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Thread: TD Insurance: Betterment fee

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    Default TD Insurance: Betterment fee

    Hey Beyond,

    Need ask a question. My wife's car was bumped in the parking lot at Chinook Mall. She went in and filed a report and it says hit and run.

    So my wife brings her car to TD's "Bodyshop" for appraisal. So the damage is basically a piece of Bondo cracking around in a C shape right above her rear passenger wheel well.

    The adjuster told my wife that TD has waived the deductible because she reported it right away and there is a police report. The are telling us we are going to have to pay a "Betterment Payment" because it was damaged on previously repaired damage. They can not tell us what the charge is until after they start the repair.

    Someone please explain because 2 people I talk to at TD could not explain it or the adjuster who I started swearing and getting angry on the phone with lol

    My wife has full coverage, top tier everything included. WTF?
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    Never heard of it. Car didn’t receive a cash payout historically for that damage or something?
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.

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    https://www.economical.com/en/blog/e...erment-charges

    wtf

    so we have no idea what is under the bondo, if the shop deems it needs a completely new quarter panel welded or glued in I am responsible for the cost of the parts and extra labor!

    Fuck that
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    A piece of advice is that you are not obligated to use TD’s shop so you can maybe find a shop who is willing to repair it to “as good as before but not better” and hence no betterment fee!
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.

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    If the car was previously repaired with bondo, and the new repair is going to be a panel replacement and repaint, I can see some kind of betterment being reasonable. Can you get it re-bondo-ed?

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    Quote Originally Posted by ExtraSlow View Post
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    If the car was previously repaired with bondo, and the new repair is going to be a panel replacement and repaint, I can see some kind of betterment being reasonable. Can you get it re-bondo-ed?
    Word. Makes sense to me. But sucks for OP's situation. Was the car repaired somewhere shoddy? Or was it purchased like that

    Didn't even know this was a thing but reading below makes sense to me

    "Your tires are getting worn out and you’re planning to replace them within the next couple of months — but, before you do, you get into a collision and your old tires are damaged. Your insurance company will likely require you to replace the damaged tires with brand new ones, which will put your vehicle in better condition than it was in before the collision (and it’ll put you in a better financial situation since you won’t have to pay to replace your tires as you had planned). As a result, you’ll be expected to pay the difference in cost for the betterment to your vehicle."
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

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    That the plan, take it around and explain exactly what i want done. Choose shop that gives me the best gut check after a chat and shop tour, best finishes dust etc. I worked Autobody for several years at one point in my life, I know everything there is to know about it.

    Did the same thing for being a tech. I worked at acuras & c honda busting tires and changing oil trying to decide what I wanted to do. Autobody was out because of an allergy I developed to isocy.
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    Car was purchased from a wholesaler friend of mine, didn't notice the light sanding scratches until clean and after the accident. I asked and he said not that he knew of. Great deal great little car!
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    They've started doing the same thing for roofs after hail damage as well. No more new free roof after a hail claim.

    edit - they being insurers. This isn't a TD specific thing.
    Originally posted by SEANBANERJEE
    I have gone above and beyond what I should rightfully have to do to protect my good name

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    ...
    Last edited by Sugarphreak; 08-18-2019 at 04:07 PM.

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    Makes sense. Not something I would have thought about.

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    The concept is not new to auto insurance but 9 times out of 10 we see this applied to tires & brakes (wearable components) in collisions. This is the first time I've seen it applied to body work but when I consider all the info it makes sense. It's shitty for OP for sure but I don't see a great way around it other than trying a different shop that can just re-bondo the damage.
    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

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    Had something similar when my parked car got hit. They showed me that the quarters had some halfassed previously “fixed” work done and I had to sign something... it was just a bumper replacement so I didn’t have to pay anything unless I wanted them to also fix the old work

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    Quote Originally Posted by Masked Bandit View Post
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    The concept is not new to auto insurance but 9 times out of 10 we see this applied to tires & brakes (wearable components) in collisions. This is the first time I've seen it applied to body work but when I consider all the info it makes sense. It's shitty for OP for sure but I don't see a great way around it other than trying a different shop that can just re-bondo the damage.
    I got hit with a betterment charge when some asshat slashed my convertible roof - apparently since my old roof had some wear and tear (minor rub marks) that meant my replacement roof was better so I had to pay insurance more for it.
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    Thank god for gap insurance.
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.

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    Quote Originally Posted by killramos View Post
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    Thank god for gap insurance.
    Gap insurance doesn't work like that.
    Originally posted by SEANBANERJEE
    I have gone above and beyond what I should rightfully have to do to protect my good name

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    I had a second appraiser out to see the car. I showed her tire rub marks leading up to where the bondo cracked, she said that TD will only cover to polish out the light scratches????
    Meaning they are not going to cover the actual damage
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    Quote Originally Posted by legendboy View Post
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    I had a second appraiser out to see the car. I showed her tire rub marks leading up to where the bondo cracked, she said that TD will only cover to polish out the light scratches????
    Meaning they are not going to cover the actual damage
    Fucking insurance companies always trying to screw people over. That sucks dude.

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    Its total crap, the fight is on
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    Quote Originally Posted by legendboy View Post
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    Its total crap, the fight is on
    Now I don't normally side with insurance companies, I'm actually annoyed with mine, but it's a losing battle. You're asking for them to fix a previously existing issue on their dime. It's not up to them to put your vehicle back to factory condition. If you had a crappy repair done to begin with, why should they fix the damage from the accident PLUS the awful repair job that was previously done?

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