PISSED OFF!!!!!

[BigFish]

So remember that accident I had a few weeks ago? WELL! Get a check in the mail from the insurance company for a paltry $1,200.00!!!!!!!!!!!!!!!!!!!!!!!! WTF I scream!!!! Now.....I know a couple auto body guys are on here......how much to repair this damage??? Needs a new bumper (its twisted) probably brackets underneath, a new tail light assembly, bodywork and paint as you see the dent and scrapes and the gap between the rear quarter and tail gate has closed and it needs to be restored to original by pulling it back out a bit!!! Body shop I showed it to where I want to get the work done says 5 days to fix it!! So can anyone give me their professional insight.....cause tomorrow morning I am tearing someone a new frickin a$$hole! Now I gotta jump through hoops to get my damn truck fixed.......this amount is only 1/3 of the cost by my estimation.....plus I have to get a rental vehicle and thats gonna be another frickin nightmare and I WAS NOT IN THE VEHICLE WHEN IT GOT HIT!!!!!!:c ens:

[JohnR]

$2100

[BigFish]

My guess is $3500 bucks not including a rental for the time its getting fixed!!! Just an example....my front bumper was backed into awhile ago.......just the bumper.....no sheetmetal or grill damage....just the bumper and the necessary mounting brackets......$1200!!!!!!!! THIS is only $1200??????

[BlackBeard]

$1200 That's insulting. From the sound of it, that wouldn't even cover the parts.

[GattaFish]

Larry,

What they are doing is paying you for the paint and light and basically acting like you can live with the bumper the way it is,,,,,

I got $900 for a couple small dents in my truck from a hail storm not to long ago,,, I never saw the adjuster. He came out, looked at my truck, then sent me a check a few days later,,,, Guess I was lucky,,,

[Slipknot]

Larry, listen to Ronnie

and calm down

get estimate in writing and don't accept anything less plus rental. seems simple to me.

and put a bug in your agents ear while your at it

[Squid kids Dad]

Larry..How do you know its going to cost more??Are you a licensed appraiser??? lol..1st off calm down...Just because you have received a check for the initial amount doesnt mean that is the final amount..You have the right to bring your truck to whatever body shop you choose..Decide on a shop,bring it there along with your insurance appraisal and the shop will then negotiate with your insurance company a final cost and repair the truck accordingly...No problem..This happens all the time..Believe me..I have been doing it for 20 years..
By the way..If truck has less than 20,000 miles all OEM PARTS must be used..
Its just a process that has to be followed..

[BigFish]

Question Mike: Why did they send ME a check??

[Raider Ronnie]

Larry,
They sent you a check because thats the process like Mike said.
The check is for the amount of the original estimate the appraiser wrote.
most likely less the deductible amount .
They will write a supplement for the additional repairs and there will be a 2nd check sent.
Just about EVERY job we fix there is a supplement involved, lots of times 2 or 3 of them !!!

[Squid kids Dad]

Originally Posted by BigFish

Question Mike: Why did they send ME a check??

Because that is what they have initially decided how much its going to cost to repair...Just because you recieved a check it doesnt mean that thats the end of of the claim.The 1st check always goes to the owner of the vehicle...Once at the shop they will call for a supplement if need be,and the company will issue an additional check
I'll PM my # ..

[Raider Ronnie]

[QUOTE=Squid kids Dad;605220]Because that is what they have initially decided how much its going to cost to repair...Just because you recieved a check it doesnt mean that thats the end of of the claim.The 1st check always goes to the owner of the vehicle...Once at the shop they will call for a supplement if need be,


"if need be"
Spoken like an insurance co employee !!!

[fishaholic18]

Originally Posted by BigFish

Question Mike: Why did they send ME a check??

Because 9 out of 10 times cash is king and they figure they'll never hear from you again. Most would be happy to pocket the cash and F%$#@ the vehicle so ins. co gets off cheap. Don't be one of them guys Larry, they will do a supplement if the repair goes over estimate, sometimes it's a PIA waiting game but they'll pay in the end.

[UserRemoved1]

man Larry you got two of the best body guys around on here RONNIE AND FREAK. Take it to them

COMMERCE INSURANCE. Best I've ever had.

