Thanks for all the condolences (sp?) and yes it really does suck when you are without your car. Its def one of the hardest. I saw the complete workorder and invoice. it shows all the costs of the parts and how much its being sold to me. On the invoice it says all the parts and cost for each one. the total at the end comes to 5 thousand and some change. After that it shows a 1000 dollar discount. I am working with the bodyshop and set up a wholesale tire account with them, therefore they are helping me out. So there is no insurance fraud going on whatsoever. They are just giving me the discount and that will cover the deductible of $1000

as for the other vehicle. i dont know how much his would cost. he needs a new drive axle on the left side for sure, new bumper, light, and fender. im assuming not much else was damaged.

 

...

 

sorry to hear that, good luck with it...

 

I know fraud is immoral and such and it's something i wouldn't do either. But how come some of you guys talk like you have 10 sticks up your @$$ when something with the slightest hint of "swaying from the law" comes along? It annoys the crap outta me when ppl jump out and go "THAT'S BAD THAT'S AGAINST THE LAW SHAME ON YOU".

Sorry but this happened the other day to me too. I drive a m3 and was telling my friend a story on how my dad's 04 330ci had a skipping cd player so he brought it in. They gave him a new one no questions asked. When i checked it out, i realized it was a 05 unit that could play mp3's! I figured...what if i brought my car in and told them my player was skipping, won't i get a new one? The dealership gets paid by BMWNA (in fact tech's encourage it because it gives them work to do = how they get paid). My friend jumped up like a couple of u stating that i would be lying/frauding and stealing from the dealership etc... It annoys me so much when some people can't think outside of the box i guess?

 

flightz71, clearly you are not familiar with insurance fraud. This happens all the time:
1)you got a buddy at a body shop
2)car needs $3000 worth of work
3) you have $1000 deductible
4)They charge insurance $4000 in damage, make their $3k
5)You dont pay anything because your buddy hooked you up
This happens constantly and is why insurance rates are so high, but apparently this guy didnt do this somehow. If I were him I would probably shut up about it, even if he does have a legitimate situation. No offense, but that seems odd.

 

as mentioned there is nothing illegal about this. I hooked up the guy at the bodyshop, therefore he helps me out. They did not fraud the insurance at all. All they did was give me a great discount which will cover the deductible. So, instead of making $XXX on certain parts, they charge only about 10-30 dollards over cost rather than the normal retail price. With a good deal on the labor as well, this evens out to the 1000 dollars needed for the deductible.
Everyone is always down to jump to conclusions and assume your doing something illegal. Hell I went 50 in a 35 today....thats not legal as well...
what can you do??

 

Actually its not insurance fraud, I am a licensed insurance salesman, its called waiving the deductable, bodyshops do it all the time to drum up more business, its perfectly legit.

 

Do you think insurance companies are dumb? They know what 3k in damage looks like and what 4k in damage looks like, and what the cost of parts are, so phishman, clearly you are not familiar in this area are either.