Any insurance employees here?

Corpsman · 12-22-2006, 05:25 PM

So I think insurance companies basically suck ass. My 04 Armada got vandalized by someone scratching it from front to rear on the driver's side and puncturing a tire. I called it into my insurance company. They told me to go to a certain shop for a estimate. They said that it was their contract shop.

So I took it to their shop to get an estimate. The estimate came in a $2700 without the tire. I also went to a second shop that gave me an estimate of $2600.

When my insurance company called me back, I told them that I would take it to their shop but that I was not sure when I was going to do it (Actually I was going to shop it to a less expensive place so I could eat my $250 deductible). I told them just to send me a check. They said that they would have to have on of their adjusters come out to look at it.

Their adjuster gave me an estimate of $2200 with the tire. So now I am pissed. I told them the shop THEY sent me to was $500 dollars more. They said, well when you go to get the work done, if it is more we can work it out with them. I asked why they bothered to send me more then $100 dollars with reasoning like that. If I don't want to, legally I can pocket the money and not fix the vehicle. So I am turning this over to my attorney.

Well something similiar just happened with my Civic. My wife was rear-ended by an SUV. All it did was some scratches on the bumper. The guys insurance company told me to take it to their shop. I did and was given an estimate of $650. I told Progressive to send me a check. They said they would have to send out an adjuster. The adjuster came out and gave me an estimate of $400. She told me that if the actual cost to fix it was more, they would pay the difference.

I think the insurance companies are just screwing me.

wasiu0607 · 12-31-2006, 04:33 PM

Sry to bump the topic and add something unrelated to the topic, but I heard that insurance for civics are expensive since they get jacked a lot, this true?

***Zeuceone*** · 12-31-2006, 04:38 PM

thats true with older model civics. its so easy to steal them all you need is afew tools.

**Tim** · 12-31-2006, 07:37 PM

Caliguy is one.

raycl · 01-01-2007, 10:22 AM

I subcontract auto appraisals for about 12 different insurance companies. I'd have to see the estimates to see the differance in the two. Theres stuff on the Body Shop estimate that can get covered, also stuff they won't. I'll help you if you want it.

BTW, where are you?

Corpsman · 01-01-2007, 06:55 PM

NorCal

***CaliGuy*** · 01-01-2007, 07:32 PM

Quote:

Originally Posted by Corpsman

So I think insurance companies basically suck ass. My 04 Armada got vandalized by someone scratching it from front to rear on the driver's side and puncturing a tire. I called it into my insurance company. They told me to go to a certain shop for a estimate. They said that it was their contract shop.

So I took it to their shop to get an estimate. The estimate came in a $2700 without the tire. I also went to a second shop that gave me an estimate of $2600.

When my insurance company called me back, I told them that I would take it to their shop but that I was not sure when I was going to do it (Actually I was going to shop it to a less expensive place so I could eat my $250 deductible). I told them just to send me a check. They said that they would have to have on of their adjusters come out to look at it.

Their adjuster gave me an estimate of $2200 with the tire. So now I am pissed. I told them the shop THEY sent me to was $500 dollars more. They said, well when you go to get the work done, if it is more we can work it out with them. I asked why they bothered to send me more then $100 dollars with reasoning like that. If I don't want to, legally I can pocket the money and not fix the vehicle. So I am turning this over to my attorney.

Well something similiar just happened with my Civic. My wife was rear-ended by an SUV. All it did was some scratches on the bumper. The guys insurance company told me to take it to their shop. I did and was given an estimate of $650. I told Progressive to send me a check. They said they would have to send out an adjuster. The adjuster came out and gave me an estimate of $400. She told me that if the actual cost to fix it was more, they would pay the difference.

I think the insurance companies are just screwing me.

No, they're not screwing you. Insurance companies get a different rate than the average Joe...Yes, you can get a check for the damage, but not for just any estimate. You can take it to any shop you choose, but that shop will give the insurance a better rate than you...In essense you can get your car fixed for thier rate...so why would they send you a check for more?

