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Originally posted by ChemEnhanced Well. from Nick's post it appeared he already made the decision to go through insurance. I agree that you can get the work done cheaper then the dealership would quote....but remeber....you get what you pay for too.

Not quite. Dealerships are just as likely to screw you over at any opportunity as anyone else. Maybe some of the high-volume ones won't since they have an image to upkeep, but otherwise, don't count on it. The mechanics working at the average dealer place are just as incompetent and crooked as you will find at your local shop, if not worse. Also, the work may not always be 'the best', ie you may have damages that are fully repairable, but AFAIK all dealerships follow a 'chuck-and-replace' policy, thus why they cost more. Further, depending on the dealership, they may force their mechanics to get in-house certifications in order to justify the higher-per-hour labour costs.

Last edited by zokissima on Feb-25-2009 at 19:51

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Originally posted by geroin he didn't collide with another car, he hit an object on the road and only damaged his own car. it's only worth to report to insurance when there is some serious damage and you were involved in a collison with another car.

Yah I know but he is still at fault to the insurance company as he "technically" should have had enough time to stop or swerve.

Trust me I am on Nick's side, I hate insurance companies myself but we all know the are blood sucking deviants.

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Originally posted by urban_legend Yah I know but he is still at fault to the insurance company as he "technically" should have had enough time to stop or swerve. Trust me I am on Nick's side, I hate insurance companies myself but we all know the are blood sucking deviants.

Considering most insurance companies don't make money off auto insurance I don't think you can call them blood sucking deviants.

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

quote:

Originally posted by zokissima Not quite. Dealerships are just as likely to screw you over at any opportunity as anyone else. Maybe some of the high-volume ones won't since they have an image to upkeep, but otherwise, don't count on it. The mechanics working at the average dealer place are just as incompetent and crooked as you will find at your local shop, if not worse. Also, the work may not always be 'the best', ie you may have damages that are fully repairable, but AFAIK all dealerships follow a 'chuck-and-replace' policy, thus why they cost more. Further, depending on the dealership, they may force their mechanics to get in-house certifications in order to justify the higher-per-hour labour costs.

thats all fine and good but for insurance claims the dealership of the shop really have very little say in what needs to be repaired and the cost of repairs.

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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Originally posted by ChemEnhanced Considering most insurance companies don't make money off auto insurance I don't think you can call them blood sucking deviants.

that's bullshit. if they didn't make money off it, they wouldn't do it. simple math.

and to the earlier comments re: no claim but yes report = no affect to rate. maybe you were given a one-time freebie (on many policies). my current insurance company (and 2 priors) has a star system where 6 is highest, per vehicle and with each collision, the star goes down with each at-fault incident. Therefore, I would suspect the star rating to go down from Nick's reporting the accident to his insurance co., regardless of a claim. and lower star = higher premium.

but i don't know 100% so i could be wrong; just talking common sense here.

not only that but this claim will be filed for 6 years meaning you will pay 6 years of higher premiums because of the fault collision

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Originally posted by fayraree that's bullshit. if they didn't make money off it, they wouldn't do it. simple math.

When it comes to auto insurance they pay out more money in claims then they take in in premium. Insurance companies make money on investments.

The government mandates if insurance companies want to write other business in Ontario they have to write a certain amount of auto insurance.

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quote:

Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

quote:

Originally posted by Nick Cenik

yo thats shitty nick sorry to hear about it.....hey it could have been much worest, u could have lost your life....so dont take it to bad bro, every1 gets into a wreck at one point or another.....
with that said the only thing I can think of for your problem is to find out whos responsible and sue there asses.....
i didnt read this entire thread, but i would suggest the above.....
atleast ur in one piece bro....

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