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Is it legal for me to do this on my insurance claim?
I live in North Carolina and have Nationwide car insurance. I had a minor fender bender a few weeks ago. His car was estimated for 850 or so, mine was about the same. I am currently waiting on his to get fixed because if I go over 1800 dollars it will affect my insurance premium. What I am wondering is can I get the 850 dollars from the insurance company and then, if it there is more damage they didn't see in the estimate, pay that out of pocket so I don't go over? The guy that did the estimate claimed that would be a "fraudulent" act but my local Nationwide office said that they didn't 'think' it was. Just looking for a clear answer! Thanks!
4 Answers
- AnonymousLv 78 years agoFavorite Answer
You cannot get HIS $850. You won't get YOUR $850, because your deductible gets subtracted form that amount. But you sure can tell the body shop NOT to put in a supplemental claim, and pay the difference yourself.
- 8 years ago
Fraudulent would be if you claimed more than the damage resulting in unlawful enrichment. Paying the excess over the claimed amount out of pocket is not fraudulent.
- KiniLv 78 years ago
The insurance company will issue a check payable to you and the body shop for a specific amount. You have to pay your deductible first.
- 8 years ago
That's legal, why wouldn't it be? You're not lying about anything, so I have no idea where the guy got the idea that it was fraudulent from.
