Batman228
Regular
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Posts: 115
Phillip & Trixxie
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« on: June 21, 2008, 05:42:57 PM » |
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Hey all. Trixxie is ok, as far as I can tell. Someone pulled out of McDonalds on Mercury near I64. They proceeded to shoot straight across the road and before I could protect her, a gold Scion XB assaulted her. I can see a dent just infront of the side marker on the right side and the hood does not appear to be even. The mirror got turned all the way around and thank god the window was open all the way, or there would be glass all over. Right front rim has been scuffed on the outer ring as well as my center. Any suggestions for me to advise the insurance company for me to have her fixed properly. The black fende molding is ate up and no the paint at the edge is scraped up. Will put pictures up later.
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Phillip & Trixxie
Team AutoXCooper.com
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Uber Blu
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« Reply #1 on: June 21, 2008, 09:22:41 PM » |
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Hey all. Trixxie is ok, as far as I can tell. Someone pulled out of McDonalds on Mercury near I64. They proceeded to shoot straight across the road and before I could protect her, a gold Scion XB assaulted her. I can see a dent just infront of the side marker on the right side and the hood does not appear to be even. The mirror got turned all the way around and thank god the window was open all the way, or there would be glass all over. Right front rim has been scuffed on the outer ring as well as my center. Any suggestions for me to advise the insurance company for me to have her fixed properly. The black fende molding is ate up and no the paint at the edge is scraped up. Will put pictures up later.
Glad no one was hurt! I'm guessing that the other driver was cited? Just explain exactly what happened to the adjuster--they'll do an inspection. In fact, you may want to type it all out and give the adjuster a copy. When I had my accident in March, I described the impact in detail, yet the collision center still managed to miss the fact that my exhaust system had been pushed upwards. This error caused the NEW bumper to begin melting ONTO the exhaust tip...hence,they had to get another new bumper and repair the exhaust system. |
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 Became a proud 1st time MINI owner on 01/13/07!!! '06 HB/W, #1, #2, #3, #4 (Prod. date: 10/20/06) MINI #15 at GWR 06/10/07 |
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BabyBMW
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« Reply #3 on: June 22, 2008, 10:01:24 AM » |
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You really have to drive defensively these days as drivers just don't care about the others around them or their actions.
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Steve Keep the Shiny side up.  |
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Mini S Pilot
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« Reply #4 on: June 22, 2008, 02:37:10 PM » |
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So sorry to hear this.  Sounds like there were no injuries involving life forms. That's a positive point.  I'm in agreement that you should write down your account while it's fresh in your mind. You never know if one of the other parties will change their story down the line.  Surely keep the emotions out of it. |
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'07 MCS Chili Red w/white bonnet stripes/roof/mirrors, Prem & Sport pkgs, 17" Web Spokes, Chrome Line Interior, Rooster Red Color Line, Hi-Fi, Driving Lights, Rear white out pkg. Named: Shelby Jr., personalized plates... N2 BEADZ (it's a hobby thing)
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MD_IN_UK
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« Reply #5 on: June 22, 2008, 07:36:47 PM » |
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Please don't take this as selfish self promotion. FYI and all those reading this, DO NOT let your insurance company representative direct you to any specific shop for repairs. You have the legal right to have your car fixed wherever you want. If you have a favorite body shop that you know and trust to do the work to your satisfaction, tell them. Most insurance companies will not argue the point.
The only statement I know of some companies useing is the one that states they will not warranty the repairs of a shop outside of there network shops. Not to worry, as most reputable body shops will warranty there work for as long as you own your car. Some paint warranties differ from one to another, but that's where doing your homework comes into play.
Good Luck with getting your MINI repaired, and hope you'll me Motoring again soon.
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Batman228
Regular
Offline
Posts: 115
Phillip & Trixxie
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« Reply #6 on: June 22, 2008, 08:42:50 PM » |
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Hey, selfish self promotions require you to come out and say "Hey I do this". But yeah we are ok. I got everything written down.
