Red flags? Comprehensive claim question.

[Anonymous]

Sustained some minor damage, took car to collision place and got an estimate. Estimate was $1500, but my deductible is only $100, so I decided to make a claim. Insurance adjuster came out and looked at the damage. Insurance and collision shop went back and forth and came to some agreement. Car went in, work was done. It’s ready to be picked up, but they informed me they need me to sign the check from the insurance company, because they wrote it out to me.

Red flag?

I ask because I never saw the itemized estimate between the insurance company and the shop. I’m sure they’re hoping I just sign the check and am done with it. But it’s raising red flags. What if the check was more than the work? Isn’t that fraud? Should I ask for the itemization before I sign? And what do I do if it is less?

How should I handle this? Or should I just pay my $100 and wash my hands of it?

[Anonymous]

That’s normal.

[Anonymous]

Normal

[Anonymous]

It’s normal. However, you were silly to do a claim for $1500.

[Anonymous]

Anonymous wrote:It’s normal. However, you were silly to do a claim for $1500.

Probably not, but we just had a string of bad luck and chose not to take the hit financially at this time. It’s a comprehensive claim and we will deal with whatever marginal increase we may or may not take on our insurance. Thanks for your input.