Insurance help/strategy needed please.... got tagged

[billschroeder5842]

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.

[LGAFF]

I think someone told you that would happen


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[LGAFF]

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

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[billschroeder5842]

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?

[LGAFF]

4600 shops surveyed 57 is average. Highest rates are in CA due to cost of real estate


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[billschroeder5842]

I believe you, I just can't see how these guys do it?

[LGAFF]

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.

[Paul Workman]

Originally Posted by billschroeder5842

So far AllState has been a 10 and Flo is not so good.

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!

[Ccmano]

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

[LGAFF]

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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