Other party wants to give me check instead of filing insurance, is this kosher?
December 27, 2012 5:12 PM Subscribe
Person bumped into me in parking lot, wants to give me check instead of filing insurance, is this kosher?
posted by Mr. Gunn to Work & Money (20 answers total) 1 user marked this as a favorite
This was just a bump by someone who didn't look before backing out of their parking space, but the rear bumper and quarter panel need fixing and repainting. I asked for an estimate from a local body shop and the first thing he asked is if this was going to be on insurance or not, because his prices were much lower if I was paying cash. MUCH lower. The printed computer quote was for $1300, but he said if I paid cash, he'd do it for $750.
If I get a check from the person who hit me for $750, I need the repair to actually be $750 and not $1300. The estimate clearly says "this is just an estimate, actual costs may be higher". Can I get a quote from someone, maybe a body shop chain instead of this independent guy, that guarantees the work will not cost more or should I insist on filing with the person's insurance?