Rear Ended, Adjuster came, what's next? - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Fidgit · 01-31-2012, 12:47 PM

I was in a minor accident yesterday, I was rear ended by a Lexus rx330. She hit me hard enough to leave an imprint of her license plate number in my bumper. I was in stopped traffic, she wasn’t paying attention, and accepted full responsibility.

The insurance adjuster just left and offered me a check for $800 for the damage. He is saying the damaged fascia can be repaired and painted to look good enough. I am wondering if I should push to have the bumper cover replaced. The part itself is $400+ from the dealership (I know I can find it cheaper but just as a reference) plus the paint, labor etc.

1- Am I within my rights as the person who was hit to push for a replacement over repair?

2- Has anyone been in this situation yet?

Camaro21 · 01-31-2012, 12:59 PM

I would get SEVERAL Estimates to repair the Damage and use that to negotiate... You have the right to have your vehicle repaired at whichever place YOU CHOOSE.. After you get your estimates, submit the estimate to their insurance company for payment.. Do not Accept their settlement until you have several estimates.

Good Luck !!
Keith

Juiced1 · 01-31-2012, 01:01 PM

Quote:

Originally Posted by Camaro21

I would get SEVERAL Estimates to repair the Damage and use that to negotiate... You have the right to have your vehicle repaired at whichever place YOU CHOOSE.. After you get your estimates, submit the estimate to their insurance company for payment.. Do not Accept their settlement until you have several estimates.

Good Luck !!
Keith

1+.

Fidgit · 01-31-2012, 01:12 PM

I took the car to a body shop right after the accident. I work across the street from a few, and I was told 700+ to repair but I should fight for a replacement. The adjuster told me today "It can be repaired, Progressive wont pay for a new bumper. If you want to go through your own insurance, you can, but your rates will go up and there is a chance they still wont pay."

toesuf94 · 01-31-2012, 01:35 PM

Umm...what is a "Good Enough" repair when it comes to his client hitting your car and causing damage? Would he settle for "good enough" if you hit his car and told him you would give him "X" to fix HIS car "good enough"? Ugh.

Fidgit · 01-31-2012, 01:48 PM

Quote:

Originally Posted by toesuf94

Umm...what is a "Good Enough" repair when it comes to his client hitting your car and causing damage? Would he settle for "good enough" if you hit his car and told him you would give him "X" to fix HIS car "good enough"? Ugh.

That was my sentiment exactly. He tried to backtrack and say that he would have it repaired because "nothing lines up like the original panel..." and all that. As if every singel rear bumper is different. I didnt argue with him but I did say I would not be accepting a check today. Im in no rush, I want it fixed correctly.

BenningJ · 01-31-2012, 01:51 PM

I had my bumper repaired a few months back. My dealership repaired the damage and repainted the entire bumper. I think it looks better than when I bought the car. The paint matches better. There isn't anything wrong with repair work as long as it is a quality repair...

toesuf94 · 01-31-2012, 01:59 PM

Quote:

Originally Posted by BenningJ

I had my bumper repaired a few months back. My dealership repaired the damage and repainted the entire bumper. I think it looks better than when I bought the car. The paint matches better. There isn't anything wrong with repair work as long as it is a quality repair...

I have seen his work...I can attest. I just did not like the adjuster's use of "good enough"

garcmol · 01-31-2012, 02:05 PM

Quote:

Originally Posted by Fidgit

I took the car to a body shop right after the accident. I work across the street from a few, and I was told 700+ to repair but I should fight for a replacement. The adjuster told me today "It can be repaired, Progressive wont pay for a new bumper. If you want to go through your own insurance, you can, but your rates will go up and there is a chance they still wont pay."

You need to contact your insurance company!! Do NOT accept any settlement check either. Your insurance company will fight the fight for you, that's what they are there for. Get YOUR estimates from YOUR body shop you want doing the work. Your rates won't budge! The adjuster offering to you to go through your insurance for a claim would most likely affect your rate, but that's not what you're doing here.

What a load of

Adam's Polishes · 01-31-2012, 02:19 PM

Word... and whatever you do, do not accept any check until you are satisfied. The reason they offered you the $800 was to keep their loss down, and if you had accepted it that would be the end of it and you'd have no further recourse. Let your insurance fight this for you.

67 Convertible · 01-31-2012, 02:30 PM

Quote:

Originally Posted by garcmol

You need to contact your insurance company!! Do NOT accept any settlement check either. Your insurance company will fight the fight for you, that's what they are there for. Get YOUR estimates from YOUR body shop you want doing the work. Your rates won't budge! The adjuster offering to you to go through your insurance for a claim would most likely affect your rate, but that's not what you're doing here.

What a load of

^^^^^^^^^EXACTLY!!!^^^^^^^^^^

ParisTNDude · 01-31-2012, 02:35 PM

Get your repair estimates from a Chevy dealership...they are always the highest. I wouldn't accept a repaired facia...get a new one!

CamaroDreams07 · 01-31-2012, 02:52 PM

You shouldn't be dealing with their insurance company at all. Get your estimates, submit them to your insurance. They will then get the money from the other insurance company. If the other company argues, YOUR insurance company will pay for the repairs (at no cost to you) and then will have their sizable legal team retrieve the money from the other insurance company.

Whatever you do, DO NOT ACCEPT anything they offer you. Doing so forfeits your right to anything else.

Fidgit · 02-08-2012, 01:03 PM

Quote:

Originally Posted by CamaroDreams07

You shouldn't be dealing with their insurance company at all. Get your estimates, submit them to your insurance. They will then get the money from the other insurance company. If the other company argues, YOUR insurance company will pay for the repairs (at no cost to you) and then will have their sizable legal team retrieve the money from the other insurance company.

