Can't help mentioning this...
DW was pulling in to the parking lot at the"clubhouse" in our community. She touched the rear bumper of the car next to us, got upset, and went in to the office to report it... The lady to whom the car belonged was there, and DW told her she had "hit" her 4 year old car, then called me. I went to take a look...nothing on our car... a tiny scratch 1/4 inch wide and 1 1/2 inches long, and no damage to the plastic bumper. I'll swear to that detail.
A little moral to this story...
1. Don't deal with an old person, if you can avoid it. They know nothing... and aren't used to practical solutions. In this case, a $5 bottle of Rustoleum Touchup paint was the answer.
2. Don't try to settle it on the spot... like "I have insurance"... That was my big mistake.
I should have waited, given our name and number, and gone to her house the next day. Instead, as soon as I mentioned insurance, she reported it to her insurance company, so I had to report it to mine.
Then... the estimates... no kidding... I figured perhaps $50... OMG... one for $736 and the second for $1356. My agent paid the $736 and my insurance won't go up... If the $1356 (over the $1000 limit) had gone through, my insurance would have gone up.. probably forever.
Some examples of the stuff in the estimate...
$350 for the bumper "cover" $218 for the base, $60 for the paint, $175 for the paint application, $280 for labor, $265 shop costs etc.
I grew up in a different world...
The scratch was this big.
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stuff happens...