troyguitar wrote: ↑Tue Sep 10, 2019 3:44 pm
Detroit wrote:
If it bothers you enough, start trolling junkyards.
Her car is worse. Again, I have never used insurance and never dealt with anything remotely like this - how do you know a $500 repair from a $5000 repair? Do you have to decide for each car whether to make individual claims or can they both be done together? Can plastic bumpers be PDR'ed and touched up or is it cheaper to replace them? Etc.
Pretend I'm
here...
I've never used insurance either. I only have one experience with this.
When my wife got rear ended in the Volt a few years ago, I took the car to a few body shops to get quotes to decide if I wanted to do one of three things:
1.) Have insurance cover the repair...$1k deductible and I assumed I'd be paying for the portion insurance covered for a few years of increased premiums
2.) Pay out of pocket to have the body shop repair...I was willing to do so if the cost was under $1,500
3.) Fix it all myself
Body shops seemed to be afraid of the Volt and the batteries and as such wanted between $2k and $5k to repair. That seemed excessive, so I was down to option 1 or 3.
I took the car apart to determine how much work really needed to be done and put together a parts list. I found out at the time that a local
offered GM employees deals on parts, so when I took my parts list to them the cost was $350 for everything. One of the body shops I got a quote from offered to paint the bumper off the car for $200, so I was looking at a $550 bill to just repair it myself.
That became a no brainer to me, so I ordered the parts and took on the work myself. It really wasn't that hard and the final result was perfect.
The only downside is there was a mark on the carfax when the state reported the accident. So the carfax noted a "minor accident" or something like that and there was no record of a fix that would have been there if a big shop fixed it. I figured I saved myself at minimum $450 (ignoring the increase in premiums) so it offset whatever the hit to residual it could have been.
To make a long story longer, I was with Progressive at the time, and they somehow found out the car was in an accident. I NEVER REPORTED IT OR TOLD THEM. They sent my insurance renewal with a premium for the Volt 50% higher because of the crash (of which my wife was noted on the police report 100% NOT AT FAULT)...which was an increase of $300 over where it was prior. I switched insurance companies, which dropped the rate back to normal. Insurance is such a fucking scam, it's incredible.