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Hey guys I'm quite desperate for an answer for this situation I'm in. Long story short...I really screwed up and dented the side of the rear right door on a courtesy car. Paint doesn't seem to be too serious but the dent isn't exactly small. I stupidly did it on a huge pole in a parkade so it's just me and the pole. Anyways what I want to know is what happens now. Some questions off the top of my head are will they/can they charge me for the repair? And if they do decide to charge me am I allowed to bring it to another body shop that offers a cheaper rate for the repair? Note the courtesy car is from an auto body repair shop so obviously they are able to do the job themselves. Or are any of you very familiar with these types of insurance policies and can give me some inputs or suggestions?
And ya guys I ain't putting the blame on anyone else but me... I've never had any damage to my own car and the first time things like this happen is on a courtesy car...so I really don't know who to turn to except you guys. I did a quick search on google but can't seem to find an answer and certainly not within ICBC's policies.
from past experience with courtesy cars is your insurance policy goes on the to car. Most likely you will pay a deductible to fix the car through icbc or you might be able to pay the auto body shop and they will let it go. Talk to the body shop and see what end result will be.
if you just pay your deductible and not for the damage costs your insurance will go up if you go through icbc, your better off to pay for the full repair cost for the damage through the bodyshop.. See if they will do it without talking to ICBC
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If possible get the car fixed before returning it to the shop OR talk to the shop that loaned you the car and pay them to fix it.
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My AFC gave me an ABS CEL code of LOL while at WOT!
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Quote:
Originally Posted by bing
If possible get the car fixed before returning it to the shop
Negative.
Be honest, and talk to the original Body Shop regarding your accident and see what your options are from there. Don't try to get a shitty and shaddy shop to help you fix / hide the damage for labour at $20/hour and return the car thinking you'll get away with it. You're borrowing a courtesy car from an auto repair shop afterall...they can spot these damages and difference 10x better than you.
Do you have RoadStar on your insurance? Claims on your rental vehicle policy will not affect your claim-rated scale discount. So aka you can pay the "$300 deductible" and walk away without any further expense. Your next year's insurance rate will NOT go up, due to this accident with the courtesy car.
Be honest, and talk to the original Body Shop regarding your accident and see what your options are from there. Don't try to get a shitty and shaddy shop to help you fix / hide the damage for labour at $20/hour and return the car thinking you'll get away with it. You're borrowing a courtesy car from an auto repair shop afterall...they can spot these damages and difference 10x better than you.
Do you have RoadStar on your insurance? Claims on your rental vehicle policy will not affect your claim-rated scale discount. So aka you can pay the "$300 deductible" and walk away without any further expense. Your next year's insurance rate will NOT go up, due to this accident with the courtesy car.
Negative. A courtesy car is not a rental car.
As I understand it, a courtesy car, or ICBC's term is probably a "temporary" replacement vehicle, would be covered under the owner's policy. The owner's policy will transfer to the temporary replacement car for activities such as repairs or service.
Also, being at -43% doesn't mean the OP purchased the RoadStar package, or Roadside Plus package.
My AFC gave me an ABS CEL code of LOL while at WOT!
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Quote:
Originally Posted by TRDood
Negative. A courtesy car is not a rental car.
As I understand it, a courtesy car, or ICBC's term is probably a "temporary" replacement vehicle, would be covered under the owner's policy. The owner's policy will transfer to the temporary replacement car for activities such as repairs or service.
That would have to depend on OP's case then. For example, OpenRoad AutoBody use their in house Hertz to do all their "courtesy/rentals". Many smaller repair shop outsource to rental companies to provide customers with a car too. But again...there will also be some repair shop that have their own vehicles, and provide "courtesy cars" that is "temporary replacement" as you mentioned. It will really vary depending on OP's repair body shop.
Quote:
Originally Posted by Iceman-19
Am I the only one that finds this hilarious?
Yeah, you're the only one. Accidents can happen anytime and anywhere. Doesn't matter if its your own car, a courtesy car, a rental car, or George Bush's car. OP admitted to have stupidly dented the car's door and posted here to ask a legit question, while you....
What makes you think the body shop who loaned you the car will allow you to bring it to another shop to repair?
Just be honest and straight forward with the shop. If they are a reputable shop, they aren't going to screw you over because you had an accident. Just ask them how much it will cost for repairs. If the amount is out of your reach, then you can make a claim on it.
My AFC gave me an ABS CEL code of LOL while at WOT!
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Quote:
Originally Posted by Sky_High
Negative.
Be honest, and talk to the original Body Shop regarding your accident and see what your options are from there. Don't try to get a shitty and shaddy shop to help you fix / hide the damage for labour at $20/hour and return the car thinking you'll get away with it. You're borrowing a courtesy car from an auto repair shop afterall...they can spot these damages and difference 10x better than you.
Do you have RoadStar on your insurance? Claims on your rental vehicle policy will not affect your claim-rated scale discount. So aka you can pay the "$300 deductible" and walk away without any further expense. Your next year's insurance rate will NOT go up, due to this accident with the courtesy car.
