AFAccord
Well-Known Member
With any good insurance agency, it DOES work that way. Insurance agents are just salesmen on commission. They are allowed a certain amount to 'give' you depending on the vehicle and your insurance plan. They make the most money on total losses. In this guy's case, they might be allowed $6,000 to replace the car. They might downplay the value of the car, and offer him $4,500 for the car, then use their hook-up at the body shop to fix it for $1000, and sell it at auction for $6500, with a 'clean' title because repair costs were too low to claim it as a total or salvage. That ****er just made an easy grand. Obviously that's the simplified version, but that's how it works. I've been through it twice myself.
An honest one will do what's best for you (ie. give you a check to repair something within reason). A scheming agent will low ball you until you break and take the offer.
