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Old 03-14-2013, 03:19 AM   #1
stiskeet
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Default Rear Ended

Got rear ended by a drunk driver the other night. Insurance gave me two options, to go to their recommended shop or to go to another shop to get an estimate and let them cut me a check.

Anyone who has been in this situation know the better option? I'm worried the check they cut won't cover the cost and I'll have to pay out of pocket.
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Old 03-14-2013, 07:37 AM   #2
VTSubieRS
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fill out your info on your profile...pictures of the car? what car do you have? how bad is the damage? need more info. usually insurance gives you high book value if its totaled. If its his fault which I'm assuming ti was because he was drunk, his insurance will cover damages, if its going to be repaired. often you can have a check sent to you for the estimate and get it repaired at a shop of your choice, so go somewhere that will give you a high estimate, although with the computer programs pricing out everything now, (parts and labor) they are all pretty similar.

if the car is totaled or close, just get out of it and into a new car, not worth dealing with problems down the line, and having damage on your car history if you ever plan to resell or trade. if its not too bad, i'd have it fixed by a reputable body shop. One of your choice, often times insurance companies of an at fault driver will send you to somewhere to save money, and or they won't total your car, even if it's totalled.

also, with a drunk driver hitting you. you have the upper hand. say your bad and neck hurt... my friend got a 5k check cut to him for the same thing to cover trauma experienced.

Last edited by VTSubieRS; 03-14-2013 at 02:08 PM.
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Old 03-14-2013, 01:26 PM   #3
kpluiten
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If its his insurance, you can demand to take it to the shop you want and as long as the price is reasonable, they will pay it. Do not go to their shop. Chances are its their shop for a reason... it saves them money. Now how would you same money on a paint job... spend less time on prep and money on materials. Sounds great.
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Old 03-14-2013, 01:44 PM   #4
vision.dynamix
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It's totaled.
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Old 03-14-2013, 02:01 PM   #5
hozouria
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Quote:
Originally Posted by kpluiten View Post
If its his insurance, you can demand to take it to the shop you want and as long as the price is reasonable, they will pay it. Do not go to their shop. Chances are its their shop for a reason... it saves them money. Now how would you same money on a paint job... spend less time on prep and money on materials. Sounds great.
this. I was in your shoes a few years back. Rammed from the back by a mercedes driver who was turned around to look at his daughter. his insurance wanted me to go to some rink dink shop that wouldn't even claim the car as totalled, which it completely was. frame had been shifted, axle shattered, everything was messed up. And on a sequoia, that's a pretty hefty car. Anyways, I went to another shop to get an estimate and was able to get muuuuch more out of it.

No harm either way if you take it to other shops to get an idea for how much the repairs will run. Once you've found a shop you're comfortable with and want to get work done at, that's the one you go to. The other guy's insurance has to cover it.
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Old 03-14-2013, 02:29 PM   #6
Jack
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Get a list of "their" shops.

I've had to do this and been handed a book......literally. I only could even think of one shop that wasn't in their book and they're well known for extreme high end work at 3 times normal rates.

I took it to a dealer attached body shop that does (ready) Rolls Royce, Mercedes, BMW and Land Rover. I paid nothing but my deductable. Last time in, we had some dents in a door and the shop offered to have PDR come in and fix those while the car was in. Worth the extra $$ to get it all done at once.
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Old 03-14-2013, 02:47 PM   #7
ADaughen
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When I got rear ended. Both my insurance's shop and my preferred shop came out within $10 of each other. It happens my preferred shop (guys did an awesome job on three cars I know of personally) was one of the other guy's insurance's shops.

I didn't have to get a second estimate, but I wasn't sure if the other guy was going to be a dick and try to fight the claim, and the police report, so I had my guys look at it while their insurance was figuring things out.


BTW, how's your back? Mine was fine the day of the accident, but really stiff the next day. The lumbar support popped me like a baseball bat to the lower spine. Ended up having physical therapy, muscle relaxers and steroids for a few weeks.
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Old 03-14-2013, 08:08 PM   #8
Ethan
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Usually you have to get a quote from the shop the insurance company wants you to go to. Then you can decide if you want to use their shop in which case you don't see any of the money. Other option is the insurance cuts you a check and you take it to your place, when you go to your place show them the quote and tell them to match it. If there are hidden damages your new shop can submit a claim / information to get more money from the insurance.

I just had this happen to me, and by me going to the shop of my choosing I was able to get an aftermarket exhaust for the price of OEM. (The car that rear ended me, kind of went under and damage the exhaust plus bent the exhaust pipe)
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Old 03-16-2013, 02:42 AM   #9
stiskeet
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I appreciate the help guys. Looks like I'm not gonna go to the shop they recommended and take some of the recommendations you guys offered into consideration.
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Old 03-19-2013, 03:37 AM   #10
bobbydole
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I just had this happen to my 2013 WRX. I was at a red light and a lady not paying attention ram right into me from behind. My car launched forward into the car in front. The lady was distracted by the emergency vehicles on the other side if the road.

Her insurance paid for everything. Cost to replace front and rear bumper and both reinforcement bars is 3k. It also needed my clear bra replaced.

The annoying part is that her insurance State Farm wouldn't pay more than 1 day of rental to let the paint dry for the clear bra application. So I'm on my own since the pro said the paint needs to cure for a week or two before applying the bra.
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Old 03-19-2013, 07:29 AM   #11
aerosaaber
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I've been told that paint needs to cure for like months before applying a clear bra over it.
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Old 03-19-2013, 09:15 AM   #12
Soupedupdiesel
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My car got totalled a few years ago and I went though my own insurance, GEICO, even though it was the other guys fault. They sent me to one of their shops and I had to pay the deductible, and then they went and dealt with the other guys company and after a couple weeks they refunded my deductible once the other company paid GEICO. Was a pretty smooth process as long as you can afford to be out $500 for a couple weeks.
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