04-24-2019 | #31 |
Join Date: Nov 2016
Location: Southlake, TX
Posts: 590
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Re: Insurance help/strategy needed please.... got tagged
What a "F'n Goat Rope" (I'm a Navy guy, so it is appropriate) the insurance stuff is.
Progressive (the other guys company) inspected the car and found that the estimate for work, parts, time, quality...etc was dead on EXCEPT they wanted to pay the shop $50 an hour verses the $90 they charge. Progressives solution was for me to take my car to Maaco (I'm serious) or pay the difference on 91.5 hours of work. I lost my mind on the phone and later apologized for raising my voice at the office to my staff (I own my business so they "had" to forgive me) as they know how nutty I am about my car. I called my Allstate rep and they said they would honor the quote, labor rate and sent me a $1000 check for the deductible. AllState called my shop and said that they will authorize the repairs as-is and to stand by for the paper authorization. So far AllState has been a 10 and Flo is not so good.
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Bill Schroeder Texas Proud! 1991 Corvette ZR1 #1388 2015 Challenger Scat Pack Shaker |
04-24-2019 | #32 |
Join Date: Mar 2007
Location: Crystal Lake, IL
Posts: 7,193
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Re: Insurance help/strategy needed please.... got tagged
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LGAFF 90 #966-150K miles-sold 92 #234-sold 1987 Callaway TT #17 1991 ZR-1 #1359 |
04-24-2019 | #33 |
Join Date: Mar 2007
Location: Crystal Lake, IL
Posts: 7,193
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Insurance help/strategy needed please.... got tagged
I am actually surprised Allstate will pay a rate higher than prevailing rate in the area. Doing that locks them in to 90 per hour anywhere in the local market.
They might argue that the fiberglass repairs are specialty item in today’s world .....average labor rate countrywide is in the 50s. Honestly lower labor rate areas can also have vastly different repair times on judgement items that make it a wash to higher rate territories Sent from my iPhone using ZR-1 Net Registry
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LGAFF 90 #966-150K miles-sold 92 #234-sold 1987 Callaway TT #17 1991 ZR-1 #1359 Last edited by LGAFF; 04-24-2019 at 05:31 PM. |
04-24-2019 | #34 |
Join Date: Nov 2016
Location: Southlake, TX
Posts: 590
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Re: Insurance help/strategy needed please.... got tagged
I'm surprised that $50 an hour is considered "reasonable"? Base salary, matching taxes, health care insurance, workmans comp insurance, general liability, shop over head...etc and then expect top quality work?
All than and then TRY to make profit?
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Bill Schroeder Texas Proud! 1991 Corvette ZR1 #1388 2015 Challenger Scat Pack Shaker |
04-24-2019 | #35 |
Join Date: Mar 2007
Location: Crystal Lake, IL
Posts: 7,193
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Re: Insurance help/strategy needed please.... got tagged
4600 shops surveyed 57 is average. Highest rates are in CA due to cost of real estate
Sent from my iPhone using ZR-1 Net Registry
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LGAFF 90 #966-150K miles-sold 92 #234-sold 1987 Callaway TT #17 1991 ZR-1 #1359 |
04-24-2019 | #36 |
Join Date: Nov 2016
Location: Southlake, TX
Posts: 590
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Re: Insurance help/strategy needed please.... got tagged
I believe you, I just can't see how these guys do it?
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Bill Schroeder Texas Proud! 1991 Corvette ZR1 #1388 2015 Challenger Scat Pack Shaker |
04-24-2019 | #37 |
Join Date: Mar 2007
Location: Crystal Lake, IL
Posts: 7,193
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Re: Insurance help/strategy needed please.... got tagged
Don't forget they get a markup on parts and paint(15-25%).... they also get book time and that often is overstated on small items, along with anywhere from $25 to $100 per day for storing vehicles that end up being total losses.
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LGAFF 90 #966-150K miles-sold 92 #234-sold 1987 Callaway TT #17 1991 ZR-1 #1359 |
04-25-2019 | #38 |
Join Date: Nov 2007
Location: Squires (near Ava MO in the Mark Twain N'tl Forest) - Missouri
Posts: 6,493
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Re: Insurance help/strategy needed please.... got tagged
P.S. Boy-yo-boy....Good thing that dipstick bracket didn't get damaged. Flo woulda freaked out at the cost of that "custom, high-performance" part!
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Good carz, good food, good friendz = the best of timez! 90 #1202 "FBI" top end ported & relieved Cam timing by "Pete the Greek" Sans secondaries Chip & dyno tuning by Haibeck Automotive SW headers, X-pipe, MF muffs Former Secretary, ZR-1 Net Registry |
04-25-2019 | #39 |
Join Date: Jun 2006
Location: Sparks, NV
Posts: 2,852
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Re: Insurance help/strategy needed please.... got tagged
Progressive cancelled my son’s fully paid insurance a month early and never notified him. He didn’t find out until the police stopped him a year later and cited him for a lapse in coverage that previous year. They impounded his plates and would not release them till the ticket and fine were paid. When Progressive was contacted they admitted the policy was fully paid and that they had cancelled coverage early but would not say why. He had no tickets, accidents or points on his record. The DMV stated they had seen other instances like this from Progressive and speculated that Progressive was cancelling policies when they learned the customer was switching companies. He was indeed changing companies at that time and had already procured a new policy elsewhere which was scheduled into effect when the progressive policy was scheduled to end. The matter has been appealed and accepted by the state insurance board who is currently investigating. I will never do business with Progressive again.
H
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90'ZR-1 #1461 Red/Black Ported Intake, Degreed Cams, OBX Headers & Exhaust, Fidanza FW, Secondary Delete, Custom tune, C6 GS Wheels. Sold 08 C6 Z51 Crystal Red Metallic Sold Vararam Intake, Tune, Sold 05 C6 Z51 Red/Black Sold 90'ZR-1 #1723 Black/Gray Sold but not forgotten 91' Z51 L98 White Vert. My First, you always remember your first. Sold. Last edited by Ccmano; 04-25-2019 at 11:26 AM. |
04-25-2019 | #40 |
Join Date: Mar 2007
Location: Crystal Lake, IL
Posts: 7,193
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Re: Insurance help/strategy needed please.... got tagged
By law a cancellation must be served in writing and with a grace period otherwise it’s not valid typically those letters are required to be registered as mailed with the post office.
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LGAFF 90 #966-150K miles-sold 92 #234-sold 1987 Callaway TT #17 1991 ZR-1 #1359 |
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