I'm just not sure if thats your RIGHT or if they are just usually cool with letting you do that.

 

Next time wait til you get the money first lol

 

make a fake bill on excel and go to jail for $184

 

Tell them you do not have a bill because you fixed it yourself. Explain that the cost was roughly what the estimate was, and that is the only documentation you have. Throw in a, "I dont' think my insurance company should penalize me for being mechanically inclined."

No lies (just an exaggeration h: ), no false documents, no fraud. If they don't suck, they'll pay you your $184.5... if they do suck, tell them, "up yours, I'm switching companies."

 

Just tell them you'll take the 184.xx as a settlement, or just leave the file open on her insurance.

 

Two things here:

1.Dont fib. It's fraud. You can tell her you fixed it yourself, and they will typically reimburse parts, plus pay you for your time (usually 10-15 per hr). They did this for me once when i had to reinstall my stereo after a bungled car burglary. I bought the gear and they paid me back, then paid me 80 bucks to put it in myself.

2.Insurance companies have a threshold where they just cut checks,usually it is $500. Meaning, if the damages are less than $500, they just cut a check, usually based on your word, or parts receipts-whatever. It is a waste of their time to even argue-they dont care.

P.S.- if they have an accident, such as yours, where their insured was at fault against a motorcycle-and it only costs them $184 bucks to be done with it, then that is a DREAM. That is the BEST DAY that adjustor will have all year. Usually, motorcycle claims are horrific, expensive, and often litigious claims that cost thousands upon thousands of dollars, residual medical, all sorts of stuff. Insurance companies sell motorcycle insurance cuz they have to, there's no money in it. Its a nightmare, you never recover your losses. I digrees. Anything motorcycle related they can clean up for a few hundred bucks is incredible and they will jump at the chance


I sold the stuff for a while

 

You must of sold for a crappy company then, I work for GEICO, and our powersports (motorcycle,atv,boat,etc) insurance really does make alot of money. The cost of motorcycle premium vs the actual payout and frequency of the payouts are in the insurance companies favor, and as bad as it sounds, you have a serius wreck that cost alot your either going to pay more for you insurance, or be dropped all together.
Now to the original poster, ITS NOT WORTH IT! I read about something along these exact lines every week, some insured thinks he can make a few quick bucks through the insurance company. Well got news for you, if your insruance is through any of the top 5 companies, State Farm, Allstate, Nationwide, Pregressive, GEICO then they have an entire team of people whos job it is to do nothing but verify receipts, invoices, and they raise the flag it will be investigated so completly, that there is no way to get away with it. The worst part is insurance fraud is a FELONY, doesnt matter if its for 100 bucks or 1000 your still gonna be convicted with a felony, have to pay the insurance company back, lose policy, and probably have to get insurance through the state because no one wants that risk to insure. So yea think about that

 

its 190 bucks ... personally i wouldn't even claim that. it's not worth it, by the time the deductible comes into account you get what? 50 bucks? and you have a claim on your policy

 

He's the injured party, it's against the driver of the car's insurance.

 

and in typical GEICO fashion- they will price the non profitable/loss prone right out of interest, in order to protect the profit; as your own post proved-it really isnt a profitable class of business if they dont ditch their insureds at a certain rate, then it does, in fact become a loss. It is not a winning bid.

You may ask-well how do they do this, since it is illegal to raise a customer's rates to recoup funds lost on a claim? Well, you create a company that is really several companies in one-so certain customers fit into different "parts" of the same company, based on certain criteria. So, lets say you get a claim with GEICO-well, upon renewal, your rates go up. Isnt that illegal? Yes. Wait, what's this? The fine print says i now am insured with a different company, doing business as GEICO. So, I no longer qualified for the company is was in (which had great rates) because of a claim, now I am with a different company, which is also GEICO, but not the same GEICO i was just in, which has higher rates. So, my rate went up, but only because i am now with a "different" GEICO-it's enough to make your headspin.


Also, comparing a general "power sports" segment doesnt work, as ATV/Boats are frequently actually covered under a homeowners policy...

My guess is you work in customer service, claims filing/data entry or something like that, all opinions aside, the loss threshold is $500, and they dont waste all those fraud auditors' time investigating a few hundred bucks. Also, there isnt a claims adjuster in the business that wouldnt love to see an at-fault, car vs motorcycle claim disappear for $184. Remember what the bottom of the check says..."full and final payment"

if you arent at fault, there's no deductible, the at fault insurer pays