000 at a regular shop

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Guys you are missing the point, if he has reported it to insurance already he is SCREWED. Even if he fixes it himself he will still be dinged. He should not have contacted his Insurance company.

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quote:

Originally posted by urban_legend Guys you are missing the point, if he has reported it to insurance already he is SCREWED. Even if he fixes it himself he will still be dinged. He should not have contacted his Insurance company.

quote:

Originally posted by Nick Cenik My insurance company is willing to pay any repairs after I pay the first $1000 out of pocket (as I have a $1000 deductible).

duh

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quote:

Originally posted by FunkyCrew

I know... it's still not airborne... won't help.

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quote:

Originally posted by urban_legend Guys you are missing the point, if he has reported it to insurance already he is SCREWED. Even if he fixes it himself he will still be dinged. He should not have contacted his Insurance company.

As I already stated, the adjuster with whom I am dealing has not yet put the claim through. He agreed to give me a few days to determine whether or not to put it through insurance. The claim doesn't exist yet within their system (evidenced by the fact that each time I've called the company the person answering the phone has been unable to confirm that I've contacted them already); but I suspect that it will soon since I've decided to go through them.

The way I see it: this is an almost brand new Honda Civic on lease from the dealership and, so, any half-assed repair job to the damage will come back to bite me in the ass when I turn in the car when the lease ends. Alternatively, if I decide to keep the car I'll have peace of mind knowing that it was repaired officially by Honda.

quote:

Originally posted by mickmack "Too" has more then one use and meaning.

than.

quote:

Originally posted by urban_legend Are you sure your not just bustin ma balls?

you're.

than/then
two/too/to
their/they're/there
hear/here
your/you're

e.g. you're both sucking too hard with your grammar, here are two more people that hear words then spell them phonetically and may not be aware they're failing to use their words any more correctly than anyone else.

Last edited by chico on Feb-25-2009 at 13:52

quote:

Originally posted by Nick Cenik As I already stated, the adjuster with whom I am dealing has not yet put the claim through. He agreed to give me a few days to determine whether or not to put it through insurance. The claim doesn't exist yet within their system (evidenced by the fact that each time I've called the company the person answering the phone has been unable to confirm that I've contacted them already); but I suspect that it will soon since I've decided to go through them.

how could you be dealing with an adjuster from the insurance company without the incident being reported and on the record with your insurance company? whether or not the claim is put through, it is noted that you were in a 100% at-fault collision, hence urban's comment still stands.

lol @ random grammar debate


Hope everything works out for you Nick. Hopefully Sidney Blu was worth it

quote:

Originally posted by fayraree how could you be dealing with an adjuster from the insurance company without the incident being reported and on the record with your insurance company? whether or not the claim is put through, it is noted that you were in a 100% at-fault collision, hence urban's comment still stands.

That actually can be done. I've deal with similar situation a while ago, where I called the company, talked to a lady (a few times actually), and not put in a claim, based on what she said. No rate changes.

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quote:

Originally posted by Superstring That actually can be done. I've deal with similar situation a while ago, where I called the company, talked to a lady (a few times actually), and not put in a claim, based on what she said. No rate changes.

That's where I was confused! I was thinking "he's already talked to the insurance company and adjuster so it must be in their records *somewhat*". Didn't know you could still have a *record* of it with insruance company, NOT put in a claim and still have the rate stay the same, interesting

As for it being a new honda civic lease...that's a tough one

The dealership already knows of the situation since it got towed there correct? In that case, they're pretty much gonna keep it there and fix it at that location for $2400 regardless I think...

They might fight back with you if you try to get it fixed somewhere else for an *anything-less-than-par* job,

quote:

Originally posted by fayraree how could you be dealing with an adjuster from the insurance company without the incident being reported and on the record with your insurance company? whether or not the claim is put through, it is noted that you were in a 100% at-fault collision, hence urban's comment still stands.

Thank you.

I had a similiar situation where I hit someone, asked them not to tell insurance or police and I would handle the repairs, howevere I found out they filed a report with the cops and my rates went up because of it and is now on my record.

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