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echo419 · 07-13-2018, 09:27 AM

first I would imagine insurance etc might work differently here and in Europe. I can't say for sure as I've never driven or insured a car over there.

this is how it normally works here when the other party is at fault.

I get police report, call their insurance, send the report and maybe some pics. Then I drop the car off at the shop doing the repairs. They advocate for me with the insurance co to make sure they pay to fix my car properly. I go pick up rental car which the other parties insurance pays for. car gets fixed and I pick it up. the end.

I spent 20 minutes on the phone with my insurance co yesterday giving an official statement that was recorded in case of legal action. in the meantime I've got to wait until they review the report. then I've got to drop the car off. since I don't have rental insurance I have to pay for a rental car(it's not worth the cost of coverage. I could rent a cheap little car 2 days every month for the price of the car). now they do offer the option of taking the car to one of their "approved" shops where the repairs get instantly approved and the ins co pays them directly. they gave me all this BS about how the work will be warrantied etc if I take it there. truth is the only reason these shops are "approved" is because the shop agreed to repair the cars as cheaply as possible. they use shit aftermarket parts that don't fit for shit and it's all thrown together as quickly as possible. the shop does this because they are basically guaranteed work flow and quick payment in exchange for them agreeing to keep the costs of the repair down as much as possible.

my own insurance company screwed me last year when I got vandalized. long story short instead of fixing my door or giving me a new door they made me wait for a used door off of a wrecked car to come in promising that it would be perfect and ready to install right away(they never are). then when it came in he had to repair that door and that took more time. then after he installed the door we realized that it was from a premium not a limited model. so I had to come back and get him to swap out the parts from my old door into the new one(I need my car a couple of days and couldn't just leave it). now for some reason when I open that door it beeps 3 times like something is wrong. we've both taken the door apart to try and figure out what the issue is. everything seems to be identical to the way it was before. oh and now I have a door with a different vin # than my actual car. #Fantastic.

07-13-2018, 09:27 AM	#26
echo419 Senior Member Join Date: Aug 2014 Drives: 2014 BRZ Limited Location: Atlanta Posts: 3,150 Thanks: 4,291 Thanked 4,057 Times in 1,879 Posts Mentioned: 29 Post(s) Tagged: 5 Thread(s)	first I would imagine insurance etc might work differently here and in Europe. I can't say for sure as I've never driven or insured a car over there. this is how it normally works here when the other party is at fault. I get police report, call their insurance, send the report and maybe some pics. Then I drop the car off at the shop doing the repairs. They advocate for me with the insurance co to make sure they pay to fix my car properly. I go pick up rental car which the other parties insurance pays for. car gets fixed and I pick it up. the end. I spent 20 minutes on the phone with my insurance co yesterday giving an official statement that was recorded in case of legal action. in the meantime I've got to wait until they review the report. then I've got to drop the car off. since I don't have rental insurance I have to pay for a rental car(it's not worth the cost of coverage. I could rent a cheap little car 2 days every month for the price of the car). now they do offer the option of taking the car to one of their "approved" shops where the repairs get instantly approved and the ins co pays them directly. they gave me all this BS about how the work will be warrantied etc if I take it there. truth is the only reason these shops are "approved" is because the shop agreed to repair the cars as cheaply as possible. they use shit aftermarket parts that don't fit for shit and it's all thrown together as quickly as possible. the shop does this because they are basically guaranteed work flow and quick payment in exchange for them agreeing to keep the costs of the repair down as much as possible. my own insurance company screwed me last year when I got vandalized. long story short instead of fixing my door or giving me a new door they made me wait for a used door off of a wrecked car to come in promising that it would be perfect and ready to install right away(they never are). then when it came in he had to repair that door and that took more time. then after he installed the door we realized that it was from a premium not a limited model. so I had to come back and get him to swap out the parts from my old door into the new one(I need my car a couple of days and couldn't just leave it). now for some reason when I open that door it beeps 3 times like something is wrong. we've both taken the door apart to try and figure out what the issue is. everything seems to be identical to the way it was before. oh and now I have a door with a different vin # than my actual car. #Fantastic.