So I just bought a used car and got hit 5 days after getting it it was parked, they broke my tail light/dented my rear bumper and I got their insurance info (infinity county mutual insurance) so the Insurance Company wants to send me a $500 check and let the company charge the insurance directly, but my aunt said I should get two quotes and they should send me a check based on the quotes. what should I do?
You can get all of the quotes you want, but for property damage issues, the insurance company sends out an experienced estimator and they will only pay for the reasonable repair cost.
If there is something the estimator missed (there is sometimes hidden damage that cannot be seen until the body shop starts taking off panels, etc.), then a supplemental estimate will be written.
Having said that, if you were injured, your best bet to obtain the maximum injury settlement amount in this case is to consult immediately with an attorney in your area to obtain a more specific answer and get all of your legal options before deciding what to do and then also complete all medical treatment necessary for any injuries you received. The attorney will also investigate the liability issue and check for all available coverages to ensure you have the maximum amount of coverages available to you. You may have some coverages on your own auto policy as well that can assist you. You can use the "Find a Lawyer" link at the top of this page for the names of attorneys in your area. Most offer a free consultation and work on a contingency fee basis, so you won’t have to pay anything up front.
Please do not message me for further advice or call my former law firm if you have any further questions. If you are in need of an attorney to assist you, please search for another attorney in the jurisdiction involved in your case, as I am now retired, and my former law firm is no longer handling these types of cases. I am active on AVVO and answer questions only as a public service at this point.
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