Sorry about your luck, things like this happen. You should feel good about yourself for stepping up to the plate and doing the right thing. But...you wrote. "But I'm scared of getting ripped off by these car body shops who'd take down and repair a car in a way that's more costly than it should end up being." What more needs to be said? Fixing the car right, which means doing what is necessary to restore it to pre-accident condition means the shop does NOT cut corners to save on cost. If there is one thing that needs to be addressed here it is the near impossible demands of making the car right, and trying to do it "cheaper". The other party deserves to have the car repaired correctly. You, doing the right thing have taken the proper steps to see that this is getting done, and you should be commended for that. But then right away starting to fear a rip-off, when you have never seen the shop, or met the people that work there is an attitude that needs some correction. The other party wanted to file a police report, but have taken your word that would not be necessary. Treat the shop they choose with just as much respect. Now as far as the cost. Accidents happen, we all (well all of us that know we need to do the right thing) pay for and have insurance to help us out during these (hopefully) rare events. Get the estimate, and then decide if it's to your advantage to turn it into your insurance. If it is, then do so. If not, then rely on the shop to fix the car correctly, and then pay them for doing so. Then move on. Besides, you never know you just may have found a good body shop that you werent aware of previously. You never know when that information could come in handy for you, or a friend or relative. The bottom line, if my car gets damaged, and I am going to have it repaired by a pro, I know several that I would take it to in a heartbeat. They have the correct tools, the high tech paint booth, and the color paint blending equipment etc. right on site. These guys, everyone of them are easily NOT the cheapest I could go to, but then again doing the job right is what counts. They will do that without question.

Our old (2005) but good (20K miles) Jaguar X-Type was broadsided in an intersection by a teen girl in October 2012. The driver's father's insurance, Chubb Group, paid to have the car towed to our Jaguar dealer and to a body shop, for body work and for a rental car. After I complained about lost trade-in value, they kicked in another $650 cash. My DH was driving and suffered only sore ribs. We have not paid for his check-up at the hospital ER on the day of the accident, and he had no lasting physical probems once the bruised ribs improved. Chubb has yet to settle the personal claim. Yes, we are happy no one was seriously injured, but...this has caused us DAYS of work with the back and forth of getting the car back and the general unsettling effect of the accident. What should we be expecting from Chubb on the personal injury side of this incident?

I am in the middle of a large loss fire claim. My sentiments pretty much echo juliatallmadge's (wish I could reach her to find out how it all turned out). Mine was a high-end single family residential rental. The renter was at fault, so not only do I have the experience of dealing with my own insurance company (State Farm), I will be getting experience dealing with the renter's TWO insurance companies (one is for the general renter's policy and the other is for a general liability umbrella policy). All I can say is, it has almost been one year and the house is still standing unoccupied and untouched. The inside of the home was completely smoked out and partially structurally damaged. Only now is the claim being subrogated by my insurance company, which has paid to term limits, to the tenant's insurance company. As juliatallmadge stated, it looks like the tenant's insurance companies will try to micro-negotiate everything, so I am in the process of shopping attorneys. Since the fire was the fault of the tenant's, I deserve to be compensated for my loss. But I get the distinct feeling at this stage this will not happen without legal representation and quite possibly a legal battle that may go all the way to court. I will know more as this situation unfolds in the next 2-6 months. I can only say that State Farm has been wonderful. But be very certain to read your policy thoroughly, because even your claims adjuster can make big mistakes that you might catch. We caught a 90K mistake in our favor. Also, DO NOT make the very common mistake of being underinsured. If we had not been underinsured, we would already be started on the construction while waiting for the tenant's insurance companies to settle with us. Take pictures and videos of EVERYTHING. Open your drawers and cabinets and shoot pictures. Shoot every single feature in your house. And then store those someplace safe outside of your own home. Also, because I saw it happen, keep your computer backed up on a hard drive and store it outside of your home or in a fire/flood proof vault, as well. In my opinion, $1,200 a year for homeowner's insurance is chump change. I was paying more than that and was still underinsured.

We have Farm Bureau for home and auto. Also have a life insurance policy with them (hubby) and have had both boats and rvs insured through them. We have had FB for probably 25-30 years. In this house we have had 3 roofs in 18 years. This one has been on a while (knock on wood!). For several years we had some bad spring storms with some serious hail. Both times FB was wonderful to work with. We didn't have to submit multiple estimates and the claim was paid quickly. Last year on a day I was working, I was coming back from lunch and a student and I collided. Police could not assign blame (I honestly think we were changing lanes at the same time) so each of us handled our own vehicle. They are great to work with on an auto claim. We had to use them once before for an auto claim and the one body shop in the area we would choose to use is set up with FB. All you do is take your car in. They handle everything, even a rental car if needed. My only complaint is we had a wonderful agent for years, and are not so fond of the younger agent who took on his clients (original agent retired). But it's a personality thing, I can't say he doesn't do his job. In both the roof claims and the recent car claim, our rates didn't go up. The home owners did eventually, with an explanation of so many claims, etc. due to storms in the area. It was not a major increase though. We do get discounts for having multiple policies, for having an alarm system, for having fire coverage, etc. I manage my grandmother's affairs and she has had Travelers for years. She also had a claim a few years back due to hail and they were good to deal with. However, they did the depreciating method, which I do understand. Her rates seem high compared to ours.