In previous series:
Bumper Scratch continued (part 2)
Bumper Scratch
24th of September 2014 car appraiser came to me to evaluate damage.
Below is his report.
It's so called "global" or "open" report when he just estimates repair cost based on visual inspection. Normally, he should estimate repair (draft report), approve which parts should be changed, workshop show fix the car and after that appraiser should correct report based on done work.
But "open" report is good for... if you decide not to fix the car, but you need some "paper" for insurance company. That is my case. Bumpers so attractive to asshole drivers and chance that it will be hit again raised by Murphy's law. But we need to get money from Ms. "Oh, I didn't Do That" driver.
Also I have to note that such report cost estimation based on repair cost I got from Honda dealership for replacing bumper. Basically, I went to Honda and asked how much it will cost to fix this consequences. Now it's not just
coloring the bumper and in prev case. Because both bumper components was affected (black part in the middle and outer bumper plastic), the only fix is to replace the whole thing now.
It says, 1,100 NIS for labor and 2,073+3,436 NIS for parts, plus add 18% VAT to it = 7,799 NIS in total.
So, back to report :-)
This report was sent to my insurance agent and he handle all the case until I got money back.
By the way, appraiser estimated it differently from Honda.
Labor: 950 NIS
Color: 700 NIS
Parts: 3,436 NIS - only outer bumper part.
Total: 5,086 NIS, with 18% VAT: 6,001 NIS
The explanation is like this. You can claim everything possible labor and parts. But, they can argue with you later. So he took golden middle based on his 20+ years experience and choose only this. And, as you will see later, they buy it exactly as we claimed, not less.
Depreciation was estimated as 0.5% of cars value at moment of accident (117,201 NIS) = 586 NIS.
10th of November I got papers from our advocate (he represents us vs their insurance), signed.
And first paycheck was issued 12th Nov 2014, 6 month after accident.
Hooray! Suck it, motherfuckers! I remind that they didn't want to acknowledge that they did this.
5,736 NIS = our 5,036 NIS (w/o VAT estimation) + 700 NIS for appraiser that I paid from my pocket.
The second paycheck was for depreciation. They said a paper asking me to sign that I agree for 450 NIS depreciation compensation instead of 586 NIS. Agent said worthless arguing and we agreed for their proposal.
So, bottom line of the story.
I got 6,186 NIS for that accident. I think that is good resolution for me, not perfect, but okay. Dashcam just done its job right and we made people pay for their mistake. I'm not sure if SHE will pay or her company will get insurance raise for a car. Hope it will be she... Can I dream? :-)
Get dashboard camera guys with parking mode. Not stupid cheapass dashcams from aliexpress but real one that records only if there was sensor buzz. And wish you to avoid such problems.
28,703 km | 1Y 7M
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