GraveYard Shift BS

You shouldn’t be coming out of pocket for shit when you’re not at fault. The reason you’re paying the deductible is you’re going through your insurance to fix it not theirs. Yours is going to fix it then get their money back from his.

 

If I go to a different shop, would I have to pay up front for the estimate/inspection?

Well shit, I've got some work to do in the morning lol.
I'll have to cancel my drop-off with the 'in network' shop and find a local shop with good reviews.
Then call his insurance company and tell them where I'm going to take it.
Then call my insurance company and tell them I'm handing it with the other company.

Yeah, me paying up front for them to reimburse me later just sounds like they're going to try and scam me out of my deductible.

 

Don’t forget to try and get some diminished value for yours from his insurance also if you can. Fuck em, get all you can. Cause that shit will show up on a carfax later.

 

Fuck, I need to find a lawyer friend

 

Shops don’t charge for estimates. They want your business. I usually get about 2-3 estimates and offer up the highest one to them. They’ll pay a little less then you’ll have extra over what it costs. I used to take my shit to the highest end shop in town for estimates.

 

Nah, you just need to talk to some of us that have been there a few times. We know how this shit goes.

 

Oh yeah, if it's free I'll shop around for sure.
The 'in network' shop said they only check visible stuff and they don't check out internal/nonvisible damage until they lift it up for the actual repairs...

True. If his insurance company gives me shit though, I can't threaten that I'll get my TacomaWorld buddies and sue them.

 

They're great

 

Any shop can amend their estimate after they dig into the repair to the insurance company.

 

I suppose that's true.
If it's just the bumper, I'll tell them I can do the repairs myself but if there's anything frame/non-visible then whatever shop I take it to is gonna have to do it.

 

Don't forget the broken CV's

 

I wonder if they'll cover a rental too even though I don't think I pay Allstate for rental reimbursment.

 

Safeway covered mine. I did have to pay it upfront though.

 

I feel like that'd be sketchier to get back than having to do the deductible up front.

 

I just gave them the receipt and they added it to the total. I only had it for a week before I bought my truck.

 

Ah, okay.

 

After my initial phone call to my insurance, I never spoke to them again. I took it to the shop of my choice and told Safeway where it was at. From then on, the shop would email/deal with Safeway. I was part of the email chain b/t them though.

 

huh.
Yeah, first thing I did was file the claim with my insurance online. whoops.

 

Welp... it’s my Friday, off in a few hrs. Was eyeing the election results most of the shift. Now sadly I worry I’ll wake up to a world going to shit...

 

I don't see why it'd be a problem to end your claim with Allstate. I don't have much experience with it. The TJ was the first time I've ever dealt with insurance. I wrecked my T4R when I was younger, but my folks dealt with that.