Um... there is nothing wrong with getting the car properly fixed, its JUST A DENT. I did not say use touch up paint or use a shady shop. You assume WAY too much.
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Cars:
02' Lexus IS300 5spd
07' BMW 323iA
05' BMW Z4 5spd
06' BMW 330i 6spd
10' Audi A4 quattro
08' BMW M3 6spd
15' Kawasaki Ninja300
08' Yamaha R6
10' Honda Ridgeline
17' Audi Q5
16' BMW X5D
Thanks guys for the replies seems like I have to pay regardless (deductibles or out of my own pocket to fix it myself). Chances of them letting me off isn't high.
Quote:
Originally Posted by Truenosan
What makes you think the body shop who loaned you the car will allow you to bring it to another shop to repair?
Just be honest and straight forward with the shop. If they are a reputable shop, they aren't going to screw you over because you had an accident. Just ask them how much it will cost for repairs. If the amount is out of your reach, then you can make a claim on it.
And are you sure they won't allow me to take it to another body shop? I mean I can't insist this? I'm not saying the original body shop will rip me off but in case they DO come up with some absurd number I'm not allowed to take it to a cheaper (but doesn't mean shady) place to get it done?
Last edited by Tomu; 04-29-2012 at 04:15 PM.
Reason: quoting
My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Dec 2003
Location: vancouver, B.C.
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^you can bring it wherever you want, as long as it it FIXED, nobody will care. Truenosan is just inputting his own value and decision-making system on you because he thinks its somehow dishonest and wrong. The car's are LOANERS (not a luxury car) like a basic model corolla. Tons of customers scratch/dent it up all the time. Sometimes they don't even care to fix it and just charge the customer money and then fix it all at once. But in this case since its a dent they will have to fix it. You will have to pay regardless so if you have a hookup that can do a decent job, why not? I'd rather just get it fixed before I return it so the shop won't lose any down time with not being able to loan it to out to other customers and charge you extra for the inconvenience.
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Cars:
02' Lexus IS300 5spd
07' BMW 323iA
05' BMW Z4 5spd
06' BMW 330i 6spd
10' Audi A4 quattro
08' BMW M3 6spd
15' Kawasaki Ninja300
08' Yamaha R6
10' Honda Ridgeline
17' Audi Q5
16' BMW X5D
I'd rather just get it fixed before I return it so the shop won't lose any down time with not being able to loan it to out to other customers and charge you extra for the inconvenience.
Then you'll require another courtesy car.
This shiet happens all the time...they'll work something out with you because they want your business again.
Just be honest when you return the car...they should be charging you close to cost.
^you can bring it wherever you want, as long as it it FIXED, nobody will care. Truenosan is just inputting his own value and decision-making system on you because he thinks its somehow dishonest and wrong. The car's are LOANERS (not a luxury car) like a basic model corolla. Tons of customers scratch/dent it up all the time. Sometimes they don't even care to fix it and just charge the customer money and then fix it all at once. But in this case since its a dent they will have to fix it. You will have to pay regardless so if you have a hookup that can do a decent job, why not? I'd rather just get it fixed before I return it so the shop won't lose any down time with not being able to loan it to out to other customers and charge you extra for the inconvenience.
I'm just basing this on what actually has happened to me. I'm not saying the shop is dishonest and will charge an arm and a leg. Just let the shop know what happened. If someone got into an accident, and just decided to get it fixed without me knowing, I'd be quite upset as I would figure out when I check the car back in. I've had many customers damage my courtesy cars, and it really isn't a big deal.
Like I mentioned earlier, providing the shop you went to are good guys and all, I'm sure they would work something out with you.
My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Dec 2003
Location: vancouver, B.C.
Posts: 1,843
Thanked 563 Times in 229 Posts
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Quote:
Originally Posted by Truenosan
I'm just basing this on what actually has happened to me. I'm not saying the shop is dishonest and will charge an arm and a leg. Just let the shop know what happened. If someone got into an accident, and just decided to get it fixed without me knowing, I'd be quite upset as I would figure out when I check the car back in. I've had many customers damage my courtesy cars, and it really isn't a big deal.
Like I mentioned earlier, providing the shop you went to are good guys and all, I'm sure they would work something out with you.
Fair enough. I just wanted to give this guy some options because it seems like he's concerned he'll be paying out the ass. Its not a complicated fix to begin with which is why I was suggesting its OK since they are loaners that are beat on to begin with. Most loaners I have received in the past had some previous damage to it.
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Cars:
02' Lexus IS300 5spd
07' BMW 323iA
05' BMW Z4 5spd
06' BMW 330i 6spd
10' Audi A4 quattro
08' BMW M3 6spd
15' Kawasaki Ninja300
08' Yamaha R6
10' Honda Ridgeline
17' Audi Q5
16' BMW X5D
This shiet happens all the time...they'll work something out with you because they want your business again.
Just be honest when you return the car...they should be charging you close to cost.
Courtesy car for smackin' up the courtesy car... ha ha ha!!
Pure win.
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