[fishbones]

Be careful, Larry. You keep typing like this and you'll have a broken exclamation point key to go along with your broken truck. And if you think auto insurance people are tough to deal with, try calling a computer help line.

[justplugit]

Prolly just buff right out.

Sorree Larry, just couldn't resist.

Another bump in the road.

[Swimmer]

Auto-Tec in Whitman is probably closer tha Best. If you have a rental coming they would have taken care of that for you. They give so much business to the car rental place down the street they send pizza's and cold drinks all the time to the garage crew. Mikey will help you out.

[Grapenuts]

Just remember one thing Larry..if you take your truck to a repair shop thats not on their list and your shop says 4,000.00 to fix and insur. says 3,000.00 ..guess who's footing the difference..you! out of pocket.

[Raider Ronnie]

Originally Posted by Grapenuts

Just remember one thing Larry..if you take your truck to a repair shop thats not on their list and your shop says 4,000.00 to fix and insur. says 3,000.00 ..guess who's footing the difference..you! out of pocket.

WRONG !!!
I've been doing this for 30 years as a tech and am a Ma licensed appraiser , I know the laws trust me !

[Squid kids Dad]

Originally Posted by Grapenuts

Just remember one thing Larry..if you take your truck to a repair shop thats not on their list and your shop says 4,000.00 to fix and insur. says 3,000.00 ..guess who's footing the difference..you! out of pocket.

If that is the case then the body shop never called the insurance company for a supplement...If that is the case the body shop is at fault and should let the owner of vehicle know,..If the insurance company can not reach an agreed figure with the shop the insurance company has to inform the owner of the vehicle..There should never be a surprise total figure...I sugest your wife should reveiw the claims process

[blue oyster]

larry , like many said relax , i did body work for 15 years , i am still a licensed auto damage appraiser and even did a brief stint working as an appraiser at a big ins.co., there are 2 things here , like others have said when the truck goes in for repairs the body shop will call the insurance co. and ask for a supplement the appraiser will come back out and look at the truck agian and you will get more money for repairs .what they want is to see the truck is getting repaired . the other part is the insurance co.s make out when people cash the checks and just throw there own tail light in , it just cost them $ 1200. instead of the $2400(just a guess) that it will cost to have the repairs done right at the bodyshop . and with the economy the way it is many are doing just that . i know i do it because my trucks get rear ended once a year like clock work . the toughest fight you my have is getting a factory bumper they only like to pay for factory bumpers on vehicles less than a year old , good luck

[GattaFish]

Wow,,, From what I can read here looks like there are a few guys who really have a handle on this Larry,,, Especially in the MA.. I would stay in touch with them,,

As far as the insurance company checks,,, I THINK (JMHO) they low ball it and send part of the payment to the customer then wait for the rest of the bill from the body shop,,, Maybe because if some people get the big check they will just keep it and do nothing and then there are just some insurance companies that are just not that good.

All in all I think you will get some good advice here,,, Try not to raise your blood pressure any more than it already it,,, It will all work out in time,,,,,

[BigFish]

My own damn insurance co?!?!?!?! I will not cash it! Far as I am concerned they are trying to get out cheap and if I cash the check they will say it was a binding contract accepted by me upon cashing the check?!?!?!?! I will be calling them tomorrow!!

[BigFish]

Oh! And when I went to my ins. co. adjuster the guy hands me a sheet with the "recommended" body shops on it!!!! Bull Shiiiit I tell the guy....its going to the body shop of my choice!!!! Its up to me where it goes!!!

[Raven]

then add those 5 together and divide by 5

that's your cost of repairs on average

now i know your angry...

but try and channel it larry, if you can?

because the stress your generating is

seriously bad for your health man...

and it'll manifest itself in other ways...

i always remember a saying my mother would say...

you attract alot more flies with honey than vinegar.

[BigFish]

We all have to die of something Raven, stress maybe.....but I can guarantee you I will not die from going to 5 different body shops!!!! You think I have time for that BS!!!! I got 1 body shop I am going to and that is the end of the story!!! Its up to them and my insurance company to hammer it out!!!

[Raven]

but its a certainty and inevitable

the thing you try and control is the "when"

minimize your stress levels in all situations...

PM sent....