damages check

[MrJenkins]

What is the name of your state (only U.S. law)? PA probably has jurisdiction

While this may not be any of my business, it does affect me because she is the mother of my daughter.

My ex had full coverage collision insurance under her fathers policy. She wrecked and the adjuster came out and provided her with the estimate of ~4200 to get the damage fixed.

She now has the bright idea of getting her "friend" to repair the damage at a cost under what was provided to her and pocketing the difference.

I explained many times that she is entitled to the amount it cost in repairs and her scheme can land her in hot water.

Her contention is that it was" just an estimate" and that the insurance guy said she is free to take it to wherever she pleases to get it fixed.

I am sure she isn't telling the whole story, but I fear that if she pulls and it is in fact illegal, the results can be harmful for the care of our daughter.

Like I said, I know this probably shouldn't be any of my business, but I feel like if I don't give her correct information (regardless of how she uses it), that I am not being a good co-parent.

Any thoughts?

 

[MrJenkins]

While I agree that OP wouldn't be committing fraud - please remember that, when comparing apples, don't throw in an orange.


ETA: This was posted in response to Shanghi's (now deleted) post.

Zinger-

I am just going to leave it alone and tell her I have no opinion one way or the other. I just wanted to make sure something wouldn't happen to her that could affect our daughter; since she is the primary parent.

Would this be the best course of action?

IMO, it seems the insurance company would want to pay for the repairs and not give up money, but that's just me.

Thanks for your help

 

[Zigner]

Zinger-

I am just going to leave it alone and tell her I have no opinion one way or the other. I just wanted to make sure something wouldn't happen to her that could affect our daughter; since she is the primary parent.

Would this be the best course of action?

IMO, it seems the insurance company would want to pay for the repairs and not give up money, but that's just me.

Thanks for your help

The insurance company determined that she was damaged to the tune of $X. She could take that $X and blow it on a weekend in Vegas if she so desired. She can also get substandard repairs if she desires and pocket the difference. The only place it'll come up is if she gets in another accident...the car will be worth that much less.

 

[Indiana Filer]

Is the car paid off or is there a lienholder?

 

[ecmst12]

If she had a leinholder, then in theory the check wouldn't have been sent to her directly in the first place, or at least it wouldn't have been in her name only.

If she DOES have a loan, she could theoretically be in trouble with the leinholder for getting a halfassed repair job, but the only way it would ever come up would be if the car is repossessed at some point and the leinholder had to redo the repair to resell the car.

If she owns the car outright, what she does with the insurance is 100% up to her and 100% none of your business or anyone else's for that matter.