Whatever you do, DO NOT ACCEPT anything they offer you. Doing so forfeits your right to anything else.

Problem is, their insurance company IS my insurance company. We both have progressive and theyre telling me to just drop it off at the bodyshop and any extras will be paid if they find any more damage. I hate this stuff.

01-31-2012, 12:47 PM	#1
Fidgit Drives: 2010 2SS/RS, Black-on-Black Join Date: Sep 2010 Location: Putnam County, NY Posts: 173 View My Garage	Rear Ended, Adjuster came, what's next? I was in a minor accident yesterday, I was rear ended by a Lexus rx330. She hit me hard enough to leave an imprint of her license plate number in my bumper. I was in stopped traffic, she wasn’t paying attention, and accepted full responsibility. The insurance adjuster just left and offered me a check for $800 for the damage. He is saying the damaged fascia can be repaired and painted to look good enough. I am wondering if I should push to have the bumper cover replaced. The part itself is $400+ from the dealership (I know I can find it cheaper but just as a reference) plus the paint, labor etc. 1- Am I within my rights as the person who was hit to push for a replacement over repair? 2- Has anyone been in this situation yet?

01-31-2012, 01:35 PM	#5
toesuf94 Drives: THR #11 E-force supercharged Join Date: Jul 2008 Location: Cedar Rapids, IA Posts: 4,746	Umm...what is a "Good Enough" repair when it comes to his client hitting your car and causing damage? Would he settle for "good enough" if you hit his car and told him you would give him "X" to fix HIS car "good enough"? Ugh. __________________ Cars and women are both going to give you problems...but you can pay somebody else to fix your car!

01-31-2012, 01:51 PM	#7
BenningJ Drives: 2013 AGM 1SS/RS LS3 Join Date: Mar 2011 Location: Cedar Falls, Iowa Posts: 1,581 View My Garage	I had my bumper repaired a few months back. My dealership repaired the damage and repainted the entire bumper. I think it looks better than when I bought the car. The paint matches better. There isn't anything wrong with repair work as long as it is a quality repair... __________________ 2013 Camaro 1SS/RS - Ashen Gray Metallic \| LS3 \| CAI Inductions, Inc Intake \| Vmax Ported Throttle Body \| Dynatech 1.875" Long Tube Headers \| Apex Scoop & Washer Bottle Relocation \| Lethal Racing Night Fury Cam \| BTR 7.400" Push Rods \|LS2 Dampener \| Melling 10296 Oil Pump \| IWIS Chain \| BTR .660" Dual Valve Springs \| BTR Trunion Upgrade Kit \| Lethal Racing Tuned \| Anvil Notch Spoiler \| BMR Split Drop Springs \| Eaton TrueTrac \| GM 3.91 Gears \| LPW Diff Cover \| Rohana RF2 275/40 20x10F 315/35 20x11R \| BMR Polyurethane Motor Mounts

01-31-2012, 02:35 PM	#12
ParisTNDude Owning SSes for 50 Years Drives: Sharkskin Grey LT1 Join Date: Apr 2010 Location: Paris, TN Posts: 3,139 View My Garage	Get your repair estimates from a Chevy dealership...they are always the highest. I wouldn't accept a repaired facia...get a new one! __________________ The new ride: 2023 Camaro, LT1, Sharkskin Grey Previous Performance Cars: 1966 Chevelle SS 4M, 2010 Corvette 6M 1968 Dodge Charger R/T Auto 2012 1SS 6M 1982 Corvette Auto 2010 1SS 6A 1984 Corvette Auto 2016 2SS 8A 1999 Camaro Auto 2017 HBM 1SS 1le 2002 C5 Corvette 6M 2018 2SS 2006 Corvette Auto 2023 Camaro LT1

01-31-2012, 02:52 PM	#13
CamaroDreams07 Drives: Slow V6 Join Date: Jun 2009 Location: East Lansing, MI Posts: 9,361 View My Garage	You shouldn't be dealing with their insurance company at all. Get your estimates, submit them to your insurance. They will then get the money from the other insurance company. If the other company argues, YOUR insurance company will pay for the repairs (at no cost to you) and then will have their sizable legal team retrieve the money from the other insurance company. Whatever you do, DO NOT ACCEPT anything they offer you. Doing so forfeits your right to anything else. __________________ [B]

01-31-2012, 12:59 PM	#2
Camaro21 Drives: SOLD - 2013 M6 ZL1 Join Date: Jul 2009 Location: Texas Posts: 5,041 View My Garage	I would get SEVERAL Estimates to repair the Damage and use that to negotiate... You have the right to have your vehicle repaired at whichever place YOU CHOOSE.. After you get your estimates, submit the estimate to their insurance company for payment.. Do not Accept their settlement until you have several estimates. Good Luck !! Keith

01-31-2012, 01:12 PM	#4
Fidgit Drives: 2010 2SS/RS, Black-on-Black Join Date: Sep 2010 Location: Putnam County, NY Posts: 173 View My Garage	I took the car to a body shop right after the accident. I work across the street from a few, and I was told 700+ to repair but I should fight for a replacement. The adjuster told me today "It can be repaired, Progressive wont pay for a new bumper. If you want to go through your own insurance, you can, but your rates will go up and there is a chance they still wont pay."

01-31-2012, 02:19 PM	#10
Adam's Polishes Drives: The shiny ones. Join Date: Mar 2010 Location: In the detail shop! Posts: 5,979	Word... and whatever you do, do not accept any check until you are satisfied. The reason they offered you the $800 was to keep their loss down, and if you had accepted it that would be the end of it and you'd have no further recourse. Let your insurance fight this for you.

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