Recent Topics
VIRGIN NAPA PRO SELECT 21334
by 53' Stude - 04/01/20 07:18 PM
M1 5W30 EP Users ?
by ChrisD46 - 04/01/20 07:15 PM
VIRGIN MO-899 CUT OPEN
by 53' Stude - 04/01/20 07:06 PM
When to replace a battery?
by Chris142 - 04/01/20 06:49 PM
Blauparts 15% off double rewards
by sloinker - 04/01/20 06:14 PM
Ordered some VW 0-20 for my Beetle
by widetrax - 04/01/20 06:10 PM
Mobil 1 210-A Cut open
by kstanf150 - 04/01/20 05:56 PM
Buying tap and die set. SAE or metric first?
by HawkeyeScott - 04/01/20 05:47 PM
Yahama 189cc OPE engine?
by 92saturnsl2 - 04/01/20 05:17 PM
Insulating underlayment on concrete floor
by MoneyJohn - 04/01/20 05:07 PM
Black Silicone ADBV?
by The Critic - 04/01/20 04:25 PM
RxP gas kicker
by pbm - 04/01/20 04:02 PM
Pennzoil Extended Care -Ford EcoBoost?
by ls973800 - 04/01/20 03:59 PM
Rotella 5 gal bucket at Fleet Farm $39.99 AR
by biggusblockus - 04/01/20 03:46 PM
Mobil ones email response to bad oil filter.
by Micahmcmeen - 04/01/20 03:09 PM
gm 6.2l cylinder 8 misfiring only at idle
by apollo18 - 04/01/20 02:41 PM
NEW Adam's Polishes - Hand Sanitizer
by SavagePatch - 04/01/20 02:40 PM
Home vehicle modification fails
by IMSA_Racing_Fan - 04/01/20 01:57 PM
Internet speeds in current climate.
by sloinker - 04/01/20 01:55 PM
Newest Members
ripcord, KenoshaWizard, junipertoxic, mtnrider, Rickborn
71072 Registered Users
Who's Online Now
116 registered members (53' Stude, 2004tdigls, Alfred_B, Al, 2010Civic, 2009Edge, 13 invisible), 1,900 guests, and 24 spiders.
Key: Admin, Global Mod, Mod
Forum Statistics
Forums67
Topics303,447
Posts5,235,425
Members71,072
Most Online4,538
Jan 20th, 2020
Donate to BITOG
Print Thread
Hop To
Page 1 of 3 1 2 3
Insurance check questions. #5383383 03/23/20 02:11 AM
Joined: Apr 2016
Posts: 1,859
F
FordBroncoVWJeta Offline OP
OP Offline
F
Joined: Apr 2016
Posts: 1,859
My 17 Jetta got hit in the rear wheel well a couple weeks ago. Their insurance company sent me a check for $1400. The bodyshop quoted $2200 to get it fixed. Part of me just wants to take the money and run, since its not that much damage. But only if they were to give the full $2200 so i can get it fixed at a later date if I desire. Is the insurance company required to give me the $2200 or must I have the car repaired?


2017 Volkswagen Jetta 1.4T - 2015 Honda CRV 2.4 - 2012 Volkswagen Jetta 2.0 - 2007 Chevy Trailblazer 4.2 - 2003 Ford Taurus 3.0 Vulcan
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383388 03/23/20 03:17 AM
Joined: Jul 2015
Posts: 5,870
M
madRiver Offline
Offline
M
Joined: Jul 2015
Posts: 5,870
The body shop once engaged negotiates with insurance and arrive at number between $1400 and $2200.

Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383390 03/23/20 03:38 AM
Joined: Jun 2003
Posts: 35,403
E
eljefino Offline
Offline
E
Joined: Jun 2003
Posts: 35,403
Read the back of that check, if you sign it you sign your rights away.

It's a lowball offer to screw you out of something better.

Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383395 03/23/20 04:04 AM
Joined: Jan 2009
Posts: 7,806
gathermewool Offline
Offline
Joined: Jan 2009
Posts: 7,806
Request a check for diminished value, while you’re negotiating.


14 Forester XT Touring FA20DIT (Cobb Stage 1)
Castrol Magnatec 5W-30 D1G2 + FU filter (2nd OFI) (77,760mi, 3/7/20)
15 Legacy Premium FB25
Magnatec 0W-20 D1G2+ FU filter (2nd OFI) (54,621mi, 3/4/20)
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383397 03/23/20 04:59 AM
Joined: May 2005
Posts: 12,375
C
Char Baby Offline
Offline
C
Joined: May 2005
Posts: 12,375
Do you have a deductible? The check that the insurance sent to you may have your deductible included plus some low balling.

If you have the collision shop repair the damage, they will contact the insurance company and negotiate the difference. The shop will explain why there is a difference in price. And you still may have to come up with $ome money.

If you choose to keep the money, your rates will certainly climb with your next renew. If you next renew is coming soon, you may not see the increase till the following renew...even if you changed insurance companies.

Don't make the mistake in sending back the check to the insurance company. Your rates will still climb, even if it's only a little(but noticeably) as you made the claim against the insurance company. We made this mistake ONCE!

We sent back the check, choosing not to have the damage repaired when we should have just had the damage repaired or - just kept the check. The rates went up considerably.

NEVER AGAIN! And this in$urance claim & increa$e followed us even when we changed insurance companies later in the future(even after the "CLAIMED" 39 months).


Retired 6 yrs now & lovin' it
-----------------------------------

'80 Firebird FORMULA V8/4bbl-purchased "NEW"
'15 Nissan Altima 2.5 SV
'15 Honda Civic 1.8 LX
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383400 03/23/20 05:11 AM
Joined: Nov 2018
Posts: 2,301
Skippy722 Online Happy
Online Happy
Joined: Nov 2018
Posts: 2,301
The time we had to take the 300 in, they sent me a check for ~$2000 as that was the initial estimate using their photo claim thing. I turned that in when I took the car to the body shop and they handled getting the other ~$2200 needed to fix it.


2016 Chrysler 300S v6
2018 Dodge Grand Caravan GT

Slight Mopar obsession
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383422 03/23/20 06:44 AM
Joined: Oct 2005
Posts: 5,440
D
DuckRyder Offline
Offline
D
Joined: Oct 2005
Posts: 5,440
What is the difference (line item wise) in the two estimates?


Last edited by DuckRyder; 03/23/20 06:45 AM.

Robert
  • 2019 Volkswagen Jetta R-Line
  • 1972 F100 Ranger XLT (445FE/C6/9” 3.50 Truetrac)
  • 2002 Ford Ranger XLT 4D Supercab 3.0L
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383434 03/23/20 07:18 AM
Joined: Jan 2011
Posts: 3,726
L
Lubener Offline
Offline
L
Joined: Jan 2011
Posts: 3,726
Their insurance company is going to go the cheapest route they can. They do not give a hoot for you. Get two more estimates. If they are way above the 1400, do not cash the check. I would take their insurance company to small claims court with plenty of pictures and the three estimates in hand.. If you signed anything from them or cashed the check , it's too late for that. Also, do not talk to the other insurance company's rep on the phone, they often edit the call. I tell them to look at the police report. Hopefully, you have a police report.

Last edited by Lubener; 03/23/20 07:24 AM.

The "thinking" man's friend.
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383447 03/23/20 07:50 AM
Joined: Apr 2017
Posts: 3,450
H
hallstevenson Offline
Offline
H
Joined: Apr 2017
Posts: 3,450
The insurance company doesn't give a rat's behind what the body shop quoted.

Did the insurance send out an adjuster ? How did they come up with that amount ?

