Reply
Go Back   TexasBowhunter.com Community Discussion Forums > Topics > Around the Campfire
 
Thread Tools Display Modes
Old 05-01-2021, 12:00 PM   #1
tpack
Ten Point
 
tpack's Avatar
 
Join Date: Jul 2009
Location: Stephenville
Hunt In: Erath
Default Insurance claim/Hail

I got hail damage to my dodge truck. It has been paid off for years. Germania insurance want to make my check out to me and the body shop I am getting it repaired at. I want the check made out to only me since there is not lean holder and I can get it repaired when and where I want to.

Do I have a choice or is there some requirement / law that says they have to make it out to me and the body shop.
tpack is offline   Reply With Quote Back To The Top
Old 05-01-2021, 12:09 PM   #2
kdkulhanek
Ten Point
 
kdkulhanek's Avatar
 
Join Date: Oct 2009
Location: CEDAR PARK
Hunt In: PUBLIC
Default

I believe you will have to check your coverage through Germania, I have State farm and with my comprehensive coverage I can take my vehicle to any shop of my choosing.
kdkulhanek is offline   Reply With Quote Back To The Top
Old 05-01-2021, 12:14 PM   #3
ken800
Eight Point
 
Join Date: Nov 2019
Location: Liberty Hill
Hunt In: Lampasas
Default

If you own it free and clear they have to make the check out to you, personally, if that's what you want. Any other "co-payee" is forcing you to do that and Texas law doesn't allow them to do that.
ken800 is offline   Reply With Quote Back To The Top
Old 05-01-2021, 12:43 PM   #4
Johnny Dangerr
Pope & Young
 
Johnny Dangerr's Avatar
 
Join Date: Dec 2009
Location: Houston
Hunt In: Killing Stuff These Days
Default

Texas law. Can not make you go any anywhere. The ins. Companies try to skirt the law all the time.................
Johnny Dangerr is offline   Reply With Quote Back To The Top
Old 05-01-2021, 12:48 PM   #5
flywise
Pope & Young
 
flywise's Avatar
 
Join Date: Oct 2006
Location: Tx
Hunt In: Blanco, Nacadoches,NewMexico,Colorado
Default

Tell them you changed your mind and no longer plan to use the shop you already told them you planned to use and request the check made out to you only
flywise is offline   Reply With Quote Back To The Top
Old 05-01-2021, 01:02 PM   #6
P.J.
Eight Point
 
P.J.'s Avatar
 
Join Date: Oct 2006
Location: Conroe/Montgomery, TX
Default

Going through hail damage claim with State Farm. They asked if I wanted check sent to me or body shop, not both. Insurance will always under estimate & body shop will have to ask for supplement to get more $ from insurance to cover the work. Not sure about your insurance but State Farm is not doing any in person estimates/adjustments so that affects their ability to estimate. Going to be hard for them to see all the hail damage in just a few photos.
P.J. is offline   Reply With Quote Back To The Top
Old 05-01-2021, 01:02 PM   #7
airehead
Pope & Young
 
airehead's Avatar
 
Join Date: Aug 2007
Location: Round Rock / Cedarpark
Hunt In: Coryell County
Default

I would tell them that you are the registered owner no money is owed on it the body shop has absolutely no tie to your truck so make the check out to the registered owner there’s no law/rule stating that they have to do that they just do it
airehead is offline   Reply With Quote Back To The Top
Old 05-01-2021, 01:26 PM   #8
tpack
Ten Point
 
tpack's Avatar
 
Join Date: Jul 2009
Location: Stephenville
Hunt In: Erath
Default

They wanted a copy of the title. They said they would send the check to me "Directly" after receiving the clear title. Then after I faxed a copy of the clear title(since2006) they said it would be issued to me and the body shop. I also told them I wanted a report of what the adjuster said needed to be repaired. Still waiting for a response from them on that as well.
tpack is offline   Reply With Quote Back To The Top
Old 05-01-2021, 01:42 PM   #9
Laner7
Eight Point
 
Laner7's Avatar
 
Join Date: Aug 2015
Location: Upton county
Default

I also have germania. I tried getting them to write me a check personally as well so I can take it where I want, but they wouldnít. I got quotes at different body shops and then germania wrote the check for the estimate. If it was more than they wrote another check for it.
Laner7 is offline   Reply With Quote Back To The Top
Old 05-01-2021, 02:24 PM   #10
deerslayer64d
Ten Point
 
deerslayer64d's Avatar
 
Join Date: Oct 2006
Location: springbranch TX
Default

I just dealt with this on a claim, the other drivers insurance would only make repair check out to me and the repair shop not just me or repair shop , I had no problem with it as I wanted my truck repaired


