View Poll Results: Call insurance or not

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  • no

    5 31.25%
  • yes

    11 68.75%
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  1. #1
    Detailing + Design third_shift|studios's Avatar
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    My life is a
    Ben Stiller movie.

    Unhappy Fellow fboders, i need your advice

    as many of you know, i had an accident with the batmobile where i bounced it out of a ditch. I'm debating on turning it into insurance or not. I've recived an estimate from a very reputable, local body shop and it's 2200 for the following:

    replace/repaint front bumper
    replace/repaint drivers fender
    replace bumper support
    adjust bent frame

    I'll be turning 25 this november, i know that's like THE GOLDEN age for everyone and i'd rather see benefits upon renewing my insurance, not see it sky rocket due to an accident. My biggest problem is that If i try to pay out of pocket, it will be a long and aggonizing duration without the trans am b/c i am trying to save money for my wedding next july.

    I have progessive insurance. The body shop says they are notorious for only giving out money for what can be seen on the outside. He said they could tell progressive the frame is damaged until he turns purple and they won't shell out a dime for what they can't see.

    Has anyone been in this situation before? an at-fualt accident with no police report? Anyone know how progressive works in this situation? Thanks for your help.
    Last edited by third_shift|studios; 05-23-2006 at 05:41 AM.


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  2. #2
    Senior Member MadSeason's Avatar
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    Well your deducatable is probably 500 right? file a police report and say someone backed into you. Check the junk yard for parts and just get a paint quote, why have insurance go up and end up paying more than 1500 out of pocket in the long run. my 2 cents

  3. #3
    Detailing + Design third_shift|studios's Avatar
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    My life is a
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    intresting take...anyone else have any scheming ideas?

  4. #4
    Senior Member Zboner's Avatar
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    I Saw They Cover The Frame Damage Cause That Is The Whole Reason You Have Insurance In The First Place And Why You Pay Them Incase Something Like This Happens. If I Were In Your Situation I Would Be On The Phone Non-stop Untill It Was Resolved And They Were Covering Everything And You Pay The Deductable. I Dont Think Your Premium Should Go Up Much Since Its Going To Drop In A Few Months Anyways, And If It Does Then Drop Insurance On The Car After U Get It Fixed.

    The Louder You Scream About It And Let Them Know Its Getting Fixed And Your Not Paying For It The Better.

    Just My .02

  5. #5
    Detailing + Design third_shift|studios's Avatar
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    My life is a
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    wow...when zboenr's pissed, he gets shit done...

  6. #6
    Senior Member Zboner's Avatar
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    I Think They Have To Fix It No Matter What, Its Not What They Can Only See, If That Was The Case Nothing Would Get Fixed. I Think This Guy Is Giving You The Go Around Man. Most Shops Work Closely With Insurnace Companies To Get More Business So They Want To Keep Them Happy

  7. #7
    Senior Member MadSeason's Avatar
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    here's something else to consider, reporting it makes it go on the vehicle history. depreciating the value of the car, you're just getting touch up work done, why hurt yourself if you goto sell it in the future.

  8. #8
    Detailing + Design third_shift|studios's Avatar
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    My life is a
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    no way will i sell this car.

    zboner, i think think that's an assinign statement....he's pretty straight talkin'

  9. #9
    Senior Member Zboner's Avatar
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    Let Me Tell You There All Straight Talking, But When It Comes To Money Anyone Will Screw Over Anyone, Sorry Thats Just The Way It Is, And You Have Only Met Him Once Man, I Can Understand Maybe If U Went There A Few Times Before.

    Hey Cincy Trans Was In Good With The Warrenty Company And Insurance Company I Delt With.

  10. #10
    Senior Member Zboner's Avatar
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    Dude We Do Body Work Here On Big Trucks, And We Fuck People All The Time Everyday Because They Think Were Straight Talkin Or There Friends.

    Truth Is We Just Want The Money And They Dont Know Any Better And Think There Gettin A Deal And Were Tellin The Truth

  11. #11
    Paid 2 Post Daycrew SexOnWheels's Avatar
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    Just pay for it on your own if you can.

    Try and find the parts online and prep them for paint yourself.

  12. #12
    Detailing + Design third_shift|studios's Avatar
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    My life is a
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  13. #13
    Senior Member Zboner's Avatar
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    Dude Im Tellin You I See It Every Day Here At Work Man

  14. #14
    Detailing + Design third_shift|studios's Avatar
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    My life is a
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    allright, so what do i do then, is my battle with the body shop or progressive?

  15. #15
    Senior Member Zboner's Avatar
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    progressive, he just wants his money and does not care where it comes from. u need to get on the phone with progressive and tell them that the frame needs to get fixed and do not sign anything untill they pay for everything and fix the frame. u paid them good money to insure this car in case something happened well it did and they should cover it since its body damage

  16. #16
    O U 8 1 2 Spaz's Avatar
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    trade your car for mads... j/k

    just call the insure company... what the hell do you pay them for if you're notoging to use it???

  17. #17
    Senior Member MadSeason's Avatar
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    dude all you did was spider the paint on the front, get a new bumper and get it painted. put it on yourself

  18. #18
    Senior Member Zboner's Avatar
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    its cracked by the drivers side fog light and pushed the drivers fender back and cracked it by the mirrors

  19. #19
    MY SON'S A RICER! TMF's Avatar
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    Dude, I say anytime you got a chance to get $ out of them fukkers do it! That's why you pay all that $

  20. #20
    Detailing + Design third_shift|studios's Avatar
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    My life is a
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    Quote Originally Posted by MadSeason
    dude all you did was spider the paint on the front, get a new bumper and get it painted. put it on yourself
    appearantly you didn't read the estimate...please see original statement.



    I called progressive and they told me that if i claim it, my insurance will increase 178 per renual for 3 years. Me turning 25 has no positive effect on my premium. So lets put it this way: if i claim it and pay $500, then 6 payments of 178 = 1568, which means they are actually only saving me $542 from this. [1568 from 2200= 542] They get their money back...still not sure if it's worth it though...

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