Quote:
|
Originally Posted by yotta
I actualy don't really care that it's a city. Again, what I care about is the point on my license, and resulting increased insurance rates. I just think that it could have been done for less if someone were motivated to get it done for less. My own inexperiance probably hurt me here, I should have called my insurance company right away (the cop that came out told me to wait until I got a bill), and come back out there later to document the damage. If I'd done that, then my insurance company might have gotten someone to do it cheaper. Suck. I suppose I know for next time :/
I'm still wondering if I'm totaly screwed. I'm going to talk with my insurance company again on Monday to see if there's any shit they can raise over it, but I don't really have my hopes up.
|
You may not care, but it actually matters. The city, as the owner of the property, has the right to do the repairs themselves and charge back your insurance company for the cost. As far as getting someone else to do it, it's the city's property and their damage. They have a contract with the union (most likely) to do the repairs. Even if they contracted it out to someone, that's still their perogative. Sorry, but you don't get any say in the matter. Ever.
Some states (including California) give points on your license if you cause damage above a certain amount. That's what's going on here.
If the insurance company is paying the claim, you're not screwed. You're only screwed if they're not. If that's the case, then we have to have a much different conversation, and I doubt you'll like what I'm going to tell you.