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Insurance ?
Thread Starter
Le Mans Master
Joined: Aug 2011
Posts: 5,599
Likes: 10
St. Jude Donor '16
Insurance ?
As some of you know i hit a deer a couple weeks back. The body shop called and they have all my parts in. Thursday i will be taking it there.My question is they have the check in my name and theirs from the ins. company. If they ask me to sign it before i see the results should i? Would i still have any recourse in with the ins. company if i did?
Drifting
Joined: Oct 2005
Posts: 1,457
Likes: 9
From: Minneapolis MN
That's kind of unusual. Most of the time the body shops I have used just settled directly with the insurance company and I never saw nor had to sign a check. The main concern is that the body shop could find additional work or parts are needed once they get it all apart. Typically the body shops I have used address this directly with the insurer. I'd proceed with caution. I can see no reason you would have to sign that check before the work is done.
Melting Slicks
Joined: Dec 2008
Posts: 2,772
Likes: 64
From: Mystic CT
Do you pay for dinner before or after you have had it? Do you pay for groceries when you walk in or on the way out? Your ins company has made you the general contractor responsible for the outcome with your time effort and risk change that back to their problem. In a pinch sign nothing until finished and let the shop know you can not sign for the company and if you do it means this is a final payment fixed or not and you are not playing that game that shifts everything to you and your time. You buy insurance to offload responsibility to some degree as to financial and if a claim responsibility to oversee repair unless if you asked to take that position if yes to that you gave away any protection and your bad move.
Le Mans Master
Joined: Aug 2007
Posts: 8,735
Likes: 412
From: WV
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Melting Slicks
Joined: Dec 2008
Posts: 2,772
Likes: 64
From: Mystic CT
Melting Slicks
Joined: Dec 2008
Posts: 2,772
Likes: 64
From: Mystic CT
It might be a silly question is the check drafted as you and the ins co or you or the ins co. Big difference the first requires 2 signatures and does protect you because if not done correctly you do not have to sign if you or ins co only 1 signature needed and either one will do.
Thread Starter
Le Mans Master
Joined: Aug 2011
Posts: 5,599
Likes: 10
St. Jude Donor '16
Thanks for the advice guys. I wont be signing anything till the job is done. Ive never paid for a Hooker but a Hooker paid me!....Hooker headers in California when i was just learning to weld many years ago.
Le Mans Master
Joined: Feb 2001
Posts: 6,317
Likes: 291
From: Ocala FL
Go for a test ride BEFORE you sign the check.
Years ago, I went to pick up my Suburban after it was hit and repaired(?), and everything looked good. Signed the check and drove home. Just as I was getting home the steering felt funny. I opened the hood and the rag joint wasn't attached.
I called them and they refused to come get it. Couldn't get any satisfaction with the insurance company either. I bolted the rag joint together and had to file a complaint with the state. I never heard anything and never got anything out of it.
Years ago, I went to pick up my Suburban after it was hit and repaired(?), and everything looked good. Signed the check and drove home. Just as I was getting home the steering felt funny. I opened the hood and the rag joint wasn't attached.
I called them and they refused to come get it. Couldn't get any satisfaction with the insurance company either. I bolted the rag joint together and had to file a complaint with the state. I never heard anything and never got anything out of it.
Instructor
Joined: Nov 2011
Posts: 157
Likes: 2
From: Mentor OH
One other thing. Not only don't sign it, hold onto the check until you pick the car up. You will (or have already) need to sign a form authorizing them to do the work. Most likely, the fine print in there is also Power Of Attorney. If you give them POA and the check, they can simply sign it for you and cash it.
It would take a really shady operation to actually cash the check lik that, but....
It would take a really shady operation to actually cash the check lik that, but....
