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Smart Shopper Questions About Auto Insurance & Accidents
4421 messages, Last post on Dec 04, 2009 at 1:26 PM
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Replying to: euphonium (Aug 01, 2009 8:07 pm) 
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Replying to: marsha7 (Aug 01, 2009 8:13 pm)
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| I reciently had both my vehicles sittting in my driveway when a bad hail storm came through and sharp hail hit hard on my vehicles. each vehicle had over $1,000 damage each. Both windshileds recieved approx. 100 chips, Progressive denies the windshiled claims stateing hail cannot damage a windshield and after fighting with claims rep. now want to cover only one windshield stating chips were caused by stones flying of a truck and charge me another $100 deductable. Progressive seems to have their own policies and only pay for what they want - BEWARE and Warned! Both vehicles recieved the same chips at the same time in same place, maybe a "truck" flew in my driveway at same time hail storm came through and hit my parked cars, anything possible - Right ? Any suggestions out there? | |
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Replying to: emmett96 (Aug 03, 2009 9:42 pm) http://www.metacafe.com/watch/1775973/hail_damage_windshield_in_bad_storm_scary_- awesome_raw_video/ http://www.metacafe.com/watch/2632429/huge_hailstones_smash_windshield_pounding_- my_vehicle/ There are a lot more of them here http://www.bing.com/videos/search?q=windshield+hail+damage&FORM=BVFD and here http://www.metacafe.com/watch/2632429/huge_hailstones_smash_windshield_pounding_- my_vehicle/ tidester, host SUVs and Smart Shopper |
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Replying to: emmett96 (Aug 03, 2009 9:42 pm) I'd have to see a photo of the damage before giving any kind of opinion. If it's tiny, itsy bitsy little gouges in the windshield, then I'd agree with the agent. But you know, that's just my two cents. I just can't get my head around a small ball of ice causes a tiny pin-prick type of chipping.
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Replying to: Mr_Shiftright (Aug 04, 2009 9:55 am) |
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Replying to: Mr_Shiftright (Aug 04, 2009 9:55 am) |
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Replying to: emmett96 (Aug 03, 2009 9:42 pm) |
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My Sister had an accident a few days ago. We are working with Geico. There is damage equalling $4800 on the 2003 Protege LX 4 door. According the Edmunds/KBB, the Private Party Value for a Good vehicle (it has a large number of scratches on the rear bumper from parallel parking) is around $6000. Geico indicated that the repairs were not equal to 80% of the value of the vehicle. I asked them to find out what the value of the vehicle is, they normally do not do this unless the computer flags them to, as it is an additional cost. I like the car, and we have maintained it well, but am concerned about any issues with the car if it is not properly fixed. The agent said the Average Private value of the car is $7236.50, which is more like the dealer retail it seems. Does this seem accurate? He stated we do not have option to take the loss, only option is to repair the vehicle. The vehicle comes with standarad equip, plus ABS, sunroof, and side airbags. The mileage is about 57000. Is there anything I can do to have them total the vehicle instead of spending so much to fix it? Thank you for your time! Amitha
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Replying to: dudette3 (Aug 06, 2009 6:06 pm) It is the insurance company's responsibility to pay the cost of repair. Not to warrant the repair. If it is not properly fixed, that is between your sister and the body shop. If clearly it is not a total, the insurance company can not be forced into totaling it. "There is damage equalling $4800 "equaling" could include some peripheral items other than body repair. If so, this is not a candidate for a total. You have the option of accepting the draft for the cost of repair and trading the wreck and the insurance check in for a replacement vehicle. This may not be possible if there is an outstanding loan on the vehicle. If so, the lien holder will insist it be repaired.
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