More details to this question:
Recently a deer hit my car on the side while I was driving. I called my insurance and they told me I have a $1,000 deductible. I then took it to a local body shop and he gave me two estimates. Lower end repair with no OEM parts was $1400 and a higher end repair estimates with all OEM parts was $2,400. He gave me the higher end estimate to submit to the insurance. Not knowing how this works and I never been In an accident I submitted it. The insurance told me to pay the $1,000 deductible to the collision shop and the check the insurance wrote me was $1400 which was actually the amount of the lower estimate. What do I do? Do I notify the insurance that that colllison shop was not totally honest and I don't want to be dragged into this which I am now. Do pay the insurance company back the $1400. I do not want to face criminal liability.
1 ANSWER
Civil Rights Law Attorney serving Rockville Centre, NY
Partner at
Lori Nevias, Attorney at Law
1 Award
You're not facing criminal liability. And this is not a legal question, it's a math question. You were paid the correct amount of money by your insurance company based on the $2400 estimate. Your insurance company was responsible for paying for the $2400 repair minus your $1000 deductible. That's $1400, which was paid to the collision shop. But you still owed the collision shop the rest of the $2400. That's why you paid $1000 to them. The collision shop was honest. Your insurance company did the right thing. It's all good.
Answered on Jun 07th, 2018 at 3:49 PM