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Phillip & Trixxie
Team AutoXCooper.com
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Warped
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« Reply #7 on: June 22, 2008, 10:01:43 PM » |
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Please don't take this as selfish self promotion. FYI and all those reading this, DO NOT let your insurance company representative direct you to any specific shop for repairs. You have the legal right to have your car fixed wherever you want. If you have a favorite body shop that you know and trust to do the work to your satisfaction, tell them. Most insurance companies will not argue the point.
The only statement I know of some companies useing is the one that states they will not warranty the repairs of a shop outside of there network shops. Not to worry, as most reputable body shops will warranty there work for as long as you own your car. Some paint warranties differ from one to another, but that's where doing your homework comes into play.
Good Luck with getting your MINI repaired, and hope you'll me Motoring again soon.
Amen! You have the right to choose! Well put Howard!  |
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 "Pity for the guilty is treason to the innocent." - Richard Rahl
"Justice is not the exercise of hatred, it is the celebration of civilization." - Richard Rahl |
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Trish
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« Reply #8 on: June 23, 2008, 08:47:24 AM » |
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FYI and all those reading this, DO NOT let your insurance company representative direct you to any specific shop for repairs. You have the legal right to have your car fixed wherever you want. If you have a favorite body shop that you know and trust to do the work to your satisfaction, tell them. Most insurance companies will not argue the point.
The only statement I know of some companies useing is the one that states they will not warranty the repairs of a shop outside of there network shops. Not to worry, as most reputable body shops will warranty there work for as long as you own your car. Some paint warranties differ from one to another, but that's where doing your homework comes into play.
This is all true but insurance companies will typically try and direct their policy holder to do what's best. As for directing them to a particular shop; its not really about a warranty issue its more like this: you choose your own body shop that is not contracted with your respective insurance company-what the ins. co. will do then is cut you a check for repairs as opposed to dealing with the shop for you. At least that is what my company does. ~ stepping down from my insurance agent box now. Good luck to you! |
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 2005 HyperBlue Convertible VBCHCHK |
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MD_IN_UK
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« Reply #9 on: June 23, 2008, 02:37:23 PM » |
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Trish,very well put. I figured someone else with some experience on one side of the fence or the other would have something to say, wether pro or con.
What you say is correct in every sense as well. I'm not sure what Company yoy work for, but I hope that more adjusters would at least try to be a bit more like you. In a word "FAIR". Afterall, we are only trying to make a living. Speaking of which, I could very well be looking into the position of adjuster one day soon myself. I'm not getting any younger lol
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MD_IN_UK
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« Reply #10 on: June 23, 2008, 02:39:14 PM » |
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Please don't take this as selfish self promotion. FYI and all those reading this, DO NOT let your insurance company representative direct you to any specific shop for repairs. You have the legal right to have your car fixed wherever you want. If you have a favorite body shop that you know and trust to do the work to your satisfaction, tell them. Most insurance companies will not argue the point.
The only statement I know of some companies useing is the one that states they will not warranty the repairs of a shop outside of there network shops. Not to worry, as most reputable body shops will warranty there work for as long as you own your car. Some paint warranties differ from one to another, but that's where doing your homework comes into play.
Good Luck with getting your MINI repaired, and hope you'll me Motoring again soon.
Amen! You have the right to choose! Well put Howard! BTW, who's Howard? |
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Warped
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« Reply #11 on: June 23, 2008, 04:19:40 PM » |
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Please don't take this as selfish self promotion. FYI and all those reading this, DO NOT let your insurance company representative direct you to any specific shop for repairs. You have the legal right to have your car fixed wherever you want. If you have a favorite body shop that you know and trust to do the work to your satisfaction, tell them. Most insurance companies will not argue the point.
The only statement I know of some companies useing is the one that states they will not warranty the repairs of a shop outside of there network shops. Not to worry, as most reputable body shops will warranty there work for as long as you own your car. Some paint warranties differ from one to another, but that's where doing your homework comes into play.
Good Luck with getting your MINI repaired, and hope you'll me Motoring again soon.
