just bought the car and got rear ended..

red2010z · 07-10-2013, 01:17 PM

The Insurance company is going to say sorry sir we already payed and you picked up the car accepting the quality of shitastic work!

Chuck33079 · 07-10-2013, 01:23 PM

Yeah, this is kind of like the checklist of things not to do when you get in an accident and/or have body work done. OP, your best bet is to keep after the body shop until it's right.

i like370z · 07-10-2013, 01:48 PM

i called the liberty mutual few times they always said their system is down can't put my imformation out and i call today to claim the diminish value and he told me the adjuster is not here they will call me back at friday.... i feel like they rip me off since i dont have any experience of this situation...

they sent me a check for 760 dollars so now i payed 600 for the body shop(my friend told me to go there). worst part is the body shop took the cash and they never give me any paper work. anyway the bumper is fixex and look great just the color is slightly different.
all i wanna do is claim the diminish value and see how much money i can get i may use that money to find a better body shop to repaint my rear bumper

Chuck33079 · 07-10-2013, 01:53 PM

I hate to say it, but I think you may have screwed yourself every step of the way. For future reference, remember the following:

Let your insurance deal with their insurance
File a police report
Get several estimates and submit the priciest one
Cheap body work is cheap for a reason
Get a reciept and keep a paper trail

JARblue · 07-10-2013, 01:57 PM

Quote:

Originally Posted by Drex

usually that means you have to pay your deductible to your insurance company. if you go through the other party's insurance, then no deductible (assuming they were at fault).

If your insurance charges you a deductible for an accident that is not your fault, you should dump them immediately. I ALWAYS work with my own insurance company because they have MY interests in mind since I am their customer. The other person's insurance won't give two $hits about you or any problems you have.

Quote:

Originally Posted by forza370z

I thought you don't if it's not at your fault no?

I have never paid my insurance deductible except for one time. I avoided a collision with a vehicle coming into my lane suddenly, but I wound up running my Sentra up on to a median curb by doing so. The guy drove off, and I even got the phone number of a witness who saw what happened. However, insurance wouldn't make a claim under my uninsured motorist clause even with the witness (so now I know to always let the guy hit me rather than hit something else myself). The accident wound up being over $1500 because I busted the oil pan and the radiator was damaged. I wasn't interested in paying the repair fee, so I claimed it on my insurance and paid my $500 deductible. They did not raise my rates either.

i like370z · 07-10-2013, 01:58 PM

Quote:

Originally Posted by Chuck33079

I hate to say it, but I think you may have screwed yourself every step of the way. For future reference, remember the following:

Let your insurance deal with their insurance
File a police report
Get several estimates and submit the priciest one
Cheap body work is cheap for a reason
Get a reciept and keep a paper trail

i should have ask more information before i sent my car to the body shop
i accepted the first quoted from the insurance that's why is so freaking lowball but at the moment i just wanna fix my car asap. because i got hit by the every same day i bought it... so freaking unlucky omg.

do any body have any experience for the diminish claim before?

Chuck33079 · 07-10-2013, 02:04 PM

I don't know how it works in your state, but in many places you have to sue for diminished value, and that may cost more than you'd win.

i like370z · 07-10-2013, 02:06 PM

Quote:

Originally Posted by JARblue

If your insurance charges you a deductible for an accident that is not your fault, you should dump them immediately. I ALWAYS work with my own insurance company because they have MY interests in mind since I am their customer. The other person's insurance won't give two $hits about you or any problems you have.

I have never paid my insurance deductible except for one time. I avoided a collision with a vehicle coming into my lane suddenly, but I wound up running my Sentra up on to a median curb by doing so. The guy drove off, and I even got the phone number of a witness who saw what happened. However, insurance wouldn't make a claim under my uninsured motorist clause even with the witness (so now I know to always let the guy hit me rather than hit something else myself). The accident wound up being over $1500 because I busted the oil pan and the radiator was damaged. I wasn't interested in paying the repair fee, so I claimed it on my insurance and paid my $500 deductible. They did not raise my rates either.

everytime i called that guy insurance they always put me on hold for a long time. i called my insurance(geico) once and they told me i should call the other guy insurance better........ they giving me a headache

JARblue · 07-10-2013, 02:11 PM

Quote:

Originally Posted by i like370z

i called my insurance(geico) once and they told me i should call the other guy insurance better........

