Insurance claim?
Thread Starter
Pro
Joined: Dec 2009
Posts: 688
Likes: 18
From: Seattle Wa
Insurance claim?
Hey Guys,
A friend of mine recently got into a wreck. They have gotten a quote for $2000 to fix their car. Is there a way to have the insurance company cut a check to them instead of the place?
I ask because I can fix it for them for less and they could then use it towards other repairs on the car as well.
I know this is possible, just curious if you have to make any special request or?
A friend of mine recently got into a wreck. They have gotten a quote for $2000 to fix their car. Is there a way to have the insurance company cut a check to them instead of the place?
I ask because I can fix it for them for less and they could then use it towards other repairs on the car as well.
I know this is possible, just curious if you have to make any special request or?
Former Vendor
Joined: Jul 2001
Posts: 709
Likes: 3
From: Plainfield, IL
Insurance check
Your friend owns the insurance policy not the body shop. The insurance company will try to tell you that they can make the check to a bodyshop but this is not the case. They owe your friend the money not the bodyshop and must make the check to him. If they give him a hard time tell him to call the state department of insurance regulation and they will help me.
Don
Don
Racer
Joined: Mar 2009
Posts: 335
Likes: 40
From: Sacramento CA
When I worked insurance claims many years ago, the insurance company had a contract with the lien holder to protect them up to the value of the car. Because of this, if the repairs were above a certain amount and the insured insisted on cashing out, the draft was made payable to the lien holder. Also, the labor rate would be reduced to what a journeyman level bodyman would make.
As I said, this was years ago and I do not know if this stills hold true.
As I said, this was years ago and I do not know if this stills hold true.
Lifetime Member
Joined: Dec 2002
Posts: 10,702
Likes: 76
From: New Jersey
St. Jude Donor '05, '12-'13, '15-'16, '21
Is their a lien holder? Different story if so because the insurance company recognizes the financial interest of the lienholder which is a part of the insurance contract. The check would be made payable to the owner, the lienholder and possibly the body shop.
That's one aspect. The second is even if no lienholder the insurance company will still want to pay the body shop. They don't want to be in a position of paying for repairs that aren't made and still have an insurance contract in place. At a minimum it was my experience when I handled insurance claims that the check will be made payable to both the body shop and the owner.
That's one aspect. The second is even if no lienholder the insurance company will still want to pay the body shop. They don't want to be in a position of paying for repairs that aren't made and still have an insurance contract in place. At a minimum it was my experience when I handled insurance claims that the check will be made payable to both the body shop and the owner.
Burning Brakes
Joined: Jul 2010
Posts: 1,107
Likes: 31
From: oxnard california
There's tricks to this . If u want the most out of the insurance go to a shop and have them ask for more $. If u want the check u can have it to ur name . I have personaly dealt with this before.
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When I had hail damage to a previous DD, my insurance company cut the check to me. I'd recommend getting some estimates and then talking to the insurance company - ask them to cut the check to the car's owner.
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Drifting
Joined: Aug 2009
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Is their a lien holder? Different story if so because the insurance company recognizes the financial interest of the lienholder which is a part of the insurance contract. The check would be made payable to the owner, the lienholder and possibly the body shop.
That's one aspect. The second is even if no lienholder the insurance company will still want to pay the body shop. They don't want to be in a position of paying for repairs that aren't made and still have an insurance contract in place. At a minimum it was my experience when I handled insurance claims that the check will be made payable to both the body shop and the owner.
That's one aspect. The second is even if no lienholder the insurance company will still want to pay the body shop. They don't want to be in a position of paying for repairs that aren't made and still have an insurance contract in place. At a minimum it was my experience when I handled insurance claims that the check will be made payable to both the body shop and the owner.
Racer
Joined: Feb 2010
Posts: 388
Likes: 0
From: Effingham IL
If its paid off with no lien holder he or she can get check in his or hers name and cash it. Its a federal law that says you have the right to choose the place of repair. If there is money still owed it has to be in both owner and shops names by law. It protects lien holder
Race Director
Joined: Jul 2007
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From: Reno is so close to Hell you can see Sparks , State Of Confusion
St. Jude Donor '12-'13-'14
If the car is financed the check will go to the body shop in both names, If car isn't financed the check will go to the owner.
