dfalk Posted June 26, 2013 Share Posted June 26, 2013 My car was involved in a hit and run accident this past weekend, I've never had to deal with an insurance claim in my life so I would like to know my options: A drunk driver hit my car and was caught. At the time I wasn't able to get his insurance information. I went to get a police report to get his information and they said it will take up to 14 days to get that information. I didn't want to wait that long to get my car fixed so I filed a claim with my insurance to get it fixed, then they will go after his insurance to get their money back. So I went and got an estimate on my damage and they quoted me a little over $3,000 for repair. My main question is, if I just hold out to get this guy's insurance information will they just cut me a check for $3,000? If I hold out and get that check I figure I can repair the car myself for under $1500. All I would have to do is order these parts and get them painted to match my car: $25.74 http://www.buysubarupartsnow.com/oem-part/subaru/legacy/2006/gt/2-5l-h4-gas/body-hardware/exterior-trim/lower-molding-left/91021ag01bnn $98.76 http://www.buysubarupartsnow.com/oem-part/subaru/legacy/2009/3-0-r/3-0l-h6-gas/body-hardware/exterior-trim/rocker-molding-left/91112ag33ann This is the before picture. Today I spent about 5 min and cleaned the wheel up to look new (which they wanted to replace for $190), spent about 10 min with a clay bar and made the rear quarter panel look good, and if I spend some more time on the rear door will look just as good. http://tivohdmg.photobucket.com/albums/v388/dfalk/IMG_1360_zps6f953476.jpg?t=1372228475 http://www.buysubarupartsnow.com/oem-part/subaru/legacy/2009/3-0-r/3-0l-h6-gas/body-hardware/exterior-trim/rocker-molding-left/91112ag33ann So basically I would have to buy 2 trim pieces, get them painted and I can put them on myself. Right now I owe $2500 on this car, ideally I'd like to fix it up then take the money I make from this claim and pretty much pay it off. Like I said this is the first time in my life I've ever had to deal with an insurance claim, what would you do??? Link to comment Share on other sites More sharing options...
dfalk Posted June 26, 2013 Author Share Posted June 26, 2013 EDIT: I forgot to add I got lucky as fawk not a single dent was made, it is all tire rub damage. Link to comment Share on other sites More sharing options...
EmuChicken Posted June 26, 2013 Share Posted June 26, 2013 ... I'm not sure on the details, but you may have to get chummy with a mechanic to put in a claim for $somanydollars. The insurance company may want to choose a garage of their choice, it all depends on the company. Wait it out, don't bother fixing it yourself, or taking it to a garage until you know the details. If you go for a flying start, you may be just creating more bother for yourself Link to comment Share on other sites More sharing options...
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