Hasn't been my experience at all, but everyone has their situations.
Having the tile has had zero effect on being paid (in my experience); the money goes to the insured party whether they're holding a title or not (but I could see this one being VERY different depending on where you are... banks wouldn't want to be on the hook for a wrecked car). Idk, I've always come out far, FAR ahead when being paid directly for damage and would have been comparatively screwed if I just let them handle it.
Friend of mine went through the same thing last year; she was rear-ended and the insurance company wanted to bring it into their shop to fix it. She asked me about it; I said get quotes and tell the insurance company you want to be paid directly - they pushed back slightly but grudgingly said ok. She got a check for $2,500 and got the damage repaired and repainted for about $600, good as new.
Having the tile has had zero effect on being paid (in my experience); the money goes to the insured party whether they're holding a title or not (but I could see this one being VERY different depending on where you are... banks wouldn't want to be on the hook for a wrecked car). Idk, I've always come out far, FAR ahead when being paid directly for damage and would have been comparatively screwed if I just let them handle it.
Friend of mine went through the same thing last year; she was rear-ended and the insurance company wanted to bring it into their shop to fix it. She asked me about it; I said get quotes and tell the insurance company you want to be paid directly - they pushed back slightly but grudgingly said ok. She got a check for $2,500 and got the damage repaired and repainted for about $600, good as new.
Were I live unless you go to a discount poor quality paint & body shop,.you're going to pay $500 just to get a bumper painted.
I can't do body work I have no painting ability.
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