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Originally Posted by JimM
What they should, and probably will do, is let you take it to the shop of your choice, and pay the entire bill with no quibling. You shouldn't even have to be involved.
I put a 98 vette into a ditch leaving my lakehouse in wisconsin once. Then tried to drive between a large sewage pumping station and a 2' diamter oak tree. Unfortunatley, the space was 6" narrower than the car. She lodged just in front of the doors.
I actually tried to back her out, looked in the rear view mirror just in time to see one of the front tires hit the ground 40 feet behind me. That damned LS2 was still purring like a kitten, but the PCM was laying on the ground in a puddle!
A neighbor recommended a shop about 40 miles away that retores corvettes. Insurance company had it tows there, and 4 months later I got it back good as new. Never saw a bill, never saw an estimate, just handed the shop owner my check for the deductible and drove her home.
Damage was 17k plus
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I have been on the other end with an insurance company. I got rear ended in an older Porsche, and their insurance tried to tell me where to take it, and that they were only going to pay so much for the claim. I pretty much told then to get f****d and we haggled to the point where I almost hired a lawyer, and after that they caved, but I had to produce receipts to replicate the work done on the car. It was a major pain in the ass. Not only that, they wanted to use after market body panels, not Porsche panels.