My mom was coming home from work & a deer ran into her truck. She got an estimate from her insurance comp yesterday for $555. They wrote out a check to her & the finance company where her loan is. They said they done this because they are the lien holder. How does all this work? My father in law will probably fix it. Does he need to do an estimate also? What if the damages are more than $555? Will the finance company keep the check or send it to the body shop?
2007-03-22 06:36:15 · 8 answers · asked by Anonymous in Cars & Transportation ➔ Maintenance & Repairs
After the deer hit her, she should have called the State police and notified them. They would have sent an officer and if the animal was in pain, they would have put it down. Then either the police or your mom should have got animal control to get the body. After the police report was filed, your mom should have gotten estimates on the repairs. Some insurance co.s do their own repairs. They ask you who is ding the repair and they will send the check to them. If they find more damage than was thought the insurance co. will send another check to cover the difference.
Since there is a lien on the car, the check was sent to the lien holder, this is a way to guarantee that the car is fixed and the money is not just pocketed. That would reduce the value of the car which is their guarantee that you will pay the loan. So once the car is fixed the lien holder should sign and forward the check to the repair shop. I would think it will also take your mom's signature too.
2007-03-22 06:57:30 · answer #1 · answered by Fordman 7 · 0⤊ 0⤋
The check shouldn't have gone to the lien holder, unless the insurance company considered the vehicle too damaged to repair and will payoff the remaining balance of her car loan.
I think the insurance company made a mistake and should have given the $555 check to your mother or to the autobody shop to repair vehicle damage.
Talk to the insurance company and get a better explanation as to why they sent the check to the lien holder and not your mother.
Good luck.
2007-03-22 06:46:10 · answer #2 · answered by lremmell64 4 · 0⤊ 0⤋
Usually you would get an estimate from the mechanic or body shop and then they send the bill to the insurance company. I'm a little confused why they did it this way. Contact your insurance agent and ask them for details. It is their job to walk you through this process. After all they are the ones who get your money every month.
2007-03-22 06:45:54 · answer #3 · answered by sweet_purpleiris 3 · 0⤊ 0⤋
They do this to make sure the truck is fixed, however your mother should have gotten estimates from 3 body shops before accepting check from insurance company. I have found body shops have higher estimates than the insurance co.
2007-03-22 06:44:25 · answer #4 · answered by James B 5 · 0⤊ 0⤋
as quickly as the damages are repaird, the leinholder might desire to haven't any concern signing off on the verify. that is sufficiently small that they might do it before. If damages are extra effective than $555, you could put in a supplemental request. if your FIL is a real physique save, that is not a huge deal. If he doensn't try this professionally, properly, then you definately must be finding at some problems, because of the fact the insurance corporation shouldn't pay to repair his shoddy artwork.
2016-10-19 08:37:46 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Tell her to break out the BBQ so you can eat!!!! :) Venison is delicious!
2007-03-22 06:44:32 · answer #6 · answered by VAWoman 2 · 0⤊ 0⤋
call animal control.
2007-03-22 06:42:06 · answer #7 · answered by steven h 2 · 0⤊ 0⤋
call the state police & call adimal control!!!!!
2007-03-22 06:45:05 · answer #8 · answered by jo 3 · 0⤊ 0⤋