I had my car repaired at a dealership under my insurance after an accident. It took them three weeks to complete my car, and they ended up giving me a loaner for a few days. When I returned the loaner, and picked my car up they never asked for the deducable. It's been almost two weeks since then. I signed for the car and everything. Should I still count on oweing them the money or can I say forget it and spend it?
2007-02-10 07:24:49 · 8 answers · asked by hockey_chick44 2 in Cars & Transportation ➔ Insurance & Registration
I know insurance has already paid, and the original amount the dealership "charged" was quite a bit less than the final bill...by almost $300...but the insurance company paid the original bill...everytime I've had insurance work done the rule was that you couldn't have your vehicle back until you paid the deductable...
2007-02-10 07:42:24 · update #1
I was the only vehicle involved in the accident. I slid on black ice and into a curb. It did quite a bit of damage. The original estimate they gave me was for $2536 and change, the final bill that I signed when I got my car was $2844 and change. My insurance company has already paid the $2036 & whatever...it may be that my insurance company is fighting because the final bill was considerably higher than the original estimate. And the other possibility is that they were going to give me more $ for the repairs (at least $500 more than the final cost) and they are "waiving" the deductable and keeping the rest...so if they were going to give me $3500 for repairs, and the acutal cost was only $2800 then I would have had $700 left to pay the deductable plus $200 extra, so insurance "waived the deductable and kept the $200...does that make sense?
2007-02-11 04:30:05 · update #2
yes, you still owe them. Now- i wouldnt go run to them and tell them this... but i wouldnt spend your deductible either. Likely- they will catch this.
2007-02-10 08:12:17 · answer #1 · answered by Anonymous · 1⤊ 0⤋
it is possible that the other party involved in the accident had the same insurance company as you and the deductible was waived - long shot - but possible..... otherwise you were errantly not asked for the deductible.(and honestly do owe it)... also if you began repairs under your own policy and the other party was at fault - it's possible that the other person's carrier notified the repair shop and told them to bill them and release your car without having to pay deductible..... good question.... additional info - - well, supplemental damages are common with repair shops........ so i doubt that is why they would "waive" the deductible......and as you likely already know there are always varying estimates - but the system that most field adjusters use (I-car )is standard - - sometimes if there was an excessive delay caused by the body shop, they would waive the deductible... but it sounds like you owe it - i know that isn't what you wanted to hear.. but a one vehicle collision leaves no room for doubt that your deductible applied... maybe your company has criteria unknown to me for waiving a deductible - but i doubt it.... sorry...... my dad used to call this reluctant honesty......
2007-02-11 03:32:30 · answer #2 · answered by Just me 2 · 0⤊ 0⤋
I had a similar situation where my car was kept for a month and a half. This was two years ago or more and I have yet to pay them. I have not heard from them so I am assuming they didn't want thier money. Of course I was pretty upset when I finally got my car back so maybe they just figured they could deal with the loss.
2007-02-10 07:38:16 · answer #3 · answered by anton t 7 · 1⤊ 1⤋
Lets reverse the situation. What if your insurance carrier deducted double the amount. You would surely expect them to reimburse you for the overage, right? You will look much better if you bring this to their attention now that to wait until they discover their error and come after you.
2007-02-11 02:54:45 · answer #4 · answered by Peedlepup 7 · 1⤊ 0⤋
It's called theft of services. You owe them that amount. You really should just go take it to them, but if you want to be that way about it, you can wait until the bookkeeper realizes the error and bills you before you pay it.
2007-02-10 07:39:30 · answer #5 · answered by oklatom 7 · 0⤊ 0⤋
Hang onto the money cos they might come after you later on.
Or just call the insurance place and ask or ask a cheap attorney for guidance.
2007-02-10 07:33:11 · answer #6 · answered by jennifer e 2 · 0⤊ 0⤋
As a matter of fact, you STILL owe them. It's in your contract.
And as a side point, I don't think you should have starred your own question. Leave that up to the viewers.
2007-02-10 07:33:37 · answer #7 · answered by tercir2006 7 · 1⤊ 0⤋
Why don't you call and ask them?
2007-02-10 10:47:45 · answer #8 · answered by Chris 5 · 0⤊ 0⤋