Getting an estimate on auto repair

roma258's picture

My car got clipped by some truck last week and the front bumper is got partially ripped off. Is there a good shop to get an estimate on the damage?

ken215's picture

Did you report it to your

Did you report it to your insurance carrier? They should be able to recommend one to you. Most times, if you use one of their repair shops, the repairs will be guaranteed for the length of time that you own the car.

roma258's picture

I found out about the

I found out about the accident more then 24 hours after it happened. So I haven't bothered yet. I'm trying to get the guilty party to take care of it.

ken215's picture

You should always report it

You should always report it to your insurance carrier.

roma258 wrote:

I found out about the accident more then 24 hours after it happened. So I haven't bothered yet. I'm trying to get the guilty party to take care of it.

Ken

Swally in '08

brooke's picture

No, you shouldn't...unless

No, you shouldn't...unless you want your rates to go up!

ken215's picture

Yeah, you should.

Yeah, you should.

ronchito's picture

give eddie floody a call

give eddie floody a call (267-235-6118). he was recommended elsewhere on these forums by several folks. apparently he has a body shop in port richmond and is very honest. he was nice enough to give me an estimate on my car this past monday and i didn't even have to take it into his shop. i just told him where my car was parked and he drove over to do an estimate for me while i was at work. he said he had family in fishtown so i guess he combined my estimate with a family visit. i'm not sure if he always offers that but i thought it was a nice gesture nonetheless -- definitely saved me some hassle.

roma258's picture

ronchito wrote:give eddie

ronchito wrote:

give eddie floody a call (267-235-6118). he was recommended elsewhere on these forums by several folks. apparently he has a body shop in port richmond and is very honest. he was nice enough to give me an estimate on my car this past monday and i didn't even have to take it into his shop. i just told him where my car was parked and he drove over to do an estimate for me while i was at work. he said he had family in fishtown so i guess he combined my estimate with a family visit. i'm not sure if he always offers that but i thought it was a nice gesture nonetheless -- definitely saved me some hassle.

Much obliged, much obliged

neilpuck's picture

You should always report it

You should always report it to the police....not necessarily the insurance carrier. I got burned by someone once by offering to allow them to settle things without getting the police involved. They decided to lie to their insurance company so I was stuck with the bill.

roma258's picture

neilpuck wrote:You should

neilpuck wrote:

You should always report it to the police....not necessarily the insurance carrier. I got burned by someone once by offering to allow them to settle things without getting the police involved. They decided to lie to their insurance company so I was stuck with the bill.

It's complicated by the fact that it took a while to track down the person with the information about the incident. Had I had all the relevant info right away, I probably would've filed the report.

ken215's picture

If you read the Conditions

If you read the Conditions section of your policy, the first duty of the insured after a loss is to report it to the insurance carrier. There are only 2 times when you are instructed to notify the police 1 - when the vehicle is stolen, and 2 - if it is a hit and run. By not reporting it to the insurance, and accepting payment or repair, you are taking responsibility for the accident, which could nullify your policy if there turns out to be other problems. Some companies may use that for grounds to cancel your policy and you could then be uninsured.

You will always have the right to rescind the claim if you wish to accept the responsibility. The state of Pa has a surcharge threshold of $1,150. If the insurance carrier has to pay more than that, then it will probably cause a surcharge to your policy.

If you report the claim, are sure that there will be be no residual damage, and it does not cost more then that, you can rescind the claim. Keep in mind, you will have to pay your deductible, if you have collision.

Also, if the accident was not your fault, your insurance may not increase.

neilpuck wrote:

You should always report it to the police....not necessarily the insurance carrier. I got burned by someone once by offering to allow them to settle things without getting the police involved. They decided to lie to their insurance company so I was stuck with the bill.

Ken

Swally in '08