Re: Insurance check questions. [Re: hallstevenson] #5383457 03/23/20 08:03 AM
Joined: Apr 2016
Posts: 1,859
F
FordBroncoVWJeta Offline OP
OP Offline
F
Joined: Apr 2016
Posts: 1,859
Originally Posted by hallstevenson
The insurance company doesn't give a rat's behind what the body shop quoted.

Did the insurance send out an adjuster ? How did they come up with that amount ?

I sent pictures to the at fault parties adjuster.


2017 Volkswagen Jetta 1.4T - 2015 Honda CRV 2.4 - 2012 Volkswagen Jetta 2.0 - 2007 Chevy Trailblazer 4.2 - 2003 Ford Taurus 3.0 Vulcan
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383464 03/23/20 08:06 AM
Joined: Feb 2007
Posts: 3,590
J
Jimmy9190 Offline
Offline
J
Joined: Feb 2007
Posts: 3,590
As others have said, don't cash the check. Get at least 2 more estimates. The insurance company is not your friend. Get a lawyer involved. It is the only way to be sure you don't get the short end of the stick.

Someone here once put it very well when they said an insurance company is someone who gives you an umbrella and then takes it away from you when it starts raining.


Jimmy9190
2018 Nissan Rogue S
STP 0W20
OEM Nissan filter
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383477 03/23/20 08:18 AM
Joined: Jan 2017
Posts: 254
6
64bawagon Offline
Offline
6
Joined: Jan 2017
Posts: 254
This is where having an agent that knows you personally is so important. That person should be the one answering this question, not a bunch of people on an oil discussion board.


64 Chevy wagon, 10 Jeep Wrangler, 18 Silverado 1/2 ton
Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383485 03/23/20 08:25 AM
Joined: Apr 2017
Posts: 3,450
H
hallstevenson Offline
Offline
H
Joined: Apr 2017
Posts: 3,450
Originally Posted by FordBroncoVWJeta
I sent pictures to the at fault parties adjuster.

What has your insurance company done for you ?

Re: Insurance check questions. [Re: FordBroncoVWJeta] #5383501 03/23/20 08:39 AM
Joined: Jun 2009
Posts: 433
B
bsmithwins Offline
Offline
B
Joined: Jun 2009
Posts: 433
Originally Posted by FordBroncoVWJeta
Originally Posted by hallstevenson
The insurance company doesn't give a rat's behind what the body shop quoted.

Did the insurance send out an adjuster ? How did they come up with that amount ?

I sent pictures to the at fault parties adjuster.


The other guy’s insurance company is not your friend, he’s the enemy. Get your insurance company involved and get the quotes from local body shops.

BSW

Re: Insurance check questions. [Re: bsmithwins] #5383519 03/23/20 08:56 AM
Joined: Dec 2004
Posts: 2,818
O
opus1 Offline
Offline
O
Joined: Dec 2004
Posts: 2,818
Originally Posted by bsmithwins
Originally Posted by FordBroncoVWJeta
Originally Posted by hallstevenson
The insurance company doesn't give a rat's behind what the body shop quoted.

Did the insurance send out an adjuster ? How did they come up with that amount ?

I sent pictures to the at fault parties adjuster.


The other guy’s insurance company is not your friend, he’s the enemy. Get your insurance company involved and get the quotes from local body shops.

BSW

This - even though by getting your company involved it'll still be a ding against your record.

I had an incident in 2004 where the other party had one of those state-minimum/barely-legal coverage policies and my insurance company went after the other driver like the Tasmanian Devil from the Warner Brothers cartoons. They even got the deductible back from the other party. It made my life easier to deal with my agent vs the other company.


Current Fleet:

2010 Hyundai Sonata GLS
2009 Chevy Cobalt SS Sedan (yes,the turbo)
2002 Dodge Dakota SXT Club Cab
1994 Ford Ranger XLT (RIP, Dad)
Page 1 of 3 1 2 3
Previous Thread
Index
Next Thread

BOB IS THE OIL GUY® Powered by UBB.threads™