Originally posted by james.hendrickson
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Nothing that isn't spelled out in an insurance policy about how they pay and what they cover. -
Ohhhh - Ua_guy, thats interesting. So do the insurance companies have methods for lowering their assessed damage payments? I suspect they do, and frankly would like to know how they do this, so I can fight it next time I have an issue.Originally posted by ua_guy View PostLeave a comment:
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Guys - I just wanted to point that electric vehicles are typically cheaper to maintain. Soooo....maybe consider an electric vehicle for your next car.Leave a comment:
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That's all standard procedure - a preliminary estimate, first payment to cover the damage "at least" ...followed by teardown at the shop, shop writes a supplement for additional damage found once they get into things...2nd payment follows. The weird part is that you're paying out of pocket. The appraiser/adjuster should probably be paying the shop directly, or at least give you the option, so you don't have to pay and then seek reimbursement.
Did they put you in a rental vehicle? How's your neck/back, did you take time off work, do you need 6 months of physical therapy and massage, how much time did you spend running around getting estimates and dealing with shops, insurance, etc. If someone else hit you, you should have a lot of coverages at your disposal.
I was a damage appraiser and adjuster a long time ago in a former life. God help the people who have had to deal with me as a claimant.Leave a comment:
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I work for big government who contracts out a private company who provides the insurance during official business while driving my personal vehicle. They required 2 estimates and paid out directly to me the lower estimate. Both estimates were $5600 & $5500, but both repair shops said the estimates are only based on what could be seen at the time. Both shops said the actual repair price could be higher should my vehicle have frame damage which in fact my vehicle had frame damage thus the additional $3500 bringing my total repair to $9000. Ua_guy is correct that my employer should pay the entire amount. After the repair was completed my employer the big government sent a mobile appraiser from a my Chevy dealership to my residence to inspect the repair and gathered the final receipt. It should be soon when my employer the big government issues me another check for the additional $3500. It takes time for work approve and issue the check. I wished $5500 was the final amount without the additional $3500 for the frame damage but there was no way to find out until all the parts were removed.Leave a comment:
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Why are you paying anything out of pocket for a work-related accident? Their insurance should be handling all of that.Originally posted by QuarterMillionMan View PostLeave a comment:
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I wouldn't want places like Jiffy to do any service on a modern transmission. They require oe-spec fluids and fill procedures that sometimes need an OE-specific scan tool to run calibrations for the maintenance being performed. Part of it is the efficiency of modern transmissions, the other part is a money grab to drive you to a dealer or authorized/specialized service center. It's a nightmare to DIY these as well.
I'd think your employer should be on the hook for everything unless the other guy's insurance is paying. Every last cent, and then some, because now you've got a car that's been in a moderately heavy accident.Leave a comment:
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During normal business hours which I use my personal vehicle for work, I got rear ended. Initially, work reimbursed me $5500 for the repair but during the repair the shop found frame damage and an additional $3500 was assessed which I paid out of pocket and waiting for work to reimburse me. The auto body shop was going to replace my 2" trailer hitch with an 1.25" OEM hitch but I declined so the refunded $350 which I bought on my own another 2" hitch and paid $80 for the install and $65 for a new bike rack which I'm also claim to get reimbursed from work but not holding my breath. Long story short I'm happy to have it all fixed.Leave a comment:
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At 40,000 miles my 2024 trailblazer needs a change of transmission oil. Prices range from $300 at a nearby transmission shop, to $400 at national chain AAMCO, or $500 at the Chevy dealer. For some reason Jiffy Lube and Quick Stop Lube won't attempt transmission oil changes on my vehicle.Leave a comment:
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Keep in mind also, free oil changes for the "life of the vehicle" may have conditions. The life of a vehicle may only be 100,000 miles, or till the next model year, or maybe five years.Leave a comment:
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I'm with ua_guy on the free oil changes which doesn't get me excited. In 2018 when I bought new a Dodge Journey it came with 5 years of free oil changes which I used 2 free oil changes in that 5 years because the dealer was located 20 miles away when I have a Speedy Lube 1/4 miles from home. And at the dealer I have to wait around a few hours vs Speedy Lube often no other cars in the bay and 15 mins to go in and out. Granted that was for a $35 conventional oil change. A full synthetic $110 oil change would make me think harder about it.Leave a comment:
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Of course during paperwork signing they presented various extended warranty options and maintenance packages which I politely but firmly declined. It makes sense for some people but I'm comfortable with taking my chances. I'm equipped to do lots of routine and preventive maintenance including fluid flushes, and I have access to a lift, and plenty of friends with lots of additional automotive knowledge, so it's very easy.
Dealers tend to over-recommend services before they are due, and they charge exorbitantly for them. Becoming familiar with your vehicle's required maintenance schedule (usually listed in the back of the owner's manual) can help save people a lot of money and equip them with the knowledge to make informed decisions when a dealer comes at them.Leave a comment:
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I've changed my own oil in the past. It's easy and quick enough to do. That said, I see value in letting a mechanic look everything over during the normal 20 point inspections they do during oil changes.Originally posted by ua_guy View Post
When I purchased my current truck, I bought the 100,000 mile maintenance package, which basically paid for tire rotation every 5k and oil changes ever 10k. The salesman told me that the package covered that "dreaded 60k maintenance interval" which was belts, some flushes, maybe something else. When I actually reached 60k I found out that was complete nonsense, but after giving the maintenance department an ear full over being sold a false list, they took care of a few other things.
All in all, I think prepaying for the maintenance package was a bad deal. Basically I loaned them my money for four years. And doing the math I think I broke even at best.
Also you have to trust the mechanic who is doing the service. If you take it to a crook and they say you need $2000 work when you don't you would have been better off doing everything yourself, or at least inform and research what they are suggesting.Leave a comment:
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I just bought a pickup and it supposedly comes with free oil changes for life (through the selling dealer) up to 4 per year. The sales guy was surprised I didn't find much if any value in that perk since I don't let other people do routine maintenance on my vehicles. My loss, their gain.Leave a comment:
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