Charlesfairchil
New Member
- 6
On February 14th someone backed into my Nissan 360z while it was parked. The damage was only cosmetic on the passenger side rear quarter panel. But then two days after I made the claim the engine slung a rod then locked up.
I sent the insurance company pictures of the car and damage and they gave me an estimate of only $1,300 for just the rocker panel. But there is a whole in the rocker panel, rear quarter panel, and subframe from the hitch the guy had on his car. So I told them it wasn’t even close to the amount of the damages and they told me to take it to a shop to get a supplement estimate for the rest of the damage. So I tools it to a body shop and the people at the shop understood that all i need is $5000 for compensation for ether the damages or to total the car because that’s how much I bought it for 5 months prior. After a few days the body shop got back to me and said that be damages or worth about $5000, but the insurance company is valuing the car at $7000 so they won’t be able to total it. And they also said they were waiting for the insurance company to approve the supplement estimate. So I waited a few days and called to see what was happening and she said she was still waiting on the supplement estimate from the body shop. So I called the body shop and they said they were still waiting on the insurance company. So I called them every couple of days and they would put me through the same run around over and over and tell me that she can’t do anything. So fast forward to now, it’s been at the shop for 20 days I called the insurance company and she told me That she is waiting on the supplement estimate from the body shop still. So I called up the body shop again and they told me that they can’t get the car on the frame machine since it doesn’t run, and the insurance won’t approve the supplement estimate without it being put on a frame machine. So I called the insurance company again and then she told me that they don’t have the proper documentation for the supplements so it won’t approve. And the insurance company told me that I can look into different shops but I don’t see how they would get the proper documentation at a different shop, they would probably say the same thing. So now I am thinking of taking my car out of the shop and hiring a lawyer. And luckily the body shop knows that I’m going through hell with the insurance company right now so they said they won’t charge me storage cost, luckily. But the only other option I can think about is getting the car to run which is going to cost about $2000 and then taking it back up there to get $5000, and unfortunately I don’t have gap insurance so I need at least $3700 to pay off my loan.
I was just wondering if there’s any other options I could take advantage of and if this is even ground to take the court
Not to mention, they set me up with a rental car that I drove an hour to go pick up only to find out that they won’t rent to me because I’m 19. Which I already knew that I was too young but the insurance company told me that they would rent to me because of it being with the insurance.
She also told me that they are responsible for storage costs. And I don’t know exactly how that work. Because from my perspective, I didn’t back into my car so why is money coming out of my pocket to get compensation.
But can someone please help me out because I really don’t wanna have to pay a lawyer but I don’t know anything else I can do.
I sent the insurance company pictures of the car and damage and they gave me an estimate of only $1,300 for just the rocker panel. But there is a whole in the rocker panel, rear quarter panel, and subframe from the hitch the guy had on his car. So I told them it wasn’t even close to the amount of the damages and they told me to take it to a shop to get a supplement estimate for the rest of the damage. So I tools it to a body shop and the people at the shop understood that all i need is $5000 for compensation for ether the damages or to total the car because that’s how much I bought it for 5 months prior. After a few days the body shop got back to me and said that be damages or worth about $5000, but the insurance company is valuing the car at $7000 so they won’t be able to total it. And they also said they were waiting for the insurance company to approve the supplement estimate. So I waited a few days and called to see what was happening and she said she was still waiting on the supplement estimate from the body shop. So I called the body shop and they said they were still waiting on the insurance company. So I called them every couple of days and they would put me through the same run around over and over and tell me that she can’t do anything. So fast forward to now, it’s been at the shop for 20 days I called the insurance company and she told me That she is waiting on the supplement estimate from the body shop still. So I called up the body shop again and they told me that they can’t get the car on the frame machine since it doesn’t run, and the insurance won’t approve the supplement estimate without it being put on a frame machine. So I called the insurance company again and then she told me that they don’t have the proper documentation for the supplements so it won’t approve. And the insurance company told me that I can look into different shops but I don’t see how they would get the proper documentation at a different shop, they would probably say the same thing. So now I am thinking of taking my car out of the shop and hiring a lawyer. And luckily the body shop knows that I’m going through hell with the insurance company right now so they said they won’t charge me storage cost, luckily. But the only other option I can think about is getting the car to run which is going to cost about $2000 and then taking it back up there to get $5000, and unfortunately I don’t have gap insurance so I need at least $3700 to pay off my loan.
I was just wondering if there’s any other options I could take advantage of and if this is even ground to take the court
Not to mention, they set me up with a rental car that I drove an hour to go pick up only to find out that they won’t rent to me because I’m 19. Which I already knew that I was too young but the insurance company told me that they would rent to me because of it being with the insurance.
She also told me that they are responsible for storage costs. And I don’t know exactly how that work. Because from my perspective, I didn’t back into my car so why is money coming out of my pocket to get compensation.
But can someone please help me out because I really don’t wanna have to pay a lawyer but I don’t know anything else I can do.