I think he's suggesting insurance fraud. Jack up the estimate for the insurance co. Then accept their payment and not charge the guy the $500 for his portion. It's against the law for you and them. And a place that would do that may very well do you dirty, too.
- bodiva88

You think they don't jack the price up to begin with?

Edit: No I am not suggesting fraud but in today's economy I don't see shops not willing to negotiate with people on the deductible. Especially when they are getting over 85% of the cash from the insurance company. First off they whack you on the cost of parts. Then they steam roll you on the labor. Either make 1000 bucks or make 0 because the customer can't pay all the deductible.

You think they don't jack the price up to begin with?
- JoeRussomanno

You know what I'm saying.

You think they don't jack the price up to begin with?

Edit: No I am not suggesting fraud but in today's economy I don't see shops not willing to negotiate with people on the deductible. Especially when they are getting over 85% of the cash from the insurance company. First off they whack you on the cost of parts. Then they steam roll you on the labor. Either make 1000 bucks or make 0 because the customer can't pay all the deductible.
- JoeRussomanno

That IS fraud.

You think they don't jack the price up to begin with?

Edit: No I am not suggesting fraud but in today's economy I don't see shops not willing to negotiate with people on the deductible. Especially when they are getting over 85% of the cash from the insurance company. First off they whack you on the cost of parts. Then they steam roll you on the labor. Either make 1000 bucks or make 0 because the customer can't pay all the deductible.
- JoeRussomanno

That's kind of a textbook example of fraud, though...I'd be all for it.

That IS fraud.
- bodiva88

Which part? Jacking up the cost of parts and labor? It happens anywhere you go it's how they operate. General Repair shops get parts at like half the cost then turn around and sell them to you for what the partstore charges. ANd the labor don't get me started, they will hit you for $100 an hour for the simplest stuff and it's legal. As for negotiating the cost of the deductible I don't see how that is fraud, the insurance company pays whatever they are going to pay. They have an idea what its going to cost. That deductible is completely up to you and the shop really.

That's kind of a textbook example of fraud, though...I'd be all for it.
- Jsaquella

I don't know anything about any money laundering.

Which part? Jacking up the cost of parts and labor? It happens anywhere you go it's how they operate. General Repair shops get parts at like half the cost then turn around and sell them to you for what the partstore charges. ANd the labor don't get me started, they will hit you for $100 an hour for the simplest stuff and it's legal. As for negotiating the cost of the deductible I don't see how that is fraud, the insurance company pays whatever they are going to pay. They have an idea what its going to cost. That deductible is completely up to you and the shop really.
- JoeRussomanno

If you tell the insurance company that it cost $1200, but the shop only charged you $900, it's fraud. With a $500 deductable, the cost to the insurance company on $1200 would be $700. On a $900 bill their cost is only $400

I don't know anything about any money laundering.
- wilsonecho91

No sir. That other suitcase that I forgot to bring back from the Grand Caymans was really filled with my old undies and socks

Which part? Jacking up the cost of parts and labor? It happens anywhere you go it's how they operate. General Repair shops get parts at like half the cost then turn around and sell them to you for what the partstore charges. ANd the labor don't get me started, they will hit you for $100 an hour for the simplest stuff and it's legal. As for negotiating the cost of the deductible I don't see how that is fraud, the insurance company pays whatever they are going to pay. They have an idea what its going to cost. That deductible is completely up to you and the shop really.
- JoeRussomanno

If the repair shop quotes $1200 and the Insurance Co pays $700 and the repair shop then charges you less than $500, that's insurance fraud. It's really very simple. It's inflating the price so the insurance company pays for more than its contracted share of the repair and the car owner plays less. I know it's done. I also know that if you happen to be caught doing it as a shop or benefiting from it as a car owner, you may find yourself a convicted felon.

http://www.ehow.com/about...urance-fraud-felony_.html

If you tell the insurance company that it cost $1200, but the shop only charged you $900, it's fraud. With a $500 deductable, the cost to the insurance company on $1200 would be $700. On a $900 bill their cost is only $400
- Jsaquella

No you're misunderstanding what I'm saying. The insurance company would pay the 700 but you would work it out with the shop on the 500 hundred. They are gonna make money believe me. I'm in no way suggesting ripping off the insurance company even though they do it to us every day

I don't know anything about any money laundering.
- wilsonecho91

If you get caught, I hear the worst they would ever do is they would put you for a couple of months into a white-collar, minimum-security resort.

