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Friendly reminder to those not in the industry. If you tell the shop you are going to pay out of pocket then later decide to file an insurance claim, call the shop and tell them the claim info and how the insurance is handling initial estimate and payment.

Friendly reminder to those not in the industry. If you tell the shop you are going to pay out of pocket then later decide to file an insurance claim, call the shop and tell them the claim info and how the insurance is handling initial estimate and payment.

swollennode

You can charge them daily storage fees though if they pull that crap.


slapshot2742

No insurance company is going to pay storage fees for parts.


Tonysteve

He’s talking the customer. Customer created the issue and will either pay the difference between my estimate and theirs or they will pay a storage fee for creating a layover issue. I have had insurance pay a storage fee on parts. Ordered the used composite rad support they found and it came in broken and the oem one was back ordered. They paid me storage on a supplement because I ordered the part they said was acceptable and it wasn’t.


Talltee9

Don't you love it. Last customer I had tried that. I wrote them an estimate off what I could see. I explained to her that I could find more damage, long story short once we got it tore down I called to let her know what I found she flipped out and said that's more than they gave me. She got real honest after that.


Tonysteve

My favorite is when they show up to pick up the car and you hand them the final invoice and they say “insurance hasn’t paid you?” Nope you said it’s out of pocket. Write me a check or I hold your keys. If it’s a non insurance 2 party deal I don’t start work till someone puts money in my hand. Either the owner or the at fault party but I don’t send final invoices to someone that verbally told you they will pay for it.


CJM8515

ive had vehicles when i worked at shops where the person pulled that stunt. we locked it in side the gates, with multiple other cars blocking it in.. somehow they usually come up with the money REAL quick. if they dont, welp nice storage fees rack up


the-reddit-app-sucks

Yes, be honest with shop too. We had a insurance assignment just said rear damage. Customer stated he dropped 5th wheel on bed of truck. Needed 2 complete bedsides at $1800 a piece special order no return once ordered. Waiting for those to come in and we get a call from his insurance yelling at us because all he told them was he backed into his garage and just needed a rear bumper. After a lot of arguing and phone calls customer got a large bill for restocking fee and additional tear down.


Tonysteve

Yep seen that quite a few times. In my area it’s always the middle aged and older rednecks that try to pull one over on the insurance. Then they will ask me to cover their deductible as well. “I pay enough every month I shouldn’t have to pay a deductible”.


Due_Independence_431

We got one in the shop the customer brought it in for a new fender headlight and new bumper. All insurance claim. Well the local dealership came by asking about a 2108 Toyota Highlander. We're like yea we have 2 in the shop which one. Well long story short the customer traded it in without letting us know.


Tonysteve

I had a tow in a couple years ago the old man drove off in a ditch and filed an insurance claim and gave me the go ahead. Car was torn down and parts were in route and a dealer called me wanting pics of the car because the old man was apparently a good long term customer of this dealership. He sent them pics from a month ago and they took as trade based off his photos. Somehow he convinced them to buy the parts off me and they took the car off my hands. He came back a couple days later with his new truck and paid me for my tear down and admin time. Weirdest transaction ever.


justanothergearhead

Something everyone in this industry needs to wake up to and realize is that **WE DO NOT WORK FOR INSURANCE COMPANIES!!!!** Our job is to properly and safely repair vehicles for the vehicle owner. If the insurance company does not want to pay for a proper repair at my shop, the customer pays the difference. The key is to educate the vehicle owner on the front end, get them on your side, and keep them very well informed and update during the process. If the insurance company says "we dont pay for that" you immediately call the vehicle owner and let them know that the insurance company is refusing to pay to properly repair their car. One call from the vehicle owner to the ins co will usually remedy this, as long as you arm them with the right information. My shop doesnt accept payment from any insurance company. The vehicle owner is my customer and they are responsible for the bill when the car is picked up. All checks are sent to the vehicle owner as reimbursement, if there is a short pay, thats between them and the insurance company. Just like a hospital bill.