Wow... if my insurance company gave me that response, I would tell them to go fvck themselves. It's their job to take care of my claim. I should clarify that I am assuming you have full coverage (liability AND collision).

i like370z · 07-10-2013, 02:12 PM

Quote:

Originally Posted by Chuck33079

I don't know how it works in your state, but in many places you have to sue for diminished value, and that may cost more than you'd win.

sounds like i got screwed now........ i called the body shop their not going to repaint my bumper because they said it meet their standard .......

my only hope is to claim the diminish value and get the money to repaint it at other body shop.

worse day of my life omfg. i hate to deal with the insurance they always put me on hold for long time.

i like370z · 07-10-2013, 02:14 PM

Quote:

Originally Posted by JARblue

Wow... if my insurance company gave me that response, I would tell them to go fvck themselves. It's their job to take care of my claim. I should clarify that I am assuming you have full coverage (liability AND collision).

yes i have full coverage but my insurance said since not my fault i should deal with the at fault party insurance better..... because i never been in a car accident before dont know what to do i'm feeling so frustrated.

JARblue · 07-10-2013, 02:29 PM

Quote:

Originally Posted by i like370z

yes i have full coverage but my insurance said since not my fault i should deal with the at fault party insurance better..... because i never been in a car accident before dont know what to do i'm feeling so frustrated.

That's just poor service from your insurance company IMO. I guess that's the kind of service to expect from Geico

Well, it looks there is a lot you can learn from this experience. There is definitely some good info in this thread, and you can find out other good info with a simple Google search. Since it's legal in Texas, I use video and audio recording to document the accident as soon as it happens. I hope you get the car taken care of or at least get a few extra bucks for your troubles. Good luck man

( Click to show/hide )

Chuck33079 · 07-10-2013, 02:30 PM

Quote:

Originally Posted by i like370z

worse day of my life omfg.

Your situation sucks, but lets not get too melodramatic. The bumper of your car isn't quite the right color. That's not quite the worst day of someone's life. I hate to say it, but I think you've painted yourself into a corner. Either pony up out of pocket to get the paint matched at a better body shop, or learn to live with the mismatch. You may have made too many mistakes to come back from on this one. Keep calling your insurance. You pay them to handle this stuff for you. Maybe you get a better resolution.

b15 · 07-10-2013, 02:45 PM

Quote:

Originally Posted by JARblue

If your insurance charges you a deductible for an accident that is not your fault, you should dump them immediately. I ALWAYS work with my own insurance company because they have MY interests in mind since I am their customer. The other person's insurance won't give two $hits about you or any problems you have.

I have never paid my insurance deductible except for one time. I avoided a collision with a vehicle coming into my lane suddenly, but I wound up running my Sentra up on to a median curb by doing so. The guy drove off, and I even got the phone number of a witness who saw what happened. However, insurance wouldn't make a claim under my uninsured motorist clause even with the witness (so now I know to always let the guy hit me rather than hit something else myself). The accident wound up being over $1500 because I busted the oil pan and the radiator was damaged. I wasn't interested in paying the repair fee, so I claimed it on my insurance and paid my $500 deductible. They did not raise my rates either.

Just wanted to clear some things up...

If you file a claim against your own insurance, you do have to pay your collision deductible (it's in the policy wording). It can be waived up front or refunded on the back end because of the subrogation potential, it's just up to the individual adjuster handling your claim. Also keep in mind when you claim against your own insurance, it shows up in your loss history whether or not your company was able to fully re-coup their losses from the other company. If they don't fully recoup, the difference will show up as a loss paid to you instead of $0. Either way it's still there. This may or may not adversely affect your premium at renewal or if you choose to shop your insurance, again it just depends on the company.

To the OP- sounds like you did work with a shady shop. Any reputable shop would stand behind their work. Sucks, but at the end of the day lawyering up will cost you more than it's worth. You'll have to live with it, or buck up and pay out of pocket to a GOOD job that will properly blend the new paint with the old for a seamless transition. If you've already taken the check from the Company, then you are SOL. Calling the the other person's company will do no good as they'll just tell you to go to the shop for repairs. Rule of thumb, NEVER take the check until the settlement is to your standards. A lot of times by taking the check, you're agreeing to the settlement. There are extenuating circumstances, but for a claim this small, I highly doubt they're going to re-open to give you diminished value.