PM me and I can help further...as stated above I work in Auto claims

wasiu0607 · 01-02-2007, 04:54 AM

I have a question... How much is the insurance for the SI and also the 350z for a new driver?

Seemund · 01-02-2007, 05:41 AM

omg

they want me to pay $1300 for a 93 Civic

raycl · 01-02-2007, 09:20 AM

Quote:

Originally Posted by wasiu0607

I have a question... How much is the insurance for the SI and also the 350z for a new driver?

Call your agent.
This is not that kind of thread.

12-22-2006, 05:25 PM	#1 (permalink)
Corpsman Senior Member Join Date: Apr 2006 Posts: 590 iTrader: 0 / 0%	Any insurance employees here? So I think insurance companies basically suck ass. My 04 Armada got vandalized by someone scratching it from front to rear on the driver's side and puncturing a tire. I called it into my insurance company. They told me to go to a certain shop for a estimate. They said that it was their contract shop. So I took it to their shop to get an estimate. The estimate came in a $2700 without the tire. I also went to a second shop that gave me an estimate of $2600. When my insurance company called me back, I told them that I would take it to their shop but that I was not sure when I was going to do it (Actually I was going to shop it to a less expensive place so I could eat my $250 deductible). I told them just to send me a check. They said that they would have to have on of their adjusters come out to look at it. Their adjuster gave me an estimate of $2200 with the tire. So now I am pissed. I told them the shop THEY sent me to was $500 dollars more. They said, well when you go to get the work done, if it is more we can work it out with them. I asked why they bothered to send me more then $100 dollars with reasoning like that. If I don't want to, legally I can pocket the money and not fix the vehicle. So I am turning this over to my attorney. Well something similiar just happened with my Civic. My wife was rear-ended by an SUV. All it did was some scratches on the bumper. The guys insurance company told me to take it to their shop. I did and was given an estimate of $650. I told Progressive to send me a check. They said they would have to send out an adjuster. The adjuster came out and gave me an estimate of $400. She told me that if the actual cost to fix it was more, they would pay the difference. I think the insurance companies are just screwing me.

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12-31-2006, 04:33 PM	#2 (permalink)
wasiu0607 Senior Member Join Date: May 2006 Posts: 107 iTrader: 0 / 0%	Sry to bump the topic and add something unrelated to the topic, but I heard that insurance for civics are expensive since they get jacked a lot, this true?

12-31-2006, 04:38 PM	#3 (permalink)
*Zeuceone* Kill Your Self Krew Join Date: Nov 2006 Location: Killa Cali. Posts: 56,258 iTrader: 26 / 100%	thats true with older model civics. its so easy to steal them all you need is afew tools.

12-31-2006, 07:37 PM	#4 (permalink)
Tim Super Moderator Join Date: Mar 2006 Age: 29 Posts: 5,300 iTrader: 10 / 100%	Caliguy is one.

01-01-2007, 10:22 AM	#5 (permalink)
raycl Senior Member Join Date: Oct 2006 Location: West Des Moines Age: 40 Posts: 664 Ray iTrader: 0 / 0%	I subcontract auto appraisals for about 12 different insurance companies. I'd have to see the estimates to see the differance in the two. Theres stuff on the Body Shop estimate that can get covered, also stuff they won't. I'll help you if you want it. BTW, where are you?

01-01-2007, 06:55 PM	#6 (permalink)
Corpsman Senior Member Join Date: Apr 2006 Posts: 590 iTrader: 0 / 0%	NorCal

01-02-2007, 04:54 AM	#8 (permalink)
wasiu0607 Senior Member Join Date: May 2006 Posts: 107 iTrader: 0 / 0%	I have a question... How much is the insurance for the SI and also the 350z for a new driver?

01-02-2007, 05:41 AM	#9 (permalink)
Seemund Senior Member Join Date: Jul 2006 Location: Massachusetts Posts: 1,569 iTrader: 2 / 100%	omg they want me to pay $1300 for a 93 Civic