R56 NOOOOOO!!! (R56 vs Jeep Commander)
6th Gear
Joined: Mar 2007
Posts: 2,009
Likes: 0
From: home
That really sucks....
A brand new car is ruined by someone else's fault.
If it was mine, I would wish that it was totaled. No, the insurance doesn't pay for the depreciation. It just sucks to be a victim.
A brand new car is ruined by someone else's fault.
If it was mine, I would wish that it was totaled. No, the insurance doesn't pay for the depreciation. It just sucks to be a victim.
OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
Repair work doesn not necessarily mean "filler" and it certainly does not mean "Bondo".
Get with the times, man... this is not the 80's anymore !!
Get with the times, man... this is not the 80's anymore !!
2nd Gear
Joined: Mar 2007
Posts: 73
Likes: 0
From: Worcester, MA
Their "approved" body shops are simply shops in their program that do estimates for them.
Don't let that deter you from picking the shop YOU want. All that means is, the insurance company's estimator will have to see your car. But the estimate they prepare for you should be accepted by any reputable body shop.
If they begin work and find other damage, they'll have the estimator come back out and it will also be covered.
As far as the guarantee of the work.... yes, "their" shops do that but so does any other reputable shop.
Bottom line: yes, it might be EASIER to deal with a shop in the insurance company's program. But most importantly, take the MINI to the shop YOU want, whether it's in their program or not.
Don't let that deter you from picking the shop YOU want. All that means is, the insurance company's estimator will have to see your car. But the estimate they prepare for you should be accepted by any reputable body shop.
If they begin work and find other damage, they'll have the estimator come back out and it will also be covered.
As far as the guarantee of the work.... yes, "their" shops do that but so does any other reputable shop.
Bottom line: yes, it might be EASIER to deal with a shop in the insurance company's program. But most importantly, take the MINI to the shop YOU want, whether it's in their program or not.
As for good shops in the Boston area, Stadium in Brighton, Today's in Revere are the two best. Let me know if you have any questions.
OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
This is correct, except that he lives is MA, where none of this applies. I work in the insurance field, PM me with any questions you have.
As for good shops in the Boston area, Stadium in Brighton, Today's in Revere are the two best. Let me know if you have any questions.
As for good shops in the Boston area, Stadium in Brighton, Today's in Revere are the two best. Let me know if you have any questions.
So, in MA the insurance companies CAN make you take your car to one of the shops on their program ??
Shops outside the insurance company's program don't guarantee their work ?
I work in four jurisdictions... DE, MD, DC, and WV... glad I don't have to work in MA !
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5th Gear
Joined: May 2007
Posts: 1,004
Likes: 0
From: Boston, MA
The way it was explained to me is that the shops that are approved are guaranteed by the insurance company, and will work at the approved rate set by my insurance. I can bring my car anywhere, but I have to pay the difference between what the shop wants and what my insurance will pay. That being said, I had my car towed to the collision center of a large area dealer, who has agreed to work at the rate set by my insurance. And they certainly guarentee their own work.
OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
^ Just as I was saying... most, or all, reputable shops will work for the estimate.
And will also guarantee their work, even if they're not part of the insurance company program.
Thanks for verifying.
MA isn't as bad as hp made it out to be. 
And will also guarantee their work, even if they're not part of the insurance company program.
Thanks for verifying.
MA isn't as bad as hp made it out to be.
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5th Gear
Joined: May 2007
Posts: 1,004
Likes: 0
From: Boston, MA
I love the system
well, I just found out that the initial assessment of damages to my car was $2,903.74. Of course, I'll be getting a check for $2,403.74 while the two insurance companies determine who is at fault. I'm sure she will pay my $500 deductable too. Because if she doesn't...
Meanwhile I'm cruising around in a late model lexus es300 w/ 155k on the o.d., torn-up seats, and no display for the radio. I had forgotten how quick my MINI was compared to other cars. Oh well, hopefully we'll be reunited soon. Then I'm thinking about getting a push-bar bumper like you see on cruisers. That'd be bad@$$...
Meanwhile I'm cruising around in a late model lexus es300 w/ 155k on the o.d., torn-up seats, and no display for the radio. I had forgotten how quick my MINI was compared to other cars. Oh well, hopefully we'll be reunited soon. Then I'm thinking about getting a push-bar bumper like you see on cruisers. That'd be bad@$$...
OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
Did your insurance company tell you why the other company hasn't yet accepted liability ? If their driver has somehow concocted a story of how the accident happened (like you rear-ended her, since the damages to both vehicles would make that a plausible senario), it may be a word vs word situation unless you have any witnesses.
Hope that's not the case !! Hope it's simply a matter of them getting their insured to return their calls or something of that nature.
Keep us posted.
Hope that's not the case !! Hope it's simply a matter of them getting their insured to return their calls or something of that nature.
Keep us posted.
OVERDRIVE
Joined: Mar 2007
Posts: 5,602
Likes: 107
From: Arizona
Did your insurance company tell you why the other company hasn't yet accepted liability ? If their driver has somehow concocted a story of how the accident happened (like you rear-ended her, since the damages to both vehicles would make that a plausible senario), it may be a word vs word situation unless you have any witnesses.
Last edited by TheBigNewt; Aug 7, 2007 at 10:10 PM.
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