Surely you can see the difference between ..."Based on nothing verifiable, I think you've overestimated the flood risk in my area"
And
"Based on fact, the repairer has charged you £200 for painting a non painted bumper, this is a bogus charge"
Thy haven't charged them anything... it's an estimate (as I've said numerous times and you ignored numerous times)
The insurers then informed OH they will deal directly with the Honda Dealership.... so the other parties insurers politely took her out of the equation.
Your whole premise seems to be that this is data driven ... the data the insurers have is a estimate for a paint job of a unpainted bumper ...
So the format of this conversation seems unclear to me....
"Oh hello I just wanted to tell you that the invoice you have includes repainting and the bumper isn't painted..."
"Yes, thank you .. is there anything we don't already know we can help you with"
You really think an insurer is going to look at a quote, think "oh, they're specified paint, I wonder if it actually needs painting?" and look up whether a car's bumper is painted or not in their Bumper Book of Automotive Trim Levels?
I'd have thought that it's a standard item on this sort of quote. Fitted a new bumper = needs painting. When the repair is undertaken they'll realised it's not necessary and the final invoice will be lower than the quote. Or that the damage is more extensive than first thought and the invoice is higher. That's how quotes work, it's an estimate.
Oh, and on the subject of DIYing / not fixing the bumper, consider:
You have an accident, the crumple zones in the bumper deform / break as they are designed to to. You ignore it, then the next accident you have the bumper does absolutely nothing whatsoever and you're on a "what pliers for extracting a steering column from my kneecaps" thread.
Your whole premise seems to be that this is data driven ...
And yours seems to be moaning about something happening, but doing nothing to stop it happening.
You just want to keep imagining reasons/excuses as to why it's not your problem.
As I said earlier, you can do that if you like.
But if you don't like it, you could at least try to stop it from happening.
Although it does seem more likely, that you just enjoy moaning about insurance being a scam, and aren't actually interested in any sort of advice or information
You really think an insurer is going to look at a quote, think "oh, they're specified paint, I wonder if it actually needs painting?" and look up whether a car's bumper is painted or not in their Bumper Book of Automotive Trim Levels?I'd have thought that it's a standard item on this sort of quote. Fitted a new bumper = needs painting. When the repair is undertaken they'll realised it's not necessary and the final invoice will be lower than the quote. Or that the damage is more extensive than first thought and the invoice is higher. That's how quotes work, it's an estimate.
Not necessarily on a estimate.... however they don't exactly need to look it up as it's all the one insurance database. If I go to eBay and search for headlight bulbs it comes up with the correct bulbs for my car which based on the year actually switched halfway.
When I call the insurer they know my make, model, colour, what radio was fitted, what wheels were fitted ... etc. etc. it's not like the old day's when they had to pick up Glass's now its manufacturer provided straight from the ERP systems
I certainly wouldn't want to risk changing the wheels for example and not informing them.
We keep being told by people who know that everything is data driven ...
Well quite possibly but then how does it take 3 days ...???I'd have thought that it's a standard item on this sort of quote. Fitted a new bumper = needs painting.
The dealer took photo's....again how hard is it ??
However the main thing is once they said we will deal with the dealer directly then I'm taking it to mean just that. They haven't asked my opinion on the quote (or technically the OH's) ... ad so far as I know they didn't invite it after an account of the incident.
We just want it sorted at minimum cost to us... as soon as possible... that doesn't really seem that unreasonable to me.
