I got big dent on my qt panel and hail dent all over the car...my insurance quote me $590for qt panel and $1300 for hail...so they paying me $90+$800 after deductible...Since hail demage isn't bad...my plan is "get my cracked windshield fixed and just fix qt panel...I think 890 is enought for those...Now question is..anyone know bodyshop deals like that???

 

I'm confused. Are you making one claim with insurance or two separate claims? Why can't they just take a single $500 deductible and pay you $1390?

 

wait a min man...

eitherway... are you telling me ... you have 2 bills: one for 590 and one for 1300... I would get insurance to pay for the 1300 claim (they pay 800 you pay 500)... and DO NOT i repeat DO NOT claim the 590 via insurance... just pay it out of pocket.. it is not worth having them cover 90$ worth of coverage when they will drive up your premium for having 2 claims...

Ill even send you the 90 just to make sure you don't go via insurance and screw yourself in the long run (I bet insurance company will make that 90$ back from you in 2 months worth of insurance payment increases)

well maybe i wont.. but just pay the 90....

OR if you can file em as one claim (i am assuming you cant as they are separate inci-dents - yes yes very funny) like moog suggests ... that way ... insurance covers 1390 and you cover 500...

Let us know how it goes...

 

its two seperate claim...

 

for qt panel..this car going infront of me ran over this big rock (3inch long) and it flew up and hit my qt panel..happened from 121 and 35 where construction going on....so I just talked my agent and she said don't worry about premium...

 

You're wanting to claim $590 with a $500 deductible to get $90. This will drive your premiums up. Just dont' claim the $590 b/c it's not worth $90 in the long run.

 

I don't want to claim if it will raise my premium up for only $90 either...I don't really care about money...I can pay extra..Just want to know who will replace my windshield and fix my qt panel with hail demage estimation...

 

Why don't you just get a check from insurance and tell them you haven't decided what body shop you'll take it to?

 

then they will make it out to me and my financial company...they will ask for receipt...

 

Here is what i would do..... and i have done it before...

When it comes to hail insurance companies generally pay out the claim based on pdr of the repairs, generally speaking, you can get the insurance company to pay for repair and repaint if you get the body shop to call them and get a supplement.

So here is what i would do, go to a body shop (like ted prohaska, i think thats his name) which does not do pdr for whatever reason (a great argument is that pdr may damage the paint when being popped out in the long run, etc)

When the new estimate pays out, tell the body shop what to repair Remember you own the car, and you decide what to fix, and when the check comes your finance company should just sign it off to the body shop, who should then write you a check for the extra money. (or if your good, you might find a shop that will eat some of the deductible to do the repair)

GL

 

Thank you for help guys~I will do what peincealyy told me to do..I just talked to this bodyshop person and he said he will get a supplement for hail..He said that it is ok to take my car to other bodyshop..
I think I will go back to shop where repainted my car so they can match the color better..And before I get money I will go to bodyshop first to get estimation so I can get enought money...and I will get my windshield and qt panel fixed