Auto insurance?
i recently put my car contained by a collision shop and the collision shop says they need spanking new parts for the car and the adjuster doesnt want to write the check. my car is behind the times 2000 and the damage extends through the whole pay for and onto the side of my car. My insurance basically wishes to pound out all the metal and bondal everything and just paint over doesn`t matter what is damages(basically cutting their cost) is there anything i can do give or take a few it?i feel that my car deserves more than that i havnt have any accidents and 1 ticket through out my driving life.
Answers:
Based on what you've said: You may want to clarify the difference between "new" parts and "refurbished" parts. If the collision shop can't fix the existing part because of too much impairment, then yes, the insurance company will put on a replacement part. However, if the vehicle is not a newer vehicle (typically within a couple of years) like yours, they may use a refurbished constituent. This means that the part is "up to date to you" but not brand new from the manufacturer. I would inquire to the adjuster if this is what they miserable when they say that they won't pay for investigational parts.
That being said, if your vehicle was see by a staff appraiser from the insurance company, and there is no reason why the existing parts cannot be repaired, next they will only pay the celebration cost to complete that repair. You may want to get a second opinion from a different body shop if the one you own now is not willing to work beside the estimate from the appraiser. Source(s): P&C Adjuster
With out knowing more about the nature of your prejudice this is a hard one to answer.
What part is tattered will also affect how the part is repaired. Some parts are better to be repaired than replaced.
For example, a fender is held onto a car by 3 screw. If a fender is all bent up, it is usually better to replace it - it's not a big deal to run the old one off and pop a unsullied one on.
On a uni-body car the quarter panel (frequently called the backside fender in error) is actually a segment of the car frame. To replace the quarter panel, you have to cut it sour the car and weld a new one on. This is much more invasive than repairing the quarter panel. It also puts a intricate spot (weld) in the car frame that be not there before. So unless the quarter panel is really torn up- most of the time, repairing it will be the better substitute.
"But I don't want any Bondo on my car" - guess what, your car came rotten the assembly line with body filler on it .....it's how they hide the welds.
To repair a body panel - the body tech will work the metal out. Metal has memory. He will work out the dent and after put a small layer of body filler across it to smooth it out. It takes skill to work metal and you own to have a body tech that knows what he is doing. Most shops are moral and have really good folks working for them, but it seem now a days you are running into more and more that only know how to modification out parts and don't know how to do work metal.
Insurance companies expect a car to be repaired in accordance near manufacture specs.
The insurance company may use OEM parts (original manufacture equipment - ie signature brand parts), QRP (re-manufactured or used parts) or LKQ (aftermarket). Given the age of your car, they will not use all OEM unless they can not find LKQ or QRP.
"But my sports car had all contemporary parts on it". Yes it did -- back in 2000 when you purchased it. Now those parts enjoy been driving around for 7 years. They are used.
When an insurance company gets used parts - they don't pinch damaged parts and use those again. They use non damaged parts from salvage vehicles. Example: a car be hit hard in the reverse and has damage to the flipside. However, the front bumper is fine and may be use in the repair of another vehicle. They will not use the rear bumper again.
As far as paint go - the insurance company owes to paint the damaged area. They will affix to blend the paint into the adjacent panels. They will not paint your coup¨¦ all over.
The fact that you own not had any accidents and singular one ticket have nothing to do near how your car is repaired.
Sure, ring up your agent. Have them intercede. POunding & bondo isn't a good idea, surrounded by general. Actually, the auto body guy might ALSO go to bat for you on this - but your agent is point guy to be discussing this beside the adjuster.
I'm assuming we're talking about $4,000 or so of blight. Source(s): agent, 21+ years
Related Questions:
Answers:
Based on what you've said: You may want to clarify the difference between "new" parts and "refurbished" parts. If the collision shop can't fix the existing part because of too much impairment, then yes, the insurance company will put on a replacement part. However, if the vehicle is not a newer vehicle (typically within a couple of years) like yours, they may use a refurbished constituent. This means that the part is "up to date to you" but not brand new from the manufacturer. I would inquire to the adjuster if this is what they miserable when they say that they won't pay for investigational parts.
That being said, if your vehicle was see by a staff appraiser from the insurance company, and there is no reason why the existing parts cannot be repaired, next they will only pay the celebration cost to complete that repair. You may want to get a second opinion from a different body shop if the one you own now is not willing to work beside the estimate from the appraiser. Source(s): P&C Adjuster
With out knowing more about the nature of your prejudice this is a hard one to answer.
What part is tattered will also affect how the part is repaired. Some parts are better to be repaired than replaced.
For example, a fender is held onto a car by 3 screw. If a fender is all bent up, it is usually better to replace it - it's not a big deal to run the old one off and pop a unsullied one on.
On a uni-body car the quarter panel (frequently called the backside fender in error) is actually a segment of the car frame. To replace the quarter panel, you have to cut it sour the car and weld a new one on. This is much more invasive than repairing the quarter panel. It also puts a intricate spot (weld) in the car frame that be not there before. So unless the quarter panel is really torn up- most of the time, repairing it will be the better substitute.
"But I don't want any Bondo on my car" - guess what, your car came rotten the assembly line with body filler on it .....it's how they hide the welds.
To repair a body panel - the body tech will work the metal out. Metal has memory. He will work out the dent and after put a small layer of body filler across it to smooth it out. It takes skill to work metal and you own to have a body tech that knows what he is doing. Most shops are moral and have really good folks working for them, but it seem now a days you are running into more and more that only know how to modification out parts and don't know how to do work metal.
Insurance companies expect a car to be repaired in accordance near manufacture specs.
The insurance company may use OEM parts (original manufacture equipment - ie signature brand parts), QRP (re-manufactured or used parts) or LKQ (aftermarket). Given the age of your car, they will not use all OEM unless they can not find LKQ or QRP.
"But my sports car had all contemporary parts on it". Yes it did -- back in 2000 when you purchased it. Now those parts enjoy been driving around for 7 years. They are used.
When an insurance company gets used parts - they don't pinch damaged parts and use those again. They use non damaged parts from salvage vehicles. Example: a car be hit hard in the reverse and has damage to the flipside. However, the front bumper is fine and may be use in the repair of another vehicle. They will not use the rear bumper again.
As far as paint go - the insurance company owes to paint the damaged area. They will affix to blend the paint into the adjacent panels. They will not paint your coup¨¦ all over.
The fact that you own not had any accidents and singular one ticket have nothing to do near how your car is repaired.
Sure, ring up your agent. Have them intercede. POunding & bondo isn't a good idea, surrounded by general. Actually, the auto body guy might ALSO go to bat for you on this - but your agent is point guy to be discussing this beside the adjuster.
I'm assuming we're talking about $4,000 or so of blight. Source(s): agent, 21+ years
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