Sent from my iPhone using Tapatalk
deerslayer64d is offline   Reply With Quote Back To The Top
Old 05-01-2021, 02:39 PM   #11
RLB
Pope & Young
 
RLB's Avatar
 
Join Date: Sep 2009
Location: Spring Branch / Bulverde, Texas
Hunt In: Comal County
Default

Make them take off the name of the repair shop....its your truck, not theirs. You could take that money and go to Disney if you wanted, it’s none of their business.
RLB is online now   Reply With Quote Back To The Top
Old 05-01-2021, 03:00 PM   #12
Etxbuckman
Pope & Young
 
Join Date: Aug 2011
Location: Spring
Default

An insurance contract is there to return your property to pre-loss condition. By law you’re not supposed to be able to profit from a claim so they’re probably just wanting to make sure you’re using the money for the repairs.
Etxbuckman is offline   Reply With Quote Back To The Top
Old 05-01-2021, 03:28 PM   #13
tpack
Ten Point
 
tpack's Avatar
 
Join Date: Jul 2009
Location: Stephenville
Hunt In: Erath
Default

Quote:
Originally Posted by Etxbuckman View Post
An insurance contract is there to return your property to pre-loss condition. By law youíre not supposed to be able to profit from a claim so theyíre probably just wanting to make sure youíre using the money for the repairs.
I have had hail damages several times over the years on homes, campers, and vehicles with other companies. None of them had lien holders and all had clear titles. I have always been issued checks made out to me "only" in the past. If they insist on going this route, I will go ahead and have it repaired and cancel my insurance with them after I return my free rental car that they provide while my truck is in the shop. Then they will never have a chance to recover any of their money paid on the claim($6800) with future premiums. This is also the first time I have ever filed a claim with them of any kind.
tpack is offline   Reply With Quote Back To The Top
Old 05-02-2021, 07:34 AM   #14
hchntr
Ten Point
 
hchntr's Avatar
 
Join Date: Feb 2011
Location: League City
Hunt In: Llano County
Default

What if you wanted to perform the repairs yourself instead of using a body shop?


Sent from my iPhone using Tapatalk
hchntr is offline   Reply With Quote Back To The Top
Old 05-02-2021, 07:39 AM   #15
BowSlayer
Pope & Young
 
BowSlayer's Avatar
 
Join Date: Aug 2011
Location: Troup
Hunt In: Smith County, Stephens County
Default

I had a hail claim through geico. Took the vehicle to their approved shop for an estimate and left the same day with a check since there was no lien. I never fixed the vehicle.
BowSlayer is offline   Reply With Quote Back To The Top
Old 05-02-2021, 12:32 PM   #16
sailor
Pope & Young
 
sailor's Avatar
 
Join Date: Jun 2008
Location: Texas
Hunt In: Texas
Default

Quote:
Originally Posted by kdkulhanek View Post
I believe you will have to check your coverage through Germania, I have State farm and with my comprehensive coverage I can take my vehicle to any shop of my choosing.
Taking it, to any shop is not the question........
The question is......Will S.F. approve your claim......
(you know... give you back, some of your money)

Quote:
Originally Posted by Johnny Dangerr View Post
Texas law. Can not make you go any anywhere. The ins. Companies try to skirt the law all the time.................
Yea, and that's a short skirt too...........
I ain't saying, ins companies break the law...............
But, they ain't in business, to lose money either.................
sailor is offline   Reply With Quote Back To The Top
Old 05-02-2021, 12:36 PM   #17
flywise
Pope & Young
 
flywise's Avatar
 
Join Date: Oct 2006
Location: Tx
Hunt In: Blanco, Nacadoches,NewMexico,Colorado
Default

In this instance, no one told the OP where he had to take the vehicle.
And Germania would not tell a customer where to take a vehicle or who to use for any claim
flywise is offline   Reply With Quote Back To The Top
Old 05-02-2021, 02:29 PM   #18
Atfulldraw
Pope & Young
 
Atfulldraw's Avatar
 
Join Date: Oct 2006
Location: Hill Country
Hunt In: a high fence, southwest of DFW, Colorado
Default

Quote:
Originally Posted by Etxbuckman View Post
An insurance contract is there to return your property to pre-loss condition. By law youíre not supposed to be able to profit from a claim so theyíre probably just wanting to make sure youíre using the money for the repairs.


can you point me to this "law" ?

