DODGE RAM FORUM - Ram Forums & Owners Club! - Ram Truck Forum - View Single Post - Massive hail damage, need help!
View Single Post
Old 07-18-2011, 02:51 PM
starquestbd22's Avatar
starquestbd22 starquestbd22 is offline
Dodge Ram Forum Senior Member
Join Date: Jan 2011
Location: NC
Age: 35
Posts: 2,681
Gender: Male
Vehicle: 2004 Dodge Ram 1500 4X4
Trim Level: Sport quad cab
Color: Bright Silver Metallic
Engine: 2003-2008 345ci (5.7L) Hemi V8 345hp 375lb/ft
Rep Power: 8
starquestbd22 is just really nicestarquestbd22 is just really nicestarquestbd22 is just really nicestarquestbd22 is just really nice

"some shops will "eat the deductible" to where you dont have to pay out of pocket, but if there's a lil left over after the repairs are done, they get to keep it... whats so shady or wrong about that?... i'd rather them do that then keep it..."

Not sure how many still do this and it probably depends on the type of claim but some insurance companies would allow you to get your own estimate. Then they write you and the body shop a check for the amount of the repairs minus your deductible. Getting the body shop to raise their quote in order to cover the repairs AND your deductible is dishonest and technically insurance fraud. Now don't get me wrong...the insurance companies get plenty of our money and they can afford it more than we can....I'm just saying by way of explanation. As long as you have a fair, reputable insurance company I would say letting them estimate it and cut you a check is the way to go. I don't know if using the money for something other than repairing your vehicle would be considered fraud or not. On one hand, that's why they are giving you the money. On the other hand, it's your vehicle and if you want to ride around with it that way.....I dunno.

Anyway, so you are considering keeping the money and selling your new truck as is? Aren't you going to lose probably more than the amount of that check by reselling that new of a truck with that kind of damage?
06-08 chrome clads w/33" Cooper Discoverer H/T Plus, Mopar tailgate spoiler, debadged door trim & tailgate emblems, 13" antenna, LED dome & maps, Magnaflow 22" SI/DO, 18% tint, "HEMI" hood spears, VHT tinted tails & third brake light, Lamin-x optic blue fogs, leveled w/McGaughys 2" drop shackles.
Reply With Quote