Where do I damage estimate quotes? - Page 2

Christina848 · 09-07-2012, 12:14 PM

Originally Posted by Runout

Probably depends on your coverage. If you have comp/collision (not just liability) you most definitely should go through your insurance. They may give you a list of shops which are preferred, but they write the check.

They'll go after the at-fault party and their insurance company to recover their own funds.

We send these guys money month after month. I'm happy to make them do some work when they're up to bat.

I do have full comprehensive coverage through statefarm. I'm waiting to hear back from Workmen's auto insurance before pushing further with my agent. Apparently the guy who hit me is now lying to his insurance company claiming that he was hit by a third party, causing him to hit me. Interesting, since he admitted fault to me and the WA state patrol officer the morning of the collision and never mentioned this mysterious third vehicle.

I read the info on the site posted. If I don't hear back from them today, I'll call statefarm again. And hopefully they will be more helpful than last time. Otherwise I will definitely need a recommendation for a new agent.

Thanks for the info, and sorry to the original poster for stealing your thread.

inod3 · 09-07-2012, 12:28 PM

Looking for specific laws. Personally I would take it to my chosen shop for an estimate and provide that estimate to the insurance company.

Redkat600's link was from the commissioner's office but my guess is you haven't signed a contract with the other guy's insurance.

"In Washington state, unless you signed a contract with an insurer to take your car only to a specified repair shop, you can choose where to take it." - so a literal reading, which is good in law, says "In Washington state you can choose where to take it." - the "unless" does not apply because you have not signed a contract with the other guy's insurance. Of course, blog isn't law, can't very well cite a blog.

So far I've found this: http://apps.leg.wa.gov/WAC/default.aspx?cite=284-30-390

Christina848 · 09-07-2012, 12:32 PM

I have an estimate from my shop. When I asked where to email/fax it, they told me that would not be necessary and that they will get back to me on where I can take it. My estimate is from University VW/audi in Udistrict. Reputable shop.

RedKat600 · 09-07-2012, 12:35 PM

Well, what's on the police report is what's on record. Don't let anything deviate from that. The insurance company should have a copy of the police report also.

FWIW, you may want to consider getting multiple quotes. High, low, median. If nothing else for your records anyway.

Buick_65 · 09-07-2012, 12:48 PM

Originally Posted by Christina848

I have an estimate from my shop. When I asked where to email/fax it, they told me that would not be necessary and that they will get back to me on where I can take it. My estimate is from University VW/audi in Udistrict. Reputable shop.

If its a vw/audi you're getting fixed I'd recommend Carter Seattle. Fast Fred Hoffman the service manager is an excellent dude.

Christina848 · 09-07-2012, 12:52 PM

Originally Posted by Buick_65

If its a vw/audi you're getting fixed I'd recommend Carter Seattle. Fast Fred Hoffman the service manager is an excellent dude.

Thanks, but I've had great experiences at university. If that ever goes sour, I'll check out Carter.

Sentor · 09-07-2012, 12:56 PM

They have the right to ask you to go to their shop as well. But ultimately, you can get your vehicle fixed ANYWHERE you want to, as long as it's within a few percentage points of their valuation of the damage. They may say that they're only going to cover X amount, which means you'll need to file a claim with your insurance for uninsured/underinsured motorist. This will light a fire under SF's ass, and get them talking with the douches' insurance company very quickly.

Also, it won't matter that someone hit him, and he hit you, as it doesn't matter. Ultimately, he hit you, and you will go after him, and his insurance will go after the guy who hit him.

Your insurance company is there to do it's job, use them. If they tell you to go through the other peoples' insurance, tell them to fuck off, and start a claim for uninsured motorist. That'll get them moving quickly.

Also, file a complaint on state farms website about the service you received.

sschering · 09-07-2012, 01:07 PM

Are they telling you where to get it fixed or just asking you to take it to their shop for an estimate?

Don't let them jerk you around on the rental car either.
Last time I got rear ended (others guys fault) the Ins co tried to make me take a compact rental in place of my van.. Sorry folks.. I need room for 6.. They coughed up a Full size SUV.. 2 weeks later my van was still in the shop and they called asking for the truck back claiming my policy only covered 2 weeks of rental. I had to calmly remind them I didn't have a policy with them.. I didn't care what coverage their customer had for himself.. Their job is to compensate me for my loss due to their customers actions. When my van is done you get it back..

Definitely go after diminished value. That accident will be on car fax and any dealer is going to knock you on trade in value for it.. Push for it and get it..

I traded in that van last month.. 7 years after the accident and the dealers were all knocking trade in value $500-$1000 because of it on the car fax.

ddonacazx12 · 09-09-2012, 07:52 AM

I know EDR can do repairs... (ever see what some of the crash damage looks like from the track

)

hoodview should be able to do the same.

dragracer1951 · 09-09-2012, 08:43 AM

Originally Posted by goslow

And don't forget to file for Diminished Value. Many people overlook this or are not aware of this coverage in WA state.