Seems like it would be written down somewhere, right?
Atfulldraw is offline   Reply With Quote Back To The Top
Old 05-02-2021, 02:39 PM   #19
tpack
Ten Point
 
tpack's Avatar
 
Join Date: Jul 2009
Location: Stephenville
Hunt In: Erath
Default

Quote:
Originally Posted by flywise View Post
In this instance, no one told the OP where he had to take the vehicle.
And Germania would not tell a customer where to take a vehicle or who to use for any claim
You are correct . They did not tell me where to take it, only recommended their preferred shops. Said I could use who I wanted also. Told me they would send the check made out to me and shop I was using. I asked for it to be made out only to me since it had been paid off since 2006 and did not know what shop I would be using for repair since I haven`t gotten estimates. Then they wanted a copy of clear title, so they could send the check to me directly. After giving them the information they asked for they replied "Thank you, I have it uploaded to the claim and have requested payment to be issued to you and the shop". So , now I am just waiting to see if they send the check or not since I made it clear to them(HER) that I had no idea what body shop I would use.
tpack is offline   Reply With Quote Back To The Top
Old 05-02-2021, 03:43 PM   #20
flywise
Pope & Young
 
flywise's Avatar
 
Join Date: Oct 2006
Location: Tx
Hunt In: Blanco, Nacadoches,NewMexico,Colorado
Default

Quote:
Originally Posted by tpack View Post
You are correct . They did not tell me where to take it, only recommended their preferred shops. Said I could use who I wanted also. Told me they would send the check made out to me and shop I was using. I asked for it to be made out only to me since it had been paid off since 2006 and did not know what shop I would be using for repair since I haven`t gotten estimates. Then they wanted a copy of clear title, so they could send the check to me directly. After giving them the information they asked for they replied "Thank you, I have it uploaded to the claim and have requested payment to be issued to you and the shop". So , now I am just waiting to see if they send the check or not since I made it clear to them(HER) that I had no idea what body shop I would use.
Is your agent working with you or are you talking directlY to claims department?
flywise is offline   Reply With Quote Back To The Top
Old 05-02-2021, 04:19 PM   #21
tpack
Ten Point
 
tpack's Avatar
 
Join Date: Jul 2009
Location: Stephenville
Hunt In: Erath
Default

Quote:
Originally Posted by flywise View Post
Is your agent working with you or are you talking directlY to claims department?
I am talking to a claims adjuster. I was emailed late Friday(6:00PM) about my title and I sent it Saturday a.m. We emailed back and forth until until I finally asked if they were going to send my check or not and I asked for a copy of the estimate report, which I got no response to. I plan on waiting a few days to see what comes in the mail and then I may get my agent involved. Hopefully I will get a check issued to me and I can my truck repaired.
tpack is offline   Reply With Quote Back To The Top
Old 05-02-2021, 04:38 PM   #22
Johnny Dangerr
Pope & Young
 
Johnny Dangerr's Avatar
 
Join Date: Dec 2009
Location: Houston
Hunt In: Killing Stuff These Days
Default

Quote:
Originally Posted by tpack View Post
I am talking to a claims adjuster. I was emailed late Friday(6:00PM) about my title and I sent it Saturday a.m. We emailed back and forth until until I finally asked if they were going to send my check or not and I asked for a copy of the estimate report, which I got no response to. I plan on waiting a few days to see what comes in the mail and then I may get my agent involved. Hopefully I will get a check issued to me and I can my truck repaired.
Last month I changed agents to a bigger agency one mile down the freeway so I can easily walk in and twist my agents ear when needed............
Johnny Dangerr is offline   Reply With Quote Back To The Top
Old 05-02-2021, 06:54 PM   #23
flywise
Pope & Young
 
flywise's Avatar
 
Join Date: Oct 2006
Location: Tx
Hunt In: Blanco, Nacadoches,NewMexico,Colorado
Default

You should be on the phone or in the office of your agent tomorrow. That’s what you pay them for. Our local agent goes to bat for his clients regularly. Most Germania agents I’ve met are very good resource and advocate for you when dealing with the home office
flywise is offline   Reply With Quote Back To The Top
Old 05-03-2021, 08:34 AM   #24
RifleBowPistol
Ten Point
 
RifleBowPistol's Avatar
 
Join Date: Oct 2017
Default

If there is no lien holder, you should be able to get the check made out to just you. I am surprised they did not do that right off.

