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Guest Message by DevFuse

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Register your Fusion Hybrid at the official Ford authorized registry here.


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Last night I hit a deer...


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60 replies to this topic

#21 OFFLINE   LEM

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Posted 17 August 2014 - 08:45 AM

So sorry to hear about your accident. Glad you weren't injured. I don't know about Virginia, but MN has a law that insurance must pay for the car to be repaired with OEM parts, no aftermarket parts allowed without written consent from the car owner, and a law that you can choose any body shop you want and that the insurance must negotiate the price with the body shop if you choose a shop that charges more than the insurance wants to pay. I hope VA has similar customer protection laws.

We had our Focus Electric repaired at the body shop of a local dealer. They repair all makes/models but almost all of their work is on Fords since they're connected with the Ford dealer. They did an excellent job repairing our Focus Electric.

 

Thanks for that information. I will mention that about OEM parts. Sorry you also had to have your car repaired...









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#22 OFFLINE   LEM

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Posted 17 August 2014 - 08:48 AM

Thanks everybody for posting your experiences and help.

I'm taking the car tomorrow to a Progressive center to have the car inspected. On Tuesday I'll take it to the body shop for the estimate.

I'll post here how the process went.

 

So sad to see my car that way everyday. He's like telling me "Fix me! Fix me!" :)


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#23 OFFLINE   corncobs

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Posted 17 August 2014 - 08:53 AM

I don't know about now but I was told years ago that it's very hard if not impossible to straighten a bend hood.

It's most likely much more cost effective to get a new one.
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#24 OFFLINE   acdii

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Posted 17 August 2014 - 10:07 AM

Depends on how bad it is. If its just a little wrinkle on the nose, that is usually fixed with putty, but if it has a warp, they usually replace it. Once the underpinnings of a hood are bent, there is no way to repair it without removing all the welds and straightening both parts and welding them back together.

 

I'm surprised Progressive doesn't have an inspector come out to look at it like 21st and Gieco. When I hit a racoon with the prius and busted the bumper, I had 21st at that time and then sent someone out that day to look at it, got the approval for repairs and took it to the family body shop.  Same thing with my Flex when I hit a deer, though it was Gieco that I had for that one.

 

I am keeping fingers crossed I never have to go through any of that ever again, especially with the total loss of my Flex.

 

Funny story though RE the Flex. I was at BB the other day and there it was, my Flex(not really MY Flex), all shiny, all black, exact options I had on mine. I was sad. In fact walking out to the store I headed for it, and my wife said, um, thats not ours. OOPS!   Oh man I wish I could have found an exact replacement.


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#25 OFFLINE   LEM

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Posted 18 August 2014 - 01:53 PM

Depends on how bad it is. If its just a little wrinkle on the nose, that is usually fixed with putty, but if it has a warp, they usually replace it. Once the underpinnings of a hood are bent, there is no way to repair it without removing all the welds and straightening both parts and welding them back together.

 

I'm surprised Progressive doesn't have an inspector come out to look at it like 21st and Gieco. When I hit a racoon with the prius and busted the bumper, I had 21st at that time and then sent someone out that day to look at it, got the approval for repairs and took it to the family body shop.  Same thing with my Flex when I hit a deer, though it was Gieco that I had for that one.

 

I am keeping fingers crossed I never have to go through any of that ever again, especially with the total loss of my Flex.

 

Funny story though RE the Flex. I was at BB the other day and there it was, my Flex(not really MY Flex), all shiny, all black, exact options I had on mine. I was sad. In fact walking out to the store I headed for it, and my wife said, um, thats not ours. OOPS!   Oh man I wish I could have found an exact replacement.

 

Yes, the inspector could have gone to the body shop, but they told me that they wouldn't be able to do that until Friday, so I preferred to take the car to their centers.



#26 OFFLINE   acdii

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Posted 18 August 2014 - 01:56 PM

21st actually sent the adjuster to my office to look at it.  So any news yet on damage?


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#27 OFFLINE   LEM

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Posted 18 August 2014 - 02:00 PM

I just came back from the Progressive center. I didn't leave very satisfied...

 

Regarding the bumper and the hood, they think it will probably can be fixed, not replaced.

 

Also the estimate would be without using OEM parts! The guy didn't tell me, but I read that in the papers he gave me.

Can I demand to have OEM parts and that the insurance pays for this?

 

I'm so frustrated that I may end up paying more with my own money. The check they gave me was for $1,898.



#28 OFFLINE   LEM

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Posted 18 August 2014 - 02:01 PM

21st actually sent the adjuster to my office to look at it.  So any news yet on damage?

 

Thanks for the reply, acdii. Yes, I just posted it.



#29 OFFLINE   acdii

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Posted 18 August 2014 - 02:05 PM

They issued a check prior to work being done?  What if there is hidden damage that wont be found until they have the car apart?  Thats what happened with mine, the Insurance adjuster thought they would be able to reuse the under grill on the Flex, but after it was apart there was more hidden damage that required more parts. 


