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Cheating the issuance company on auto body repair?

Home ▸ Archive ▸ Serious Business ▸ Cheating the issuance company on auto body repair?
I

I Am Ahab

Senior Member

478 posts
May 13, 2011 9:46 AM
So Monday a lady hits my car while it's parked on the street. The car I'm going to soon use on a trade-in now needs a new door. My boss tells he knows a body guy who can sometimes get your repairs done while getting you extra money from the insurance co. The words he used made it sound like the guy knew how to exploit some grey area to do so. How does this work and is it illegal?
May 13, 2011 9:46am
LJ's avatar

LJ

Senior Member

16,351 posts
May 13, 2011 9:49 AM
From what I understand from a friend who is a claims adjuster

Having a body shop overstate repair costs, charge you less and let you pocket the difference when the insurance company went off of their estimate = fraud

Having the insurance company come up with an estimate an cut you a check, then getting the work done for less and pocketing the difference = kosher
May 13, 2011 9:49am
september63's avatar

september63

Senior Member

5,789 posts
May 13, 2011 9:50 AM
LOL. You use the term "cheating" an insurance company. Then ask if its legal? You answered your own question. Now, do ppl do this? Sure, many, many ppl look to get over on their insurance company.
May 13, 2011 9:50am
V

vball10set

paying it forward

24,795 posts
May 13, 2011 9:50 AM
what the hell's an issuance company?
May 13, 2011 9:50am
B

BR1986FB

Senior Member

24,104 posts
May 13, 2011 9:52 AM
september63;767322 wrote:LOL. You use the term "cheating" an insurance company. Then ask if its legal? You answered your own question. Now, do ppl do this? Sure, many, many ppl look to get over on their insurance company.

I've heard of people doing this.
May 13, 2011 9:52am
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
May 13, 2011 9:53 AM
Yeah, that doesn't sound right at all.

When my truck mirror was hit I was lucky enough to not have to deal with insurance. Got an estimate from the dealership for $467, the lady wrote me a check for $467, and I bought an OEM mirror on ebay for $130 and replaced it myself in about 30 minutes.
May 13, 2011 9:53am
S

Sonofanump

May 13, 2011 9:57 AM
justincredible;767327 wrote:Yeah, that doesn't sound right at all.

When my truck mirror was hit I was lucky enough to not have to deal with insurance. Got an estimate from the dealership for $467, the lady wrote me a check for $467, and I bought an OEM mirror on ebay for $130 and replaced it myself in about 30 minutes.

Did you lube her before you gave it to her. Wow, forget the insurance, screw the lady paying out her pocket.
May 13, 2011 9:57am
T

thavoice

Senior Member

14,376 posts
May 13, 2011 9:58 AM
THere is no softer pillow than a clear conscience.
May 13, 2011 9:58am
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
May 13, 2011 10:00 AM
Sonofanump;767334 wrote:Did you lube her before you gave it to her. Wow, forget the insurance, screw the lady paying out her pocket.

She paid me what it would have cost to get it done at a dealership. It's not my fault I'm handy enough to fix it myself. The lady seemed happy to just write me the check and not deal with insurance.
May 13, 2011 10:00am
S

Sonofanump

May 13, 2011 10:02 AM
justincredible;767341 wrote:She paid me what it would have cost to get it done at a dealership. It's not my fault I'm handy enough to fix it myself. The lady seemed happy to just write me the check and not deal with insurance.

No need to justify it to me. You did what you thought you needed to do...
May 13, 2011 10:02am
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
May 13, 2011 10:05 AM
Sonofanump;767345 wrote:No need to justify it to me. You did what you thought you needed to do...

OK.
May 13, 2011 10:05am
V

vball10set

paying it forward

24,795 posts
May 13, 2011 10:05 AM
thavoice;767337 wrote:THere is no softer pillow than a clear conscience.

+1
May 13, 2011 10:05am
Fab1b's avatar

Fab1b

The Bald A-Hole!!

