Re: Insurance hassles

[Huw Powell <human@nh.ultranet.com>]

-- [ From: Huw Powell * EMC.Ver #3.1a ] --

> Since my deductible is $500 I have decided not to fix it.  I cannot get an
unbiased "cash" estimate-  it's in everyones favor- except mine to low ball
the estimate and collect after the repair.
So have I been asleep and missed the change in car insurance?

IME, body shops (reputable ones) know they might not get the work, so they
charge for estimates.  Usually something like 5 or 10% of the estimate
amount with a ceiling of $50 or $75.  You are paying for the time (which can
add up) to figure out accurately what it will cost to fix the car.  Try to
find one of them, and get a nice printed, itemized extimate.  Force the ins.
co. to pay it, less your deductible.  Send copy to the state ins. commission
at the same time.  You shouldn't have to act threatening, just cover the
bases.  Then switch to Traveller's or State Farm or something!  Good luck
fighting the bureaucracy!

Huw Powell
HUMAN Speakers
http://www.thebook.com/human-speakers