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#30 OFFLINE   LEM

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Posted 18 August 2014 - 02:06 PM

They issued a check prior to work being done?  What if there is hidden damage that wont be found until they have the car apart?  Thats what happened with mine, the Insurance adjuster thought they would be able to reuse the under grill on the Flex, but after it was apart there was more hidden damage that required more parts. 

 

Yes, I was surprised about that, too. They say that if there are any changes, they will deal that with the body shop directly.



#31 OFFLINE   hybridbear

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Posted 18 August 2014 - 05:06 PM

I just came back from the Progressive center. I didn't leave very satisfied...

 

Regarding the bumper and the hood, they think it will probably can be fixed, not replaced.

 

Also the estimate would be without using OEM parts! The guy didn't tell me, but I read that in the papers he gave me.

Can I demand to have OEM parts and that the insurance pays for this?

 

I'm so frustrated that I may end up paying more with my own money. The check they gave me was for $1,898.

VA law says:

 

VIRGINIA LAW:

Approved March 16, 2003
Be it enacted by the General Assembly of Virginia:

1- That §38.2-517 of the Code of Virginia is amended and reenacted as follows:
§ 38.2-5U. Unfair: settlement practices; replacement and repair: penalty.

A. No person shall:

1. Require an insured or claimant to utilize designated replacement or repair facilities or services, or the products of designated manufacturers, as a prerequisite to settling or paying any claim arising under a policy or policies of insurance: or

2. Engage in any act of coercion or intimidation causing or; intended to cause an insured or claimant to utilize designated replacement or repair facilities or services, or the products of designated manufacturers, in connection with settling or paying any claim arising under a policy or policies of insurance;

3. Fail to disclose to the insured or claimant, at such time as it recommends the use of a designated motor vehicle replacement or repair facility or service, or products of a designated manufacturer; in connection with settling or paying any claim arising under a policy or policies of insurance, that the insured or claimant is under no obligation to use the replacement or repair facility or service or products of the manufacturer recommended by the insurer or by a representative of the insurer; or

4. Fail to disclose to the insured or claimant, at such time as it recommends the use of a designated motor vehicle replacement or repair facility in connection with settling or paying any claim arising under a policy or policies of insurance, that the insurer has a financial interest in such replacement or repair facility, if the insurer has such an interest.

B. This section shall, not be construed to require an. insurer to pay an amount for motor vehicle repair services or repair products necessary to properly and fairly repair the vehicle to its pre-loss condition that is greater than the prevailing competitive charges for equivalent services or products charged by similar contractors or repair shops within a reasonable geographic or trade area of the address of the repair facility. Offering an explanation of the extent of an insurer’s obligation under this section to its policyholder or third-party claimant shall not constitute a violation of this section.

C. Any person violating this section shall be subject to the injunctive, and enforcement provisions of Chapter 2 ( 38.2-200 et seq.) of this title. The Commission shall investigate, with the written authorization of the insured or claimant, any written complaints received pursuant to this section, regardless of whether such written complaints are submitted by an individual or a repair facility. For the purpose of this subsection, any insurance company utilizing a third party shall be held accountable for any violation of this section by such third party.

2. That the provisions of this act shall apply to motor vehicle insurance policies issued or renewed on or after July 1, 2003.

This does not mean that the insurance much use OEM parts, it just means that they cannot require you to use non-OEM parts or a specific repair shop.

 

Check out this guide from the Commonwealth of Virginia. Specifically read question 2 in section 12 (FAQs). Virginia doesn't even require insurance companies to use new parts. They're allowed to put used parts on your car. If you want OEM parts you can work with the body shop to determine the price difference. You can try to get the insurance company to cover it but they likely won't, leaving you to pay the difference out of pocket if you so choose.

 

This is very different from MN where new OEM parts are required on all vehicles, no matter how old.

 

Yes, I was surprised about that, too. They say that if there are any changes, they will deal that with the body shop directly.

I would not accept this. Tell them that you do not want a check. Tell them that you want them to pay the shop directly. This is a protection for you to make sure that you don't have to pay anything out of pocket.


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#32 OFFLINE   usererror

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Posted 18 August 2014 - 06:19 PM

Major bummer! Living an a deer infested state, too, I am always concerned about these damn 4 legged runners.

 

Not sure this will help, but my local dealer also does not have a collision shop, they referred to me to a local body shop when I needed some paint done, and the independent shop did an incredible job. Can't even tell I ever scratched it!  Hopefully your independent shop will be just as good.  Last time I did have to use insurance to cover my own personal stupidity, the shop the insurance used also did a fabulous job.  That was with Progressive or "Flo's Insurance" but I'm no longer with them.