No you're misunderstanding what I'm saying. The insurance company would pay the 700 but you would work it out with the shop on the 500 hundred. They are gonna make money believe me. I'm in no way suggesting ripping off the insurance company even though they do it to us every day
- JoeRussomanno

The thing is, you are ripping off the insurance company. Submitting them a bill for $1200, then negotiating it down to $900 or whatever, is fraud. Legally, if you did that, you'd have to repay the insurance company the difference.

No you're misunderstanding what I'm saying. The insurance company would pay the 700 but you would work it out with the shop on the 500 hundred. They are gonna make money believe me. I'm in no way suggesting ripping off the insurance company even though they do it to us every day
- JoeRussomanno

No. You're misunderstanding. You can't "work out the 500" without it being fraud.

If you get caught, I hear the worst they would ever do is they would put you for a couple of months into a white-collar, minimum-security resort.
- BulliesPhan87

And charge you restitution and a substantial fine.

If the repair shop quotes $1200 and the Insurance Co pays $700 and the repair shop then charges you less than $500, that's insurance fraud. It's really very simple. It's inflating the price so the insurance company pays for more than its contracted share of the repair and the car owner plays less. I know it's done. I also know that if you happen to be caught doing it as a shop or benefiting from it as a car owner, you may find yourself a convicted felon.

http://www.ehow.com/about...urance-fraud-felony_.html
- bodiva88

Nothing in that link describes what I'm talking about.

Nothing in that link describes what I'm talking about.
- JoeRussomanno

Which is fraud anyway you look at it.

The thing is, you are ripping off the insurance company. Submitting them a bill for $1200, then negotiating it down to $900 or whatever, is fraud. Legally, if you did that, you'd have to repay the insurance company the difference.
- Jsaquella

They are either going to deal with the shop directly themselves and or cut you a check for what they are willing to pay. I have never seen or heard of anyone getting into trouble for what I'm saying.

And charge you restitution and a substantial fine.
- bodiva88

In seriousness, I hear you loud and clear. I'm more of a fan of the "don't get in an accident in the first place" strategy, and not just because I'm a terrible liar.

If you get caught, I hear the worst they would ever do is they would put you for a couple of months into a white-collar, minimum-security resort.
- BulliesPhan87

You know, minimum security prison is no picnic. I had a client in there once. He said the trick is kick someone's ass the first day, or become somebody's female dog. Then everything will be all right

Which is fraud anyway you look at it.
- ob18

Allright go pay 500 bucks be my guest

The worst News about Meszaros ever!

You know, minimum security prison is no picnic. I had a client in there once. He said the trick is kick someone's ass the first day, or become somebody's female dog. Then everything will be all right


- Jsaquella

Actually I know as much about prison as the next person by trade. The best advice is mind your own business and if found in a compromising situation do not project weakness.

The worst News about Meszaros ever!
- roenick97

They are either going to deal with the shop directly themselves and or cut you a check for what they are willing to pay. I have never seen or heard of anyone getting into trouble for what I'm saying.
- JoeRussomanno

The thing is, they base what they're legally accountable to pay on the bill you give them.

The repair place gives you a bill, they don't bill the insurance company part of the bill and you the rest, they bill you. Insurance pays part of that bill and you are responsible for the rest...the thing is, if you negotiate the bill down, the insurance company is legally responsible for a smaller amount of money.

Your deductable is part of the agreement between you and the insurance company, not between you and the garage.

The worst News about Meszaros ever!
- roenick97

Lets spend the rest of the evening picking apart his game to make us feel better