How many times does it take an IDIOT to backup into your car till they realize it?

[CJ_Boxster]

well regaurdless, i feel that if my car was damaged and the damage is worth X amount of dollars, and i take the insurance check and have it fixed for a much cheaper Y amount of dollars, I feel that im entitled to the remain amount of money left over assuming I sacrificed quality for value.

Reason insurance companies give you the check is because they are giving you the choice of what todo with the money, you can send your car to the junkyard for all they care... You pay your monthly payments for coverage and they give you money to repair damage that may happen during the insured period of your ownership of the vehicle.

Keywords... "INSURANCE COVERAGE"

It would be a waste of typing to convince me otherwise.

[Brucelee]

"It would be a waste of typing to convince me otherwise."

Well, we won't do that, will we?"

[Franco]

Sorry 2 hear about what happened good luck getting it fixed.

Did u guys ever wait in the car while the wife went and buy something, it's incredible
how people drive in parking lots. I had to beep people before they hit my car or move my car before they got out because they had to park 6 inches from mine.
The first thing i tell my kids when parking is to be careful when opening the door.
People have actually hit my car or truck and denied they did when confronted,that's when i blow all my delayed fuses and say WTF and leave or else ,i have kids to feed nowatimean and my Master Instructor has taught me to try and avoid any confrontation that might lead to crippling any SOAB who has no RESPECT FOR HARD EARNED PROPERTY.

My New Year resolution is not 2 use profanity how did i do

[unklekraker]

Franco, I think you did pretty good on your last post by not using too many profanities

[z12358]

Originally Posted by CJ_Boxster

well regaurdless, i feel that if my car was damaged and the damage is worth X amount of dollars, and i take the insurance check and have it fixed for a much cheaper Y amount of dollars, I feel that im entitled to the remain amount of money left over assuming I sacrificed quality for value.

Reason insurance companies give you the check is because they are giving you the choice of what todo with the money, you can send your car to the junkyard for all they care... You pay your monthly payments for coverage and they give you money to repair damage that may happen during the insured period of your ownership of the vehicle.

Keywords... "INSURANCE COVERAGE"

It would be a waste of typing to convince me otherwise.

I can see how this type of argument can have some traction. But whenever I find myself in a similar quandry I place myself into the other side's shoes. If I was the entity offering the insurance I would have plenty of trouble if everybody just took the cash and didn't properly fix their cars after an accident -- or didn't fix them at all. One problem I could think right off the top of my head is this: What happens when someone doesn't fix the car up to snuff and that causes an even bigger accident and damage later? Who's responsible for that damage now? Also, if someone got the cash for a brand new door and they decided to keep the cash and only bang the old door with a hammer to straighten it out, when that door gets hit again, what's the damage and who pays for it (Cash for another new door, perhaps?). It's easy to see where this would lead.

And, yes, whether the entity I'm dealing with is a person or a corporation, rich or poor, profitable or not, shouldn't matter one bit. We are lucky to live in a society of laws and rules where those things don't and shouldn't enter the decision process.

Z.

[GmanMD]

Another interesting tidbit that I found out well after an accident I had a few years ago, is that after significant repairs on your car, you are entitled to a check in the amount of the "loss of value" on the car for the repairs made. The insurance company will never give this to you, UNLESS you ask for it.

I also wouldn't worry about the insurance companies too much. Yes there is indeed insurance fraud and that should never be tolerated, but if they pay you for you losses and you choose to spend that money elsewhere that's your prerogative.

[CJ_Boxster]

Originally Posted by z12358

I can see how this type of argument can have some traction. But whenever I find myself in a similar quandry I place myself into the other side's shoes. If I was the entity offering the insurance I would have plenty of trouble if everybody just took the cash and didn't properly fix their cars after an accident -- or didn't fix them at all. One problem I could think right off the top of my head is this: What happens when someone doesn't fix the car up to snuff and that causes an even bigger accident and damage later? Who's responsible for that damage now? Also, if someone got the cash for a brand new door and they decided to keep the cash and only bang the old door with a hammer to straighten it out, when that door gets hit again, what's the damage and who pays for it (Cash for another new door, perhaps?). It's easy to see where this would lead.

And, yes, whether the entity I'm dealing with is a person or a corporation, rich or poor, profitable or not, shouldn't matter one bit. We are lucky to live in a society of laws and rules where those things don't and shouldn't enter the decision process.

Z.

Yes i agree with you on that. But in my case we are talking about a bumper replacment, not major structural damage or something that nearly totaled the car.

[unklekraker]

Originally Posted by CJ_Boxster

well regaurdless, i feel that if my car was damaged and the damage is worth X amount of dollars, and i take the insurance check and have it fixed for a much cheaper Y amount of dollars, I feel that im entitled to the remain amount of money left over assuming I sacrificed quality for value.

Reason insurance companies give you the check is because they are giving you the choice of what todo with the money, you can send your car to the junkyard for all they care... You pay your monthly payments for coverage and they give you money to repair damage that may happen during the insured period of your ownership of the vehicle.

Keywords... "INSURANCE COVERAGE"

It would be a waste of typing to convince me otherwise.

CJ has a point...you have a choice of what to do with the check. Let's say, you pay $200 a month for you car insurance coverage for the past 72 months, that's a total of $14,400. You only use $400 of it, where does the insurance company stand when they pocketed the rest of the money, $14,000? Is it a profit or stealing?
So if my door got ding, insurance gave me check for $1k and only use $500. I pocketed the rest of the cash, is it profit or stealing?

I'm just asking, not sure if my question could relay to the topic.

[CJ_Boxster]

Originally Posted by unklekraker

CJ has a point...you have a choice of what to do with the check. Let's say, you pay $200 a month for you car insurance coverage for the past 72 months, that's a total of $14,400. You only use $400 of it, where does the insurance company stand when they pocketed the rest of the money, $14,000? Is it a profit or stealing?
So if my door got ding, insurance gave me check for $1k and only use $500. I pocketed the rest of the cash, is it profit or stealing?

I'm just asking, not sure if my question could relay to the topic.

THANK YOU!

[01slowbox]

My point is that if you read the reactions to this post against the "justified stealing post" buy ohioboxster. The replys completly contradict eachother.

[djomlas]

in my books i dont think i stole. they evaluated how much it is to fix my car and gave me the money, it was up to me to fix it within that amount.
i never asked to get hit and waste time chasing a drunk 50 yr old while my GF was screaming and crying since her brother passed away from a drunk driver accident. that guy was at fault and had to pay, one way or another, well in this case his insurance paid, thats what you get for driving drunk, he was lucky that he didnt kill both of us.
we were stopped at a light, street where speed limit is 30 mph, light just turned green and i let go of the brake and this maniac flew into me going 50mph, I barely missed a pole, and then had to chase him to get his licence plate number, he is lucky that i didnt pursue this more, so i think i can say that i can fix my car any way i want to ( thank god i was in a volvo, thats what i tell myself every day, to him it was probably like hitting a tank ).

i didnt feel a need to explain myself in such detail in first post, but there it is, you tell me if i was wrong 01slowbox , and how would you react in that case

[Brucelee]

I think we can slow and tone down this post now.

Thanks