This is the deal, the car could possibly be totaled, however, if the auto body shop starts working on it and later the insurance company decided to total it out instead. Who ends up paying for the work up to the point that it was stopped. Since I'm paying for the work or the totaled car. Is it right for me to have to pay for both?
In my opinion it should be either totaled or not?
I don't think it would be fair for me to pay for a totaled car and the unfinished auto body work....
2007-01-06 17:49:53 · 4 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
No, I was uninsured, I am paying for other parties auto body work or the totaled car.
I'm not wanting to pay for unfinished work on top of a semi-new vehicle if it turns aout to be totaled.
2007-01-06 18:07:23 · update #1
Part of the answer to your issue lies in WHO authorized the body work, WHY it was authorized and WHEN.
Assuming the insurance company agrees that it is liable for the value of the car, did they tell yo to go ahead and start the repairs. If so, then they likely owe you the value of the 'totaled' car PLUS the cost of the repairs to the date that they said 'whoa'. BUT.. if you took the car to the shop and told the guy to fix it without their blessing, then that is another story and THAT contract is between you and the repair shop.
You are not entitled to betterment in an accident.. only to be made whole. That means that you are entitled to the value of the car just before it was hit and not much else.
It gets better and better.. once you accept THAT check from the insurance company odds are that THEY own the car.... not you .
So.. in theory, the autobody shop would place a lien on the insurance company's vehicle. They could then pay off the lien and then come after you for the money leaving you with even less.
Unlikely to all happen but possible.
You need to sit down with your insurance company (I assume it is YOUR insurance since you have a bit more leverage if you were not at fault and it is the other guys company) and discuss the matter. Perhaps you can solve the problem before it becomes one...
good luck
.
2007-01-06 18:01:31 · answer #1 · answered by ca_surveyor 7 · 0⤊ 0⤋
the best thing to do is to let your insurance company handle it. they will assess the damage to the other person's vehicle and pay for any reasonable and necessary damages caused by your son's accident. looks like they will total the other vehicle... but to answer the question, you cannot dictate your insurance company's claims process. i'm sure they'll do all they can to no over-pay the claim.
2016-05-23 02:10:30 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Put it this way, Do you work for free? if they put time into it, its time that they could be putting into doing another job. Is it fair? Yes. I'm a mechanic, and there has been a few times I've done a diagnosis on an engine only to have it be woth nothing and needing to be replaced and the customer doesn't go for it. They have 3 hours of diagnosis into an engine that is a write off. Should they have to pay for it? Yes. I want to get paid for it, and if i don't that could have been 3 hours i could have put toward another job and been paid for. No one works for free, fair or not.
2007-01-06 18:04:19 · answer #3 · answered by gregthomasparke 5 · 0⤊ 0⤋
Yes, you'll have to pay for it. If you'd had insurance they'd be paying but since you drove uninsured it's ALL on you now.
Sorry, but there's nothing "unfair" about it. It's one of the risks you assume when you drive uninsured. You brought it all on yourself so suck up and take your punishment like a man.
2007-01-07 00:56:38 · answer #4 · answered by Bostonian In MO 7 · 2⤊ 0⤋