Company doesn't want to fix my car! Help please.?

S

spamomaster

New member
if you have valid insurance, then file a claim with them. they don't care about your collision insurance. just file a claim. if it gets denied it won't do anything to your record. because the other driver was at fault. but make sure you submit a police report before you go to your insurance. police knows the law better
 
if you have valid insurance, then file a claim with them. they don't care about your collision insurance. just file a claim. if it gets denied it won't do anything to your record. because the other driver was at fault. but make sure you submit a police report before you go to your insurance. police knows the law better
 
If you have collision coverage use your own insurance. You will have to pay a deductible but then your company will go after the other guy to get it back for you. Since your company will get money back this won't be an at-fault accident and your rates won't go up. Ask them. You pay for the coverage so use it.

If you don't have collision or don't want to use it. Keep reading.

You don't say what state you are in so the info I'm going to provide will be general but will apply in most states.

First off if the damages to the car are in excess of 75% of the value then the company that hit your car legally does not owe you to repair the car. In most states if the damages exceed 75% (sometimes 80%) state law requires that the vehicle be totaled out. When that happens the repair figures mean nothing. The only thing that would matter is the Actual Cash Value (ACV) of the vehicle. Once a car is totaled the at-fault party or their insurance owe you the ACV which from what you wrote is approximately $1400. ( I did not research the value so it might be different) That is what they would owe you. However, be advised that they then own the car.

Here is what I would suggest you present to the company that hit your car. Tell them the car is a total loss and legally they owe you the ACV. Tell them that you will accept the value they mentioned $1400.00 and that then you will buy the car back from them for $150.00. That way they can deduct $150 from the $1400 and give you $1250.00. Then you have money to fix the car if you really want to do that.

Good Luck
 
Well if you don't want to report it to your insurance company, there's little else you can do. An attorney is going to drag things out and in the end cost more than it would to file a claim on your insurance. You don't have many choices here
 
if you have valid insurance, then file a claim with them. they don't care about your collision insurance. just file a claim. if it gets denied it won't do anything to your record. because the other driver was at fault. but make sure you submit a police report before you go to your insurance. police knows the law better
 
About a month ago on a Sat, a company car hit my car, leaving a damaged hood, broken headlight, and damaged bumper....I spoke with a representative from the corporate office on the following Monday, and we talked about what had happened and how my car was going to get fixed. He was telling me that the company did not want to file a claim, that doing so would cause them to pay their insurance company a $5,000 deductible, and the damages to the car probably was not going to cost that much. So the company had asked me to get 3 estimates to get an idea how much to give me for repairs.....The average cost for the repairs was going to be about $1,250, the cheapest being $1,160. I have a 1997 Pontiac Sunfire, which apparently is worth about $1,400 with the miles on my car. That's what the representative told me. Well even with an estimate, whoever was handling the situation for the company decided that my car was not worth the amount of money the shops were charging to fix it. So what they did was offer me $500 for the damages! I was so angry. I didn't do anything but park my car and they expect me to pay out of pocket for something I didn't do. Yeah I have insurance, but I'm a little hesitant to report it because my rates will increase dramatically, considering I'm still very young. I understand that my car isn't worth much to them, and they use a book to determine how much is costs, but to me, my car is my only way to work, and means a lot to me. I'm a college student to I can't afford to pay the additional $760 that it costs to fix. I've been lucky that I get out of work early enough that a cop doesn't notice I have a busted headlight, but with the holidays coming, it gets really busy in October so I'm not sure how long that's going to last. If anyone can help me with any advice, please do so. Is there a way I can get this company to stop low-balling me or is my only hope reporting it to my insurance company?
 
You may have to report it to your insurance company unless a fourth free estimate will lower the cost of repairs. Another thing you might do is to fix it yourself and then sue them in court or just fix the headlight and/or hood and forget the bumper until after you save the money to do so. See a lawyer for specific advice for wherever you live.
 
1 thing, ALWAYS file a police report...ALWAYS.

You need to find out who their insurance company is and file a claim with them. They can't just arbitrarily pick a dollar amount and say that's what the damage is worth. Unless they have a body shop estimator making these decision and they VIEWED the car with their own eyes they CANNOT just come up with a figure. They're jerking you around hoping you'll just take the $$$ and be done with it.

You're in a real pickle here because there's no police report. You can try calling your insurance but if you only have liability then there's nothing they can really do for you. You might want to talk to a lawyer and see what your options are as far as suing.

Do you have any pics of the damage? Email me if you do, I'd be more than happy to help you.
 
Back
Top