Quote:
Originally Posted by zukes
Insurance adjuster here. I believe that Alberta has no fault, so going through insurance will not change your rates.
However, if you are going to consider letting the other person pay, go to a preferred shop of your insurance company and get a quote. Give the other person the quote and if they are willing to pay in full, let them. If they try to haggle, go through insurance.
Don't make it difficult for yourself, don't let them pick the shop, but if they are willing to pay the bill, then no real need to go through insurance if you are feeling like being a "reasonable person" as you said.
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I just finished dealing with this situation today. Guy backed into my wife’s vehicle last week and scuffed the paint into the primer, came into her shop and left his info saying that he would pay for it. I went to a body shop near my house that I know is an approved shop of my insurer (they fixed our truck a few years ago), got an estimate, sent it to the guy and received payment in full today. Admittedly I was a bit nervous about the whole thing since my wife is so good natured, she didn’t take down any additional details about the guy or his vehicle. Worked out OK, I guess not everyone is a scum bag.