Body shop makes a dent in insurance premiums

October 22, 2009 - 9:02 AM by David · 1 Comment
Filed under: A New Reality, Business, General, Israeliness, Life

body shop In a country where there’s nary a car that’s not pocked with dents, scrapes, and nicks, I’ve been extremely fortunate to have escaped being involved with any road accidents that required involving insurance companies. Until last week.

An older lady turned right at a stop sign, without really looking left, and sideswiped my car as I drove by. When we pulled over, I really wanted to wail on her, over how she typified the aggressive, sloppy Israeli driving style. But she was so apologetic and shaken up that I ended up telling her it wasn’t so bad and that she shouldn’t worry.

And it wasn’t that bad, just some paint scraped away, one door guard ripped off and a slight dent. I told her I would bring it to the body shop next door to my usual mechanic and see how much it cost. It the estimate was less than her NIS 1,000 deductible, which I was sure it would be, then we could avoid going through our insurance companies and the accompanying hassles.

The next day, I brought the car to the body shop and was given an estimate for NIS 1,600. So I tried a couple other places, but received similar estimates. Of course, at that point, the lady decided to go through her insurance company, which triggered a series of bureaucratic forms, faxes, phone calls and a visit to an accident assessor that over the next few days kept me busy for hours.

It’s an odd arrangement when the victim of an accident ends up having to do all the work to repair the damage caused by the other person. But that’s just a sideline to the main point here – yes, there is one.

I finally got the car repairs completed yesterday at the original body shop I went to and went to the office to settle up (I also didn’t know that I had to pay for all the repairs and accident assessor costs, and then file a claim with the lady’s insurance company to get reimbursed.)

When I asked the manager who to make the NIS 1,600 check out to, he said ‘no, that’s not how much it cost – it’s NIS 3,450.’

Now, I’m getting reimbursed anyway, but I couldn’t resist asking him, ‘You told me when I was going to do the repair privately that it would be NIS 1,600. You’re doubling the price because the insurance company is paying for it?’

He just shrugged and said the Hebrew equivalent of ‘That’s the way it is.’

Maybe I’m just naive, and this is the way of the world, not only in Israel but in most countries when it comes to insurance claims. But it just doesn’t seem right, does it. I’ve always wondered why our car insurance premiums are so outrageously high. And yesterday, I found out why.

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