Lastly, Geico sucks, so it doesn't surprise me they told you to call the other company.

Chuck33079 · 07-10-2013, 02:47 PM

Quote:

Originally Posted by b15

Just wanted to clear some things up...

If you file a claim against your own insurance, you do have to pay your collision deductible (it's in the policy wording). It can be waived up front or refunded on the back end because of the subrogation potential, it's just up to the individual adjuster handling your claim. Also keep in mind when you claim against your own insurance, it shows up in your loss history whether or not your company was able to fully re-coup their losses from the other company. If they don't fully recoup, the difference will show up as a loss paid to you instead of $0. Either way it's still there. This may or may not adversely affect your premium at renewal or if you choose to shop your insurance, again it just depends on the company.

To the OP- sounds like you did work with a shady shop. Any reputable shop would stand behind their work. Sucks, but at the end of the day lawyering up will cost you more than it's worth. You'll have to live with it, or buck up and pay out of pocket to a GOOD job that will properly blend the new paint with the old for a seamless transition. If you've already taken the check from the Company, then you are SOL. Calling the the other person's company will do no good as they'll just tell you to go to the shop for repairs. Rule of thumb, NEVER take the check until the settlement is to your standards. A lot of times by taking the check, you're agreeing to the settlement. There are extenuating circumstances, but for a claim this small, I highly doubt they're going to re-open to give you diminished value.

Lastly, Geico sucks, so it doesn't surprise me they told you to call the other company.

Insurance agent?

07-10-2013, 01:17 PM	#16 (permalink)
red2010z Track Member Join Date: Apr 2013 Location: Texas/North Carolina Age: 38 Posts: 587 Drives: '10 Red B/S/M Rep Power: 13	The Insurance company is going to say sorry sir we already payed and you picked up the car accepting the quality of shitastic work! __________________ AGENCY K&N SWIFT CSF EVO-R VOSSEN MICHELIN Z1 JVC ZENCLOSURE JLW3 JVC

07-10-2013, 01:23 PM	#17 (permalink)
Chuck33079 A True Z Fanatic Join Date: Nov 2011 Location: Houston Posts: 12,265 Drives: 2011 370ztt Rep Power: 29538	Yeah, this is kind of like the checklist of things not to do when you get in an accident and/or have body work done. OP, your best bet is to keep after the body shop until it's right. red2010z likes this. __________________ 2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent

07-10-2013, 01:53 PM	#19 (permalink)
Chuck33079 A True Z Fanatic Join Date: Nov 2011 Location: Houston Posts: 12,265 Drives: 2011 370ztt Rep Power: 29538	I hate to say it, but I think you may have screwed yourself every step of the way. For future reference, remember the following: Let your insurance deal with their insurance File a police report Get several estimates and submit the priciest one Cheap body work is cheap for a reason Get a reciept and keep a paper trail onzedge, Felix 808, metalmynx and 1 others like this. __________________ 2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent

07-10-2013, 02:04 PM	#22 (permalink)
Chuck33079 A True Z Fanatic Join Date: Nov 2011 Location: Houston Posts: 12,265 Drives: 2011 370ztt Rep Power: 29538	I don't know how it works in your state, but in many places you have to sue for diminished value, and that may cost more than you'd win. __________________ 2011 MB Touring-Sport-6sp-Nav/GTM TT/FI TT TDX/JTran/Kosmic/Eibach/Hotchkis/SPC/CSF/RPS/SoThatsWhereAllMyMoneyWent

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07-10-2013, 01:48 PM	#18 (permalink)
i like370z Base Member Join Date: Jul 2013 Location: florida Posts: 78 Drives: 370z Rep Power: 11	i called the liberty mutual few times they always said their system is down can't put my imformation out and i call today to claim the diminish value and he told me the adjuster is not here they will call me back at friday.... i feel like they rip me off since i dont have any experience of this situation... they sent me a check for 760 dollars so now i payed 600 for the body shop(my friend told me to go there). worst part is the body shop took the cash and they never give me any paper work. anyway the bumper is fixex and look great just the color is slightly different. all i wanna do is claim the diminish value and see how much money i can get i may use that money to find a better body shop to repaint my rear bumper