Nissan 370Z Forum - View Single Post

zakimak · 12-13-2013, 10:15 AM

I agree with IRE that you have to understand where the 'advice' is coming from. Tow truck drivers get kick backs from all sorts of deals that at the end of the day, either you or the insurance company will end up paying which will ultimately will be you. Firstly know your rights.

In Ontario, you CAN specified where you can have your car repaired. That said, Insurance company will tell you to go to their pre approved shops. The reason being they get better rates and generally will get the result that will be satisfactory for their customers. That said, if you decide not to go to their recommended shop, they will not be able to assist you should there be an issue with the repairs after you sign to approve payment. Which mean until you are ABSOLUTELY sure that you are getting everything you've asked for and are satisfied, DO NOT sign anything.

As for genuine parts, it depends on your policy and ultimately the remaining value. Generally, if the repairs is more than half of the total value, the insurance company will write the car off. So if in these 'genuine' parts adds up to more than half, you might end up without a vehicle. So in some instances, it would probably be better to get non OEM Nissan parts.

I think you're at a stage that an appraiser/adjuster needs to be involved. He's is your friend so work with him. They will go to the site and appraise how much the damage might be and at that point you may ask what parts they are using and how much it would be in total. Once you have that, you will know where you're at. Use this time to research local body shops and see if you can instead repair with alternative 'upgraded parts'. Insurance company are generally flexible as long as the parts in question does not exceed the repair bill. You however cannot take direct payment using lesser parts as that would constitute fraud.

If you decide to have it repaired at your own facility, upon completion, the adjuster might pay you a visit to determine if proper repairs has been made.

As for whether you need a police occurrence report, it depends on your insurance company. Work with them. They are there to make sure things goes smoothly and don't be a prick as they can make your life miserable. Be forthright about your intentions with upgraded parts should you chose that route. As above, the most critical person that you will deal with in this situation is the adjuster/appraiser. Ask him how much your car is currently worth, the cost to repair and tell him what you'd like to do in this unfortunate situation. Again, be honest and forthright. They will work with you if you give them that respect.

12-13-2013, 10:15 AM	#23 (permalink)
zakimak 6/2/80 - 9/29/14 - RIP Lukas Join Date: Jun 2011 Location: Ottawa, Ontario Posts: 450 Drives: ZR; Q45; VTR1K, GT65 Rep Power: 17	I agree with IRE that you have to understand where the 'advice' is coming from. Tow truck drivers get kick backs from all sorts of deals that at the end of the day, either you or the insurance company will end up paying which will ultimately will be you. Firstly know your rights. In Ontario, you CAN specified where you can have your car repaired. That said, Insurance company will tell you to go to their pre approved shops. The reason being they get better rates and generally will get the result that will be satisfactory for their customers. That said, if you decide not to go to their recommended shop, they will not be able to assist you should there be an issue with the repairs after you sign to approve payment. Which mean until you are ABSOLUTELY sure that you are getting everything you've asked for and are satisfied, DO NOT sign anything. As for genuine parts, it depends on your policy and ultimately the remaining value. Generally, if the repairs is more than half of the total value, the insurance company will write the car off. So if in these 'genuine' parts adds up to more than half, you might end up without a vehicle. So in some instances, it would probably be better to get non OEM Nissan parts. I think you're at a stage that an appraiser/adjuster needs to be involved. He's is your friend so work with him. They will go to the site and appraise how much the damage might be and at that point you may ask what parts they are using and how much it would be in total. Once you have that, you will know where you're at. Use this time to research local body shops and see if you can instead repair with alternative 'upgraded parts'. Insurance company are generally flexible as long as the parts in question does not exceed the repair bill. You however cannot take direct payment using lesser parts as that would constitute fraud. If you decide to have it repaired at your own facility, upon completion, the adjuster might pay you a visit to determine if proper repairs has been made. As for whether you need a police occurrence report, it depends on your insurance company. Work with them. They are there to make sure things goes smoothly and don't be a prick as they can make your life miserable. Be forthright about your intentions with upgraded parts should you chose that route. As above, the most critical person that you will deal with in this situation is the adjuster/appraiser. Ask him how much your car is currently worth, the cost to repair and tell him what you'd like to do in this unfortunate situation. Again, be honest and forthright. They will work with you if you give them that respect. __________________ What doesn't kill you might make you a cripple so chose wisely. Free Stuff for Premium Members - Yeah Really Last edited by zakimak; 12-13-2013 at 02:19 PM.