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#33 OFFLINE   acdii

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Posted 18 August 2014 - 08:58 PM

Flo is scary


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#34 OFFLINE   corncobs

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Posted 18 August 2014 - 09:18 PM

Flo is scary


Especially when she is trying to hide behind a dim street light.
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#35 OFFLINE   acdii

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Posted 18 August 2014 - 09:28 PM

Flo is to me  what the clown IT is to my wife.


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#36 OFFLINE   LEM

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Posted 19 August 2014 - 10:13 AM

VA law says:

This does not mean that the insurance much use OEM parts, it just means that they cannot require you to use non-OEM parts or a specific repair shop.

 

Check out this guide from the Commonwealth of Virginia. Specifically read question 2 in section 12 (FAQs). Virginia doesn't even require insurance companies to use new parts. They're allowed to put used parts on your car. If you want OEM parts you can work with the body shop to determine the price difference. You can try to get the insurance company to cover it but they likely won't, leaving you to pay the difference out of pocket if you so choose.

 

This is very different from MN where new OEM parts are required on all vehicles, no matter how old.

 

I would not accept this. Tell them that you do not want a check. Tell them that you want them to pay the shop directly. This is a protection for you to make sure that you don't have to pay anything out of pocket.

 

Thanks for all that information. I saw your post last night, and I called right away to Progressive. I told them about the check. They guy insisted that I shouldn't worry about anything, that it is the normal procedure, that they would talk to the body shop, blah blah blah...

I said that it was ok.

 

I just came back from the body shop. They were nice and said the car will be in mint condition after the work. They told me that they would probably have to replace the bumper and the hood, and that I shouldn't have to worry about the insurance because

they'll talk to them. They said that they always do the same. The estimate is always much lower than the final cost.

 

The car will be there for about 3 weeks. They said that I shouldn't have driven the car like that. :(

 

They will call me tomorrow to give me the estimate. My experience now is that I should have taken the car to the body shop FIRST, and then let Progressive make the estimate.


Edited by LEM, 19 August 2014 - 10:15 AM.


#37 OFFLINE   tr7driver

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Posted 19 August 2014 - 11:53 AM

I had some issues with progressive and they came through.  I told the claims person I wanted to escalate the issue with her supervisor and body shop called me the next day and said they had agreed to pay everything.  It all worked out fine.  I did change insurance companies when it was time to renew.



#38 OFFLINE   LEM

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Posted 19 August 2014 - 12:07 PM

I had some issues with progressive and they came through.  I told the claims person I wanted to escalate the issue with her supervisor and body shop called me the next day and said they had agreed to pay everything.  It all worked out fine.  I did change insurance companies when it was time to renew.

 

Thanks for that. So far my experience is not being that great. What company are you using now?



#39 OFFLINE   tr7driver

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Posted 19 August 2014 - 01:26 PM

I'm using Country Financial.  I ended up bundling long term care, life, home, auto and liability for my biz and they gave me a nice discount.


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#40 OFFLINE   hybridbear

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Posted 19 August 2014 - 01:26 PM

Thanks for that. So far my experience is not being that great. What company are you using now?

I've been rear-ended 3 times and each time the other person's insurance has been very easy to work with.

 

Our experience from last week was dealing with The Hartford. The claims adjuster was very pleasant and helpful. I have never gotten a quote from them in the past for insurance but definitely will the next time our policy is up because of this good experience.

 

When the Prius was scraped by someone parallel parking we dealt with State Farm. They were also very easy to deal with.

 

When I was rear-ended in my Saab back in December 2010 the girl who hit me had Progressive. They were very quick to help me out. I was hit on a Saturday and time was short since I was leaving to go out of town the following Thursday on a road trip in my car. I brought my car to a body shop Monday morning and Progressive got their adjuster out to the body shop Monday afternoon. The body shop finished my car on Wednesday and I was able to take it on the trip. Progressive had said that they would cover the rental car for my road trip if they couldn't get my car repaired in time, but they rushed their inspector out to the body shop within a few hours of my first contact with them so that they could save the expense of paying for my rental car for an extra 11 days.

 

My first time being rear-ended we dealt with Farmers. They also were easy to work with, but my memory of this incident is a bit fuzzy because it happened in 2005.

 

Something I just realized now when thinking back about this. All four incidents happened on Saturdays. I wonder what the statistics are for car accidents by day of the week.

 

My whole life my parents have had their car insurance with West Bend Mutual. When they had two recent claims they found West Bend to be easy to work with and their rates didn't go up even though they had three claims in a span of two years. None of the claims were "at-fault" accidents, twice their cars were hit while parked on the street and once my dad was hit by a lady who ran a stop sign. One claim was small, only about $1000 paid by insurance but the other two each were over $12,000 paid by insurance each time.

 

I've had Geico for the last 3+ years and while I haven't had any claims other than glass repair, I have found their customer service to be excellent when I've called with questions.


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