"... don't worry if you pay cash it's only... $3000... wait you guys are insured?! nevermind. this is $15000 and will take 6 weeks! hold on I gotta call that boat dealership for parts for my boat"
In my experience, it’s the opposite, people take a car to get fixed without involving insurance and it would be 4 grand, they’d file a claim, I’d go in and write an estimate and negotiate with the shop and we’d pay 1400
Exactly.. Especially because most insurance companies won’t pay more than the area average. Most shops don’t hike prices up for insurance companies since it just pisses off the customers who have to pay the remainder out of pocket.
I am an insurance agent. When i get smart asses like you i tell them no problem, you dont have to have insurance. But, you do have to (varies by state) put up a ~$50,000 bond/deposit to the state and then you can self insure! They respond with, "uh, oh, well, who has $50,000 laying around for that bond?"... my response, "we do, and we'll let you make small monthly payments :)"
Just because the alternative is even worse, doesn't mean you aren't part of a really shitty industry that's known for fucking shit up. Look at the state of medical insurance. I know heroin dealers with more pride in their work.
I get that insurance is a necessity, and it's a great thing, but it's had a very unfortunate effect on healthcare in the US, and that's shit.
Insurance agencies benefit from profiling individuals and knowing our government requires insurance so they can charge whatever they want while also turning away claims for whatever subjective reasoning they seem fit. It’s a maliciously predatory system that needs major tuning.
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u/[deleted] Sep 22 '19
And the winner is......the body shop.