Theoretical question - car repair shop crashes my expensive vehicle - Defender Source
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  #1  
Old June 5th, 2013, 09:15 AM
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Theoretical question - car repair shop crashes my expensive vehicle

So, just a theoretical question - if an independent shop busts up my awesome late-model sports car (could be any of the following: Porsche, Maserati, Lotus, Tesla) while it was there for regular maintenance, and they want to fix through their "sources", what should i do? Here are a few scenarios I can think of:

A. Let them fix through their sources (cannot believe I'm even giving this as a possibility)
2. Call my insurance and file a claim
D. Call my attorney and my insurance company.

Don't need legal advice, just a gut check. Shop used to be considered awesome but really turned into a bunch of money-whore dirtbags over the years.
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  #2  
Old June 5th, 2013, 09:17 AM
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Lawyer! Easy - have Lawyer file a claim to get it done RIGHT at a shop of your choosing at their expense
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  #3  
Old June 5th, 2013, 09:21 AM
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#2 if you are friendly with your agent (If you have Geico your hosed). If you have USAA you are golden. The shop has insurance and they will pay for the repair. If it was a corrola I would say work a "deal".

You pay your insurance for this reason. I know USAA would not penalize me in this situation. And yes get a report.
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  #4  
Old June 5th, 2013, 09:21 AM
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I'd go with d. I'd also like to know how it happened an would likly get the PO-PO involved.

Also, please let me know what shop to NOT use.

Do you remember a while back one of the local LR dealers totaled a customers truck something like 50+ miles from the dealership while in a joy ride.
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  #5  
Old June 5th, 2013, 09:26 AM
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Quote:
Originally Posted by lordhelemt View Post
I'd go with d. I'd also like to know how it happened an would likly get the PO-PO involved.

Also, please let me know what shop to NOT use.

Do you remember a while back one of the local LR dealers totaled a customers truck something like 50+ miles from the dealership while in a joy ride.
Yes. I think it was during a road trip to VA Beach 4 hours away. Thinking the Washington Post picked it up.

HBL screwed me over doing something similar about 12 years ago.
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  #6  
Old June 5th, 2013, 09:30 AM
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Whatever you chose, don't let the shop fix it on their dime - it won't be done right and they will do it the cheapest way possible. Your first step is the proper route - through your insurance company. If that fails, lawyer up.
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  #7  
Old June 5th, 2013, 09:31 AM
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Thanks, guys - I think the "theoretical" obvious ruling is to bring in the adults (insurance/the law/attorney) and work it out with a big stick. Paul, I'd be happy to give you a "case study" example of a local independent shop that could indeed fit the bill.

Would a "crash" or "bust up" like this potentially end up on Carfax? What about someone going after the shop for the theoretical lost value of said sports car?
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  #8  
Old June 5th, 2013, 09:36 AM
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It could end up on Carfax. If the cops write a report 99% sure it will show up.

Is the Indy shop the big one in Tyson's? If so I'd like to know as I have the service my non-LR vehicles
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  #9  
Old June 5th, 2013, 09:40 AM
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I'd have to communicate any info in person - which should be easy considering you live within walking distance of my house and I owe you a trumpet.
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  #10  
Old June 5th, 2013, 09:44 AM
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Cool, will discuss next time I see you. Good luck with your claim.
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  #11  
Old June 5th, 2013, 09:57 AM
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That sucks. I was test driving a customer's 06 Rangie, hadn't latched the bonnet onto the safety catch after diagnosing wind noise- that was a success at least- and had the hood come up over-center 300 yards from the shop. Later realised the bonnet switch wasn't giving a warning but ultimately it was still my fault. My insurance fit a new hood and paint, and the customer is satisfied with the repair. Hope it works out well for your situation.
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  #12  
Old June 5th, 2013, 10:11 AM
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As a shop I see the both sides of this.... we have had a problem or two over the years.

Any good shop will have insurance. It is not unreasonable to ask to view the insurance prior to having work done on your car if you have a bad feeling or we are talking big bucks vehicle.

If there is an accident fault really does not matter. The shop was entrusted with your vehicle and they (their insurance) are responsible for the repair. If another person unrelated, to the shop hits your vehicle while on a test drive and the shop is in no way at fault, it is still their responsibility to ensure the vehicle is repaired.

A very minor issues such as a broken light or such the shop can easily fix. Anything much more than that should involve your insurance.

Your insurance should get with their insurance. If you have full coverage (on hi dollar car you better) your insurance will make sure you are made whole no matter what happens with the other insurance.

There is not much need for you and the shop to be involved with each other much. Let the insurance companies work it all out. The key to this is you need to be made whole; don't settle for less.
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  #13  
Old June 5th, 2013, 10:21 AM
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Whatever route i hope it works out to your satisfaction...but I encourage you to have the work done elsewhere...in anything a second opinion always garners a better result.
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  #14  
Old June 5th, 2013, 10:56 AM
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Quote:
Originally Posted by atlcruiser View Post
As a shop I see the both sides of this.... we have had a problem or two over the years.

Any good shop will have insurance. It is not unreasonable to ask to view the insurance prior to having work done on your car if you have a bad feeling or we are talking big bucks vehicle.

If there is an accident fault really does not matter. The shop was entrusted with your vehicle and they (their insurance) are responsible for the repair. If another person unrelated, to the shop hits your vehicle while on a test drive and the shop is in no way at fault, it is still their responsibility to ensure the vehicle is repaired.

A very minor issues such as a broken light or such the shop can easily fix. Anything much more than that should involve your insurance.

Your insurance should get with their insurance. If you have full coverage (on hi dollar car you better) your insurance will make sure you are made whole no matter what happens with the other insurance.

There is not much need for you and the shop to be involved with each other much. Let the insurance companies work it all out. The key to this is you need to be made whole; don't settle for less.
Agreed here - this is why we all have insurance. Just work it out via official channels and it will be settled.
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  #15  
Old June 5th, 2013, 01:11 PM
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One possible issue with filing a claim with your own insurance is it very likely will be on your record as filing a claim (obviously). This could be an issue down the road via higher rates, or having used up your "free" claim if you have another to file.
IMO, involving my own insurance company would be a last resort.
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  #16  
Old June 5th, 2013, 01:13 PM
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The fault is completely on the other party and this should in no way affect your insurance status.
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  #17  
Old June 5th, 2013, 01:20 PM
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To to lotustalk.com and see all the threads on similar situations for advice.
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  #18  
Old June 5th, 2013, 02:49 PM
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To to lotustalk.com and see all the threads on similar situations for advice.
Thanks - which section?

ignore me, found some
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  #19  
Old June 5th, 2013, 02:50 PM
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Thanks - which section?
I think you have to search. Q balls got dropped off a lift and there were a bunch of others.
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  #20  
Old June 5th, 2013, 10:26 PM
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Originally Posted by Red90 View Post
The fault is completely on the other party and this should in no way affect your insurance status.
"Should" being the key word. Considering that insurance companies use your credit score as a factor to determine your rates (obviously if you've been late paying bills you're more likely to file a claim ) I don't put anything past them.
A recent study found that out of 5 insurance companies checked, 4 will charge lower rates for someone who has a masters degree and is an executive, yet has had at fault accidents in the past 3 years, than they will for a receptionist with a high school education but no accidents or moving violations.

I'm always very careful about contacting my insurance company, about anything. You just never know what new way they will find to screw you.
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