Quote:
Originally Posted by UnknownJinX
You know the thing with legal fine prints... Nobody reads those. Does anyone read the legal stuff on all the software they install, for example?
That's like saying that technically, cops can give you a speeding ticket for going 1 mph over the limit. It's still speeding. You just don't see it being reinforced to that extent because it's more work for everyone involved and there are bigger fish out there.
The obvious question is how do they discover it if no other party/person is involved? You'd have to have a reason for them to investigate. Investigation costs money and effort. In the case of a potential insurance scam, it is worth it, but in the case of "oops I bent my bumper on a wall and it costs $300 to fix it", I would love to see a real-life example of someone being dropped by insurance because of not reporting this.
I can see the last bit, but again, a good shop should give you an idea if anything else is damaged in their assessment.
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There are a lot of ways that an insurance company could be made aware of "previous repairs" having been done, especially when a repair shop is providing repairs for a "second event" where the first event was repaired outside of insurance. The repair shops will be required, under their contract with the insurance company, to provide details of their best assessment of the condition prior to the accident, and they very well may be able to identify prior repairs that the carrier knows nothing about. And at that point, your entire claim could be denied AND you could have your policy canceled.