Just send them the check back and request one, with only your name.

Last edited by RifleBowPistol; 05-03-2021 at 08:38 AM.
RifleBowPistol is offline   Reply With Quote Back To The Top
Old 05-03-2021, 09:29 AM   #25
gingib
Pope & Young
 
Join Date: Aug 2014
Location: Central Tx
Hunt In: NTX
Default

Quote:
Originally Posted by RLB View Post
Make them take off the name of the repair shop....its your truck, not theirs. You could take that money and go to Disney if you wanted, itís none of their business.
x2
gingib is offline   Reply With Quote Back To The Top
Old 05-03-2021, 10:17 AM   #26
tpack
Ten Point
 
tpack's Avatar
 
Join Date: Jul 2009
Location: Stephenville
Hunt In: Erath
Default

I am pretty sure I pi$$ed off the female claims adjuster Saturday, when I asked if she was going to mail the check or not , because she had not made it clear in her response to my email to her and I also wanted a copy of the repairs that were in the estimate . She did not reply to me after asking her that.

I am just waiting to see what shows up in the mail this week before doing anything else. I logged into my Germania account today and it shows the claim for my truck hail repair as "Closed" and Claim Losses Paid as of 5-1-21. I am betting that it will be made out to me only since I have emails stating that I didn`t know who I was going to use. If not, I`ll have to take it to another level.
tpack is offline   Reply With Quote Back To The Top
Old 05-03-2021, 10:19 AM   #27
gingib
Pope & Young
 
Join Date: Aug 2014
Location: Central Tx
Hunt In: NTX
Default

Quote:
Originally Posted by tpack View Post
I am pretty sure I pi$$ed off the female claims adjuster Saturday, when I asked if she was going to mail the check or not , because she had not made it clear in her response to my email to her and I also wanted a copy of the repairs that were in the estimate . She did not reply to me after asking her that.

I am just waiting to see what shows up in the mail this week before doing anything else. I logged into my Germania account today and it shows the claim for my truck hail repair as "Closed" and Claim Losses Paid as of 5-1-21. I am betting that it will be made out to me only since I have emails stating that I didn`t know who I was going to use. If not, I`ll have to take it to another level.
You were too nice in the first place. Demand it now and not on their time.

It is business, not here to make friends. They need to do whats right
gingib is offline   Reply With Quote Back To The Top
Old 05-03-2021, 02:38 PM   #28
Hillwhacker
Eight Point
 
Hillwhacker's Avatar
 
Join Date: Oct 2006
Location: Cypress, Texas
Hunt In: Baylor County
Default

So what happens when you do go get it fixed and shop says it’ll be 1500 or 2000 more than the check you demanded? Your case is closed if they are paying you direct, isn’t it? If they go thru the shop, the case is still pending until the shop completes the repairs and anything not originally on the estimate once identified gets added on. I’m afraid if you demand payment you may loose this benefit, not sure.
Hillwhacker is offline   Reply With Quote Back To The Top
Old 05-03-2021, 03:15 PM   #29
WyoBull
Ten Point
 
WyoBull's Avatar
 
Join Date: Nov 2006
Location: Wyoming
Hunt In: Wyoming
Default

I have had that happen two times with hail over the years where the insurance company cut the check to me and the repair facility. My vehicles were paid for and the second time around I pressed them pretty hard about just cutting the check to me.

Their response was they wanted to make sure the vehicle actually got fixed and that the insured did not just pocket the money to use on something else.
WyoBull is offline   Reply With Quote Back To The Top
Old 05-03-2021, 03:29 PM   #30
BrianL
Pope & Young
 
BrianL's Avatar
 
Join Date: Oct 2006
Location: Paris
Hunt In: Lamar and Dickens
Default

https://www.tdi.texas.gov/pubs/consumer/cb020.html

After I file my claim, what happens?
Texas law sets deadlines for insurance companies to act after you file a claim. A company must:

Tell you it got your claim within 15 days of getting notice. The company may ask you for a signed proof-of-loss form or for more information. The company may also ask you to have a medical exam.

Have an adjuster look at your damage. The adjuster will estimate the cost of repairs. The company will base its payment on the adjuster’s estimate. If the damage turns out to be worse than the adjuster originally thought, you or the repair shop can talk to the adjuster about raising the estimate. If you can drive your car, the company might ask you to take your car to one of its claim centers so an adjuster can look at it. Some companies might ask you to get your own estimates and provide them to the company.

