is it better to repair cars with insurance company or known mechanic?

Question

I met with an accident the other day where a drunk guy hit me at the rear end of my totyotal avalon. there is considerable body work to be done. i dont know if there may be any mechaninical problem with the car. The guy who hit me had insurance from progressive company. Progressive gave me two options: either repair the car with their own service providers where they give me life time guarantee on repairs and parts but have told me that they may use remanufactured parts or used parts for repair. The other option is to go to the toyota dealer and have the car repaired with new parts. In this case I will have to live with the warranty the toyotal dealer will give me on the parts. WHICH OPTION IS USUALLY RECOMMONEDED :TO GET THE CAR REPAIRED WITH PROGRESSIVE OR WITH TOYOTAL DEALER OR IS THERE A THIRD OPTION? i am not much experienced with repairs from accidents so any advice or suggestions will be appreciated.

Answer 1

Check with your own insurance company first. That is your FIRST option. I work as a claims adjuster for a warranty company and if you follow the aforementioned advice I am reading in your answers, you may find yourself needing money at the end of the day. First think about what 'warranty part' means. This means a failure of the part under its own power, not caused by an outside source. So what can a bumper actually do to fail under its own power? Not much. If you decide to go to the dealer, the insurance company still has the LKQ option. That is, like kind and quality. That means they can opt to pay ONLY what they can do the same job for elsewhere. It is your option to go to any shop you wish. It is their option to set price based on fair market value. That means the dealer may tell them it will cost $3600 to fix your vehicle. Progressive might say we will pay $2000 toward the repair or we will ship you the parts to use. This option is usually taken if your vehicle has some age or miles on it. They do not have to put brand new parts on a used car. Check with your own insurance company FIRST. They are the ones who will want to see you happy. Toyota sees $$$$. They don't care where it comes from, even if part of it has to come from you. Progressive sees $$$$, in the fact that they have to be cost effective and LKQ keeps the law on their side. Your own insurance company will send you to a reputable shop and they can also go to bat for you against Progressive, but most of all they will give you advice that will keep money in your pocket in the end.

Answer 2

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RE Is it better to repair cars with insurance company or known mechanic?

I met with an accident the other day where a drunk guy hit me at the rear end of my totyotal avalon. there is considerable body work to be done. i dont know if there may be any mechaninical problem with the car. The guy who hit me had insurance from progressive company. Progressive gave me two options: either repair the car with their own service providers where they give me life time guarantee on repairs and parts but have told me that they may use remanufactured parts or used parts for repair. The other option is to go to the toyota dealer and have the car repaired with new parts. In this case I will have to live with the warranty the toyotal dealer will give me on the parts. WHICH OPTION IS USUALLY RECOMMONEDED :TO GET THE CAR REPAIRED WITH PROGRESSIVE OR WITH TOYOTAL DEALER OR IS THERE A THIRD OPTION? i am not much experienced with repairs from accidents so any advice or suggestions will be appreciated.

Answer 3

If you are the victim, you usually have the choice to use them, or pretty much whoever you want.

Their insurance has mixed interests- they want you happy and out of their hair, but they will do anything they can to cut corners- after all, anything they don't really spend on you is theirs to keep. They are not really on your side.

If the car is newer, use the new parts option. Toyota's warrantys on these parts will be darn good, and the only person they will be trying to please is you.

Answer 4

Go with a REPUTABLE Toyota dealer, preferably one who has their own body shop and does not contract out their body work. If the repairs are done with anything but factory parts your trade-in or re-sale value will be trashed. Good luck

Answer 5

that's solid information all the way so far, yet don't recover from clever. those issues have a foul habit of coming returned and biting you distinctly with coverage companies. in the event that they think of that's slightly costly they are going to deliver out an assessor and ask your company to justify their figures.

Answer 6

if it was mine i would take to the dealer.

Answer 7

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