Smashed my Z

nogoodname

You'll need all those parts but it would suck if the frame is bent which wouldn't be a surprise.

alcheng

Sorry to hear about your accident bro, but it's good to know you didn't get hurt and the Z is fixable.


1) Do not listen to the autobody shop

2) Go to a shop that you trust, or the shops suggests by the insurance company, or the dealer.

3) Regarding the repair cost... here's the thing:

a) The shop will have to give a list to the insurance company of what parts has to be replaced and what has to be repaired.

b) The list of parts/estimation, have to state what kind of parts, OEM or aftermarket, and the cost/price of it.

c) the insurance company can only approve genuine parts because safety and warranty issue UNLESS genuine parts is no-longer available.

d) some body shop, like the one you are dealing with, will suggest you aftermarket parts aka mod-parts. how they do it? let say the insurance company approve the shop for an amount of money, instead of using the money to buy the parts on the estimate, they will use the money to buy whatever the parts you want or they want.
For example, an OEM intake cost $300, they let you to use the $300 to buy a CAI or whatever, as long as the total doesn't cost more than the amount of money they receive from the insurance company.

However, this is considered insurance fraud.


4) You, as the customer, has the right to ask for the list. The list must have:
a) Parts name and sku#
b) quantity
c) Price
d) # of hour(s) of each repair
e) total price of all the parts
f) total hours of repair
g) tax
h) grand total of the complete job


5) You can also ask the shop to show you the replaced parts after the job is done thus you know they have actually replaced the parts

6) most importantly, communicate with the shop and the insurance company politely, remember, your Z is in their hand.


hope the above CAD$0.02 helps

H2O_Doc

Can you cite? There can be issues if the bank owns the vehicle (the expectation to return a vehicle to a certain condition) but there doesn't seem to be any inherent fraud in your example.

zakimak

Technically it is fraud in a sense that the approve product was not in stalled per the work order thus make it freaudulant. However, most if not all company are pretty flexible as long as there are no direct kickback of cash involved. Say you are approved for the intake at $300 and you only spent $200 and pockected thge rest. In this case, this outright insurance fraud. That said, if the product installed is the same or within range, they will let it slide. Now the "they" I am referring to is the adjuster, so work with him/her. They can be your friend or your worst nightmare. Don't be a prick and think you're entitled to things and be respectful and you'll likely end up happy.

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Chuck33079

Things must be very different in Canada. This is perfectly ok in the US.

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