12,949 posts
May 13, 2011 10:20 AM
And people wonder why insurance cost so much, its not your credit or driving record that drives up the rates it is FRAUD!!!
May 13, 2011 10:20am
S

Sonofanump

May 13, 2011 10:21 AM
Fab1b;767365 wrote:And people wonder why insurance cost so much, its not your credit or driving record that drives up the rates it is FRAUD!!!

and the ability to file a lawsuit and runaway jury awards.
May 13, 2011 10:21am
mucalum49's avatar

mucalum49

Senior Member

1,639 posts
May 13, 2011 10:23 AM
LJ;767321 wrote:From what I understand from a friend who is a claims adjuster

Having a body shop overstate repair costs, charge you less and let you pocket the difference when the insurance company went off of their estimate = fraud

Having the insurance company come up with an estimate an cut you a check, then getting the work done for less and pocketing the difference = kosher
This. And if additional damage is found by the body shop and the initial check is not enough the company will pay for the supplemental damage but usually send that check directly to the body shop.
May 13, 2011 10:23am
hoops23's avatar

hoops23

Senior Member

15,696 posts
May 13, 2011 2:12 PM
Sonofanump;767334 wrote:Did you lube her before you gave it to her. Wow, forget the insurance, screw the lady paying out her pocket.

There is absolutely 0 wrong with what he did. The lady knocked his mirror off, he got an estimate, she paid for her damage, he found replacement for cheaper..

/story.
May 13, 2011 2:12pm
Heretic's avatar

Heretic

Son of the Sun

18,820 posts
May 13, 2011 2:15 PM
thavoice;767337 wrote:THere is no softer pillow than a clear conscience.

A pillow stuffed with dollar bills you bilked someone out of is pretty damn soft!
May 13, 2011 2:15pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
May 13, 2011 2:20 PM
hoops23;767575 wrote:There is absolutely 0 wrong with what he did. The lady knocked his mirror off, he got an estimate, she paid for her damage, he found replacement for cheaper..

/story.

Yep. If I had absolutely no skills with a ratchet I would've taken it to a garage to get fixed and it would've been the full amount. Why should I give her a discount for busting my shit just because I can fix it myself?

I also know of people who've had their cars damaged and instead of dealing with insurance the person that hit them cut them a check based on a quote. Instead of actually getting the repair they just kept the money because they didn't really care much about the damage.
May 13, 2011 2:20pm
ZWICK 4 PREZ's avatar

ZWICK 4 PREZ

Senior Member

7,733 posts
May 13, 2011 2:22 PM
justincredible;767583 wrote: I also know of people who've had their cards damaged and instead of dealing with insurance the person that hit them cut them a checked based on a quote.

Yeah but how much can a poker deck cost?
May 13, 2011 2:22pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
May 13, 2011 2:23 PM
ZWICK 4 PREZ;767587 wrote:Yeah but how much can a poker deck cost?

Threeve
May 13, 2011 2:23pm
gorocks99's avatar

gorocks99

Senior Member

10,760 posts
May 13, 2011 2:24 PM
justincredible;767583 wrote:Yep. If I had absolutely no skills with a ratchet I would've taken it to a garage to get fixed and it would've been the full amount. Why should I give her a discount for busting my shit just because I can fix it myself?

I also know of people who've had their cars damaged and instead of dealing with insurance the person that hit them cut them a check based on a quote. Instead of actually getting the repair they just kept the money because they didn't really care much about the damage.

How much does card insurance run ya?
May 13, 2011 2:24pm
se-alum's avatar

se-alum

The Biggest Boss

13,948 posts
May 13, 2011 2:27 PM
ZWICK 4 PREZ;767587 wrote:Yeah but how much can a poker deck cost?
They probably got a quote for a deck of nudey cards, which are considerably more expensive than your run of the mill decks.
May 13, 2011 2:27pm