Accept or reject your claim within 15 business days of getting all the information it needs from you. A company that needs more time can take 45 days to decide whether to pay your claim. It must tell you the reason for the delay. If it denies your claim, it must tell you why in writing.

Send you a check within five business days after it agrees to pay your claim.

The prompt payment law doesn’t apply if another driver’s insurance company is paying the claim. But the company must act in good faith and try to settle your claim quickly and fairly.
BrianL is offline   Reply With Quote Back To The Top
Old 05-03-2021, 03:34 PM   #31
DUKFVR
Pope & Young
 
DUKFVR's Avatar
 
Join Date: Apr 2011
Location: Sorry Azz Houston
Hunt In: Young County & Anywhere A Duck Flies!
Default

Dealing with hail damage right now on a truck. Check sent to me in my name only.
DUKFVR is offline   Reply With Quote Back To The Top
Old 05-03-2021, 04:12 PM   #32
tpack
Ten Point
 
tpack's Avatar
 
Join Date: Jul 2009
Location: Stephenville
Hunt In: Erath
Default

Quote:
Originally Posted by Hillwhacker View Post
So what happens when you do go get it fixed and shop says itíll be 1500 or 2000 more than the check you demanded? Your case is closed if they are paying you direct, isnít it? If they go thru the shop, the case is still pending until the shop completes the repairs and anything not originally on the estimate once identified gets added on. Iím afraid if you demand payment you may loose this benefit, not sure.
I asked this question when I spoke to them last week.. I was told they had a place on their website for the body shop to amend the estimate if it were to cost more than their estimate.
tpack is offline   Reply With Quote Back To The Top
Old 05-03-2021, 08:09 PM   #33
Atfulldraw
Pope & Young
 
Atfulldraw's Avatar
 
Join Date: Oct 2006
Location: Hill Country
Hunt In: a high fence, southwest of DFW, Colorado
Default

Quote:
Originally Posted by tpack View Post
I asked this question when I spoke to them last week.. I was told they had a place on their website for the body shop to amend the estimate if it were to cost more than their estimate.
Yeah....if

Itís going to be more than their inadequate estimate.

Itís almost like itís on purpose.
Atfulldraw is offline   Reply With Quote Back To The Top
Old 05-03-2021, 08:27 PM   #34
doghouse
Pope & Young
 
doghouse's Avatar
 
Join Date: Jan 2008
Location: Goldthwaite
Hunt In: Mills County
Default

Don't think for a minute the adjuster is on your side. The insurance company is paying him. JMO!!
doghouse is offline   Reply With Quote Back To The Top
Old 05-12-2021, 09:34 AM   #35
tpack
Ten Point
 
tpack's Avatar
 
Join Date: Jul 2009
Location: Stephenville
Hunt In: Erath
Default

Quote:
Originally Posted by tpack View Post
I am just waiting to see what shows up in the mail this week before doing anything else. I logged into my Germania account today and it shows the claim for my truck hail repair as "Closed" and Claim Losses Paid as of 5-1-21. I am betting that it will be made out to me only since I have emails stating that I didn`t know who I was going to use. If not, I`ll have to take it to another level.
Well I have closure. I did receive a check last week made out to me "only" from Germania like I thought I would. They sent a copy of the repair estimate from the adjuster as well. I still don`t know why they were so persistent about who it was made out to(me and body shop) after sending a copy of the clear title to them. Unnecessary aggravation I guess.
tpack is offline   Reply With Quote Back To The Top
Old 05-12-2021, 09:42 AM   #36
Graysonhogs
Pope & Young
 
Graysonhogs's Avatar
 
Join Date: Jan 2012
Location: Savoy, Texas
Hunt In: Fannin/Grayson/Erath
Default

Quote:
Originally Posted by flywise View Post
You should be on the phone or in the office of your agent tomorrow. Thatís what you pay them for. Our local agent goes to bat for his clients regularly. Most Germania agents Iíve met are very good resource and advocate for you when dealing with the home office
Yep. I have never had to do more than tell my agent what's up and they take it from there.
Graysonhogs is offline   Reply With Quote Back To The Top
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -5. The time now is 12:04 AM.


Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2021, vBulletin Solutions Inc.
Copyright 1999-2012, TexasBowhunter.com