My 2008 car was recently (while parked). The person left their info and the insurance company took responsibility.
The front fender is pushed in and the bumper is scraped/painted up.
The insurance company photo estimate just came back with 1600 to fix it.
1600 is a lot of money.
I am not sure I want it fixed (the insurance company hasn’t offered me cash at this point but I didn’t ask either).
I was trying to get somebody to take a quick look at my car for more damage /!: make sure it’s safe to drive…but with it being a holiday weekend it didn’t happen.
Am I crazy to just ask them for a check?
Pros/cons?
I own the car if it matters.
Edit:
I know with the damage the resale value is lower… but it has a decent amount of hail damage already too..
there may be more damage like you said. 1600 isn’t a ton for what you describe. my car door was dented slightly by another driver and required $6000 in body work. he tried to pay me cash but noped out after the body shop said $6000. i ended up having to use my insurance w uninsured motorist coverage, he thought he had insurance but had been kicked off the policy.
i would get it fixed if it wasn’t your fault. especially with car resale prices so high. what is the make & model? what is the current condition of the car?
They’ll just send you a check…an you can cash it an go on with life OR you can take your car to a shop and if there is more damage once they get it apart they’ll ask the insurance for more money. I’ve always just had my insurance send the check to the shop doing the work but usually they try to send it to you first
It’s really your decision…could also get a second opinion and see if they’ll write it for more but usually the first estimate they give you is a low end offer hoping you’ll cash it an walk away cause that’s cheaper than having you actually take it to a shop an get it repaired likely totally more than the 1,600.
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