Monday, July 03, 2006

Never believe this...

Today I was sitting in the drive-thru of my favorite fast food chicken restaurant. As I was talking to the guy taking my order all the sudden was a loud bang and my car jumping towards the building. I look in my rear view mirror and do not see anything so I turn and look to my right rear blind spot where I see another car has slammed into my right rear quarter panel.

Now how does this happen? I am stopped in a drive thru. I got out, walked behind the car and asked the girl if she was ok. I then had her back her car away so I could see the damage and make sure we were not stuck together. I realize that my car has received the least of the damage. The left front of her car is definitely in need of being replaced.

She told me quickly that she would give me all her information and insurance info so I could get my car fixed. I quickly called my agent as I was moving the car just to confirm what info I should get and if it was necessary to call the police. He said as long as there was no dispute and no question as to fault then he would not worry about it.

The girl did not try to deny any responsibility and voluntarily gave me all her information and she was satisfied just getting my name, address and phone number. Then she asked me if I would mind getting an estimate before I called her insurance company. I did agree to do this but wanted her to know that I would be using the Ford dealership for the repair. She was disappointed in this but I feel pretty strong that I want it repaired the right way by the dealership.

I had time so I went by the Ford garage and had them give me an estimate. Now really I need to have the bumper, the wheel molding and part of the rear quarter panel just straightened out. And of course these will all need repainted. The estimate for all of this was $1700. Now I have no clue if that is high or not. My thought is that anymore the pricing for these things is pretty much the same no matter where you have it done. The insurance company can give you pricing just by looking at what needs repaired and replaced. So how can it be any different anywhere else?

I guess that turns out to be a pretty expensive lunch for someone. Fortunately not me.

1 comment:

ALP said...

Glad to hear that you were both okay.

I think with insurance companies they have what is called, "Usual and customary" fees. They take the average price for your area.

So if her insurance will only pay the usual and customary but where you are going charges higher; she might have to pay the difference or something like that.

Anyway - again glad to hear you are okay...