LivingBomb48
New Member
- 1
Hello all, I'll get straight to the point:
Two days ago I got into a collision which was 100% my fault. The other driver and I agreed it was minor enough not to drag the cops/insurance in and pay it off-the-table.
The following morning, the other driver texts me with the estimation her mechanic made, around $3,000. I instantly transferred the money to her through PayPal. The mechanic apparently told her that they still have to provide an estimate for "internal damages" once they take apart the car - probably tomorrow.
I still have to pay for the damage to my car. My question is - should I drag my car insurance company into this by making a claim? My quandary is that what's to stop the auto mechanic from artificially jacking up the prices? I'm reading that insurance companies are far better at negotiating than the average layman so it might be in my best interest to make a claim and pay just pay the deductibles vs. ~$6,000. That's a lot of money to me.
In situations like these, does your insurance company pay for the damages to both your car AND the other car? Also, would a police report be mandatory in these types of situations? Last thing I want is a police report.
Looking forward to any feedback, thank you for reading.
Two days ago I got into a collision which was 100% my fault. The other driver and I agreed it was minor enough not to drag the cops/insurance in and pay it off-the-table.
The following morning, the other driver texts me with the estimation her mechanic made, around $3,000. I instantly transferred the money to her through PayPal. The mechanic apparently told her that they still have to provide an estimate for "internal damages" once they take apart the car - probably tomorrow.
I still have to pay for the damage to my car. My question is - should I drag my car insurance company into this by making a claim? My quandary is that what's to stop the auto mechanic from artificially jacking up the prices? I'm reading that insurance companies are far better at negotiating than the average layman so it might be in my best interest to make a claim and pay just pay the deductibles vs. ~$6,000. That's a lot of money to me.
In situations like these, does your insurance company pay for the damages to both your car AND the other car? Also, would a police report be mandatory in these types of situations? Last thing I want is a police report.
Looking forward to any feedback, thank you for reading.