Filing a diminished value claim after an accident

Diminished value is the difference (if any) between the market value of your undamaged car before an accident and its market value after repairs are made.

The insurer doesn't automatically pay you for diminished value. It's subject to proof that your car's market value decreased. If you plan to file a claim for diminished value, we recommend you talk to your claims adjuster.

I'd like to know some more about this.
I have a claim for an article that was damaged, I provided an appraisal, and if repaired it will not be valued as much as it was.
Where can I find more about diminished value???


09-07-2012, 12:28 PM	#22
inod3 Endorsed Joined: Aug 2010 From: Shoreline, WA I Ride: 2002 Suzuki Bandit 600S	Looking for specific laws. Personally I would take it to my chosen shop for an estimate and provide that estimate to the insurance company. Redkat600's link was from the commissioner's office but my guess is you haven't signed a contract with the other guy's insurance. "In Washington state, unless you signed a contract with an insurer to take your car only to a specified repair shop, you can choose where to take it." - so a literal reading, which is good in law, says "In Washington state you can choose where to take it." - the "unless" does not apply because you have not signed a contract with the other guy's insurance. Of course, blog isn't law, can't very well cite a blog. So far I've found this: http://apps.leg.wa.gov/WAC/default.aspx?cite=284-30-390 __________________ Follow PNW Riders on Facebook and Twitter Last edited by inod3; 09-07-2012 at 12:43 PM..


09-07-2012, 12:32 PM	#23
Christina848 Permit Joined: Dec 2007 From: Seattle, WA I Ride: off cliffs	I have an estimate from my shop. When I asked where to email/fax it, they told me that would not be necessary and that they will get back to me on where I can take it. My estimate is from University VW/audi in Udistrict. Reputable shop. __________________ Follow PNW Riders on Facebook and Twitter


09-07-2012, 12:35 PM	#24
RedKat600 Joined: May 2011 From: LaCenter, WA I Ride: 2003 Copper SV1K	Well, what's on the police report is what's on record. Don't let anything deviate from that. The insurance company should have a copy of the police report also. FWIW, you may want to consider getting multiple quotes. High, low, median. If nothing else for your records anyway. __________________ Follow PNW Riders on Facebook and Twitter


09-07-2012, 12:56 PM	#27
Sentor Novice Racer Joined: Feb 2006 From: Beaverton, OR I Ride: 2008 R6 Race Bike - #52 - And whatever's in the shop!	They have the right to ask you to go to their shop as well. But ultimately, you can get your vehicle fixed ANYWHERE you want to, as long as it's within a few percentage points of their valuation of the damage. They may say that they're only going to cover X amount, which means you'll need to file a claim with your insurance for uninsured/underinsured motorist. This will light a fire under SF's ass, and get them talking with the douches' insurance company very quickly. Also, it won't matter that someone hit him, and he hit you, as it doesn't matter. Ultimately, he hit you, and you will go after him, and his insurance will go after the guy who hit him. Your insurance company is there to do it's job, use them. If they tell you to go through the other peoples' insurance, tell them to fuck off, and start a claim for uninsured motorist. That'll get them moving quickly. Also, file a complaint on state farms website about the service you received. __________________ Follow PNW Riders on Facebook and Twitter


09-07-2012, 01:07 PM	#28
sschering Knee Dragger Joined: Sep 2008 From: Kennewick, WA Blog Entries: 32 I Ride: Whatever old bike isn't broken, 1977 XS-400D (broken), 1978 GS1000E, 1960 BSA C15 (missing pieces), 97 ZX600E ( It's a lover not a fighter)	Are they telling you where to get it fixed or just asking you to take it to their shop for an estimate? Don't let them jerk you around on the rental car either. Last time I got rear ended (others guys fault) the Ins co tried to make me take a compact rental in place of my van.. Sorry folks.. I need room for 6.. They coughed up a Full size SUV.. 2 weeks later my van was still in the shop and they called asking for the truck back claiming my policy only covered 2 weeks of rental. I had to calmly remind them I didn't have a policy with them.. I didn't care what coverage their customer had for himself.. Their job is to compensate me for my loss due to their customers actions. When my van is done you get it back.. Definitely go after diminished value. That accident will be on car fax and any dealer is going to knock you on trade in value for it.. Push for it and get it.. I traded in that van last month.. 7 years after the accident and the dealers were all knocking trade in value $500-$1000 because of it on the car fax. __________________ Follow PNW Riders on Facebook and Twitter


09-09-2012, 07:52 AM	#29
ddonacazx12 Superbiker Joined: Jul 2007 From: Camas, Washington I Ride: 05 zx12r	I know EDR can do repairs... (ever see what some of the crash damage looks like from the track ) hoodview should be able to do the same. __________________ Follow PNW Riders on Facebook and Twitter

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