Amen! You have the right to choose! Well put Howard! BTW, who's Howard? Oops... I was looking at Bimini's username when I replied to you. heh... |
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"Pity for the guilty is treason to the innocent." - Richard Rahl
"Justice is not the exercise of hatred, it is the celebration of civilization." - Richard Rahl
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MD_IN_UK
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« Reply #12 on: June 23, 2008, 05:09:30 PM » |
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It happens. I think I once called Sean (Mpetuos) Matt or something. He never called me out on it. Must have felt sorry for the old timer  |
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maacodale
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« Reply #13 on: June 23, 2008, 08:29:05 PM » |
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Trish, I disagree for the most part. You say insurance companies will do what's best. But for whom? The insured/claimant or the insurance company itself. Correct me if I'm wrong, but most of the insurance companies who are in bed with bodyshops do get some sort of discount or favors for the insurance company referring work to them. Whether it's discounted labor, discounted parts, free towing, etc.
I've had insurance companies try to scare customers into taking their cars out of my shop and to one of their "preferred" shops. Some even tell the customers they can't "stand behind" the repairs if my shop did the work. It will be a cold day in h#ll when I need an insurer stand behind my repairs. By the way, we've had lifetime, nationwide warranties well before the insurance companies thought it was the right thing to do.
If some shops feel the need to discount their prices to get work, so be it. But I do think the customers need to be aware that the insurance companies get a "deal" when their car goes to a preferred shop. Also, some customers are never told they have an option to get the work done at a shop of their choice.
Additionally, I work with all insurance companies out there. Some I prefer to deal with over others. State Farm, for example, will not use anything but original equipment parts. No aftermarket/generic/copycat parts. Most others definitely advocate their use in repairing customers vehicles.
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Dale Blankenship
Poquoson, VA
07 Mellow YellowCooper S
Of course son thinks it's his!
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Trish
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« Reply #14 on: June 23, 2008, 08:56:42 PM » |
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Trish, I disagree for the most part. You say insurance companies will do what's best. But for whom? The insured/claimant or the insurance company itself. Correct me if I'm wrong, but most of the insurance companies who are in bed with bodyshops do get some sort of discount or favors for the insurance company referring work to them. Whether it's discounted labor, discounted parts, free towing, etc.
I've had insurance companies try to scare customers into taking their cars out of my shop and to one of their "preferred" shops. Some even tell the customers they can't "stand behind" the repairs if my shop did the work. It will be a cold day in h#ll when I need an insurer stand behind my repairs. By the way, we've had lifetime, nationwide warranties well before the insurance companies thought it was the right thing to do.
If some shops feel the need to discount their prices to get work, so be it. But I do think the customers need to be aware that the insurance companies get a "deal" when their car goes to a preferred shop. Also, some customers are never told they have an option to get the work done at a shop of their choice.
Additionally, I work with all insurance companies out there. Some I prefer to deal with over others. State Farm, for example, will not use anything but original equipment parts. No aftermarket/generic/copycat parts. Most others definitely advocate their use in repairing customers vehicles.
I didn't really want to get into writing a book on how the insurance adjuster/adjustments go thats kinda why I specified the co I work for will advise the customer to do what they want. I do not work for SF but anyhoo I can't speak for them all .....we do have shops that we will suggest but we do make a point of noting that the shop of choice is an option. It is the customers choice and I know that my preferred shop is not on my insurance company's list. That is also why the insurance co, at least the one I work for, will note that they/we will do all the negotiating w/$ stuff directly with the shops on our list and if a customer chooses to go elsewhere, present us-or have their respective shop present us with their estimate. We'll cut a check and the customer will deal with the rest. We know that shops understand depreciation of parts and labor expense so I don't know what else to tell you to get that bad taste of insurance co's out of your mouth. I don't know that we get any discount or "kick back" from the shops we list I just know that in order to be on that list, customer satisfaction is #1. From price, to convenience to courteousness. Maybe we can chat about it sometime? I could talk insurance all day long; I never get tired of it! Ask the hubby...no wait, I think he fell asleep on me LOL |
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2005 HyperBlue Convertible VBCHCHK |
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