Insurance Claims Check
 

Hi Everyone, so recently someone hit my car door while it was parked somewhere. I didn't get a plate or anything because I didn't see it. I contacted my insurance company, Nationwide, and they said that I have to take it to a shop, get it fixed, and pay the shop $500 (my deductible). Then Nationwide will send them a check for the rest.

Since I'm both broke and a cheapskate, i'd rather get this fixed via paintless dent repair, but if possible i'd like to go through insurance to get some cash. So.. anyone know if there's a way that Nationwide will just send me a check for the estimate (minus my deductible) at an actual body shop without me getting the repair done there?

TL DR: How do I get a check through Nationwide insurance for a hit-run, and not actually get the damage fixed at the place that gave me the estimate?

probably shouldnt be asking about insurance fraud on the forums

I had some comprehension stuff on my car through all state, I went to one of their centers to get the damage appraised and they cut me a check.

I could have done whatever I wanted with the check. I'm guessing thats what you want

You can probably just ask them for a check for the value of appraisal and tell them you aren't going to fix it right now, you're fixing it yourself, or whatever.

Don't really think that is insurance fraud. You should be entitled to the value of replacement/repair; that's what you're paying for.

If you have a lien on the car, you can have the check made out one of two ways: to you and the shop doing the repairs, or to you and the bank that holds the lien. If you own the vehicle free and clear, then you can request them send the check directly to you. They want you to go to one of their recommended shops because that shop will give them a discount, and they won't have to send their own adjuster out to look at your car. If they make the check out directly to you, you don't have to get the car fixed, it's your money. But if PDR will fix it, you prolly don't have $500 worth of damage anyhow...

So you want to defraud Nationwide?

cool story, bro.

I guess you didn't get enough money from Grandma for Christmas?

If its fraud, obviously I wouldn't do it. Just checking to see what others think. If it's shady, then i'm not gonna do it. Thanks for the help.

and @Mizzle, no, i don't get money from my parents. FYI i bought my dad a laptop and gave my mom 300 bucks for xmas. I work my ass off and buy shit for everyone else. If it wasn't Christmas, I'd pay that 500 deductible right now. U mad cuz your grandma didn't give you enough?

So this guy pays thousands of dollars per year for his insurance coverage, and now that he wants to take advantage of that you faggots call it fraud?


if anyone is a fraud it's the insurance companies, get your fucking cash if you can.

Thousands?

I pay $900/year for full coverage with a $1,000 deductible lol.

It would likely be less if people didn't try to screw insurance companies out of money all the time because they're "owed," something from them.



Anyways, you're obviously trying to defraud them so get off your high horse.

I should rob Chase bank, because I'm paying them thousands in interest for my car loan...sounds about right...

your analogy fails. car loans are not mandatory, auto insurance is.

it was just a question. i didn't know it was unethical or even considered fraud. i'll prob just end up looking for a PDR place or shell out the 500 later.

our logic is on the same plane, cupcake.