Auto body work (paint)

[sniper7]

Any members here do this? Had a guy back into my car, needs a new hood which I can order, and the bumper painted. 2000 civic sedan in green.

have to get a quote done then the insurance company will pay me out if I choose not to use the shop I take it to. Just looking at my different options and maybe take some of the money from the quote to put into the mechanical side of it for piece of mind.


would also be good to just buy a used green hood. I'll need to call around unless someone knows of a good spot?

[cstone]

Spleify would be my first point of contact for that line of work.

[sniper7]

Okay cool I'll send him a pm.

[Irving]

Which insurance company are you dealing with? If it's the other guy's insurance, you should be able to just get a quote and have them cash you out. If it's not your insurance, they don't care if you get the vehicle repaired or not. You can also be cashed out for the cost of a rental (likely only $20 a day) for the amount of days to repair on the estimate.

[sniper7]

Good to know, it's the other guys insurance. American family. I've been more than displeased with dealing with them. Took 4 days to get ahold of anybody that could tell me wtf was going on. Then I was basically questioned whether I was stopped or not while I was backed over. And the quote process if a PITA, partly due to my schedule but still. And of course they didn't even offer up a rental car. I'm not driving my new truck to sit at the airport Parking lot in the middle of hail season, let alone the wind which magically snags car doors and leaves dents because idiots don't pay attention.

[Irving]

Yeah, they're going to ask you if you were moving, because if you were moving, it changes everything as far as liability (potentially). They won't offer you a rental if your car is driveable, except for the time it should be in the shop. BUT, you should be able to get into a rental, or be paid for a rental for while the vehicle is in the shop. Or, as we mentioned earlier, if you are going to get cashed out, they can pay you an amount (probably $20/day) for however many days of repair the estimate calls for.

[sniper7]

OK thanks

[T-Giv]

OK thanks

Leif has been pretty busy with his new shop. He was working on a quote for me about a month ago and wasn't able to get it done. Maybe things have slowed down now but we ended up having to use a different shop.

[sniper7]

Well, talking to the insurance, I'm going to take the cash payout and find another place to get it done, or just go to pull and pay or somewhere and find a green hood and put it on myself. (If anyone knows where to find a green hood for a 2000 civic VP please let me know.)

as far as the rental car, they say I can cash out for the claim, but not for the rental car. I can get a rental car for the time period the estimate called for or reimbursed for the amount of a rental car from the company I choose up to about $23 a day, but they won't include that amount in the cash pay out.

[Irving]

They don't want to pay you for something they know you aren't getting, but they technically owe you for the rental, regardless of if you actually get one, as the rental cost is part of the repair. You can probably push that issue.

[Snowman78]

I don't believe they have to pay for a rental vehicle unless you actually use one.

By CRS 10-1-109, 10-3-1110, 10-4601.5 and 10-4-639 they have to pay for the "Direct Loss"

"Direct loss" is "cost to repair"
Cost to repair is the repair of the vehicle, towing and storage. I believe rental vehicle is a consequential loss and they do not have to pay that unless you use one.

Consequential loss is considered an indirect loss (as compared to losses from the direct damage).

You can contact D.O.R.A,
Division of Insurance (https://www.ar-15.co/cs/Satellite?c=Page&childpagename=DORA-DI%2FDORALayout&cid=1251623445671&pagename=CBONWrapper&rendermode=live)DORA's Division of Insurance regulates the insurance industry and assists consumers and other stakeholders with insurance issues.
Marguerite Salazar, Commissioner
1560 Broadway, Suite 850
Denver, CO 80202
303-894-7499

[Snowman78]

So I really wanted to know if they had to pay you for a rental vehicle if you cash out on a claim so I called the Division of Insurance.
They said "no" an insured company does not have to pay for a rental vehicle or loss of use to a claimant on a 3rd party loss unless the claimant actually uses a rental or the vehicle is not drivable.

[sniper7]

Looks like I'll be getting a rental vehicle then while I work on it or get stuff done to it. I think they quoted 5 days so that should work.

[Irving]

They usually have a person who follows up with the shop on the repair to make sure everything is being repaired on schedule. Be aware of that, as once they find out YOU are the shop, they won't extend the rental if the repair goes long. Shouldn't be a big deal for you some you are just looking for the money anyway.

[Snowman78]

^+1

[Snowman78]

Looks like I'll be getting a rental vehicle then while I work on it or get stuff done to it. I think they quoted 5 days so that should work.

BTW, I like your Tahoe, wish I had the money for it!

[sniper7]

They usually have a person who follows up with the shop on the repair to make sure everything is being repaired on schedule. Be aware of that, as once they find out YOU are the shop, they won't extend the rental if the repair goes long. Shouldn't be a big deal for you some you are just looking for the money anyway.

I think they estimated 5 days so I'll just keep the car that long. I have other vehicles but I'll keep the miles off them while I get this thing fixed

[sniper7]

BTW, I like your Tahoe, wish I had the money for it!

Thanks! It's a great vehicle, but the wife says I don't need 4 vehicles.

[Great-Kazoo]

Thanks! It's a great vehicle, but the wife says I don't need 4 vehicles.

Does she need 5 pair of shoes?

[sniper7]

You're gonna get me slapped!

[Irving]

You probably don't NEED to be married and pay for her Masters either...

[sniper7]

Very true, but I don't see her seeing it that way!