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Old 08-19-2012, 10:15 PM   #16
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Need Advice: Someone Ran into our Garage Door


Might want to give your insurance agent a call, explain the situation and ask him if you would end up paying a deductible. If not, make the claim to the insurance company. You still might only get a few replacement panels ( if the insurance company can get away with replacing a few panels, rather than the whole door, they will do that too, but they probably won't risk dealing with the hassle if the color is not right). But you would have the satisfaction of knowing the Jerk's insurance rates are going up.

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Old 08-19-2012, 10:17 PM   #17
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Need Advice: Someone Ran into our Garage Door


I've done jobs just like yours and don't normally replace tracks unless they're bent. Your door looks relatively new as far as the tracks and hardware go. When I get a door from the local garage door wholesaler, the sections are about 80% of the total cost of the door package. The tracks and hardware are minimal in cost. If there is damage to the tracks, then I do get a complete door package and just replace everything. If he replaces all 4 sections, you should be fine. That is not a high end door you have now. Whatever manufacturer he is getting the sections from, you shouldn't notice any difference. I would give his friend a shot, let him hang the sections. If he knows at all what he's doing, the door should work fine. Nowadays, its very difficult to just replace a section or two unless the door is only a year or two old, and the supplier hasn't changed manufacturers for the sections.
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Old 08-19-2012, 10:48 PM   #18
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Need Advice: Someone Ran into our Garage Door


I'm all for trying to be reasonable, but I have absolutely no patience for these types of situations. Once you hear the famous words "I know a guy..." you know you're in trouble.

I would just let the insurance companies handle it. The person backed into your garage door, so her insurance should cover it. This is not being mean on your part, this is why people have insurance. If they take it personal, then that's their problem.

Why should you spend all this time and energy on this? Especially if they are just being jerks about it. You can still be polite, just tell them you prefer to let professionals handle it.
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Old 08-20-2012, 06:38 AM   #19
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Need Advice: Someone Ran into our Garage Door


Quote:
Originally Posted by LVDIY View Post
just tell them you prefer to let professionals handle it.
What is your definition of a professional??

Wouldnt the friend who owns a commercial door company be considered a professional?"?

Quote:
Originally Posted by lv123 View Post
The friend owns or manages a commercial-only door company

By the way I've never heard of a residential only garage door company.
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Old 08-20-2012, 06:49 AM   #20
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Need Advice: Someone Ran into our Garage Door


Quote:
Originally Posted by hammerlane;
What is your definition of a professional??

Wouldnt the friend who owns a commercial door company be considered a professional?"?
I'd always avoid having a "friend' of someone who did the damage repair it.




Quote:
Originally Posted by hammerlane;
By the way I've never heard of a residential only garage door company.
but I have heard of "commercial only" businesses.

with my insurance, they would ( and have) paid for the repairs, minus deductible, then go after the other party and their insurance, then reimbursed me when they were paid. however since the damage is likely to not be much, I'd just go right to their insurance company and see if they will pay. insurance is there for a reason, especially if its someone else's why not use it?
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Old 08-20-2012, 08:06 AM   #21
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Need Advice: Someone Ran into our Garage Door


Quote:
Originally Posted by bbo View Post
I'd always avoid having a "friend' of someone who did the damage repair it.
Cant be a friend
Cant be a commercial door company business

With these stipulations, who would be considered unreasonable?

Maybe listen to the Mrs. and get the crashing party's insurance company.

Last edited by hammerlane; 08-20-2012 at 08:12 AM.
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Old 08-20-2012, 08:29 AM   #22
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Need Advice: Someone Ran into our Garage Door


Why are you making this so difficult?? As several others have suggested, turn this over to your insurance company. If you'd done that at the start, your door would probably already be repaired.
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Old 08-20-2012, 08:33 AM   #23
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Need Advice: Someone Ran into our Garage Door


Quote:
Originally Posted by md2lgyk View Post
Why are you making this so difficult?? As several others have suggested, turn this over to your insurance company. If you'd done that at the start, your door would probably already be repaired.
Are you suggesting the insurance company will:

quickly have this fixed and have the door repaired by a competent individual
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Old 08-20-2012, 12:29 PM   #24
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Need Advice: Someone Ran into our Garage Door


Quote:
Originally Posted by hammerlane View Post
Are you suggesting the insurance company will:

quickly have this fixed and have the door repaired by a competent individual
I have Pemco, and I have been ran into by people with Progressive. As the agrieved party, I can tell you both of those companies would have quickly resolved and repaired this issue.

Like within four days - done.
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Old 08-20-2012, 02:01 PM   #25
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Need Advice: Someone Ran into our Garage Door


Quote:
Originally Posted by hammerlane View Post
Are you suggesting the insurance company will:

quickly have this fixed and have the door repaired by a competent individual
No, I'm not. The choice of who fixes it is up to you. But if you have legitimate estimates, the other party's insurance company will cut you a check. At least that's how it worked for the one homeowner's insurance claim I've ever filed.
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Old 08-20-2012, 06:10 PM   #26
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Need Advice: Someone Ran into our Garage Door


Quote:
Originally Posted by hammerlane View Post
What is your definition of a professional??

Wouldnt the friend who owns a commercial door company be considered a professional?"?
What I meant was, let professionals handle the claims process rather than messing around with it on your own for 2 months.

The friend might be the most awesome and professional garage door repairman in the country. There is still a conflict of interest, and who do you go to if something needs to be corrected down the road? I'd prefer to call a 3rd party, rather than my neighbor's friend.

These guys are just spending way too much time on something that could easily have been handled by the insurance company. Since they are already disagreeing on how to do this, just let a professional 3rd party handle it and move on.
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Old 08-20-2012, 07:03 PM   #27
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Need Advice: Someone Ran into our Garage Door


I don't think it is unreasonable to expect the door to be restored to the condition it was in prior to the damage. If you let your neighbor's friend do the job you are exhibiting great faith in the ability and integrity of a business you know nothing about. Investigate the history of the contractor by using the Better Business Bureau's website at the very least. Personally I would let the car owner's ins co handle it. No, there is no deductible for you under the circumstances. There would be if your homeowner's policy were involved but then the homeowner's ins would collect that from the auto insurance anyway since there is no doubt as to who was at fault. I am afraid the company recommended by the husband may do a poor job and leave you high and dry. Life is not a popularity contest. You have to protect yourself.
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Old 08-21-2012, 08:33 AM   #28
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Need Advice: Someone Ran into our Garage Door


Sorry to drag this out, but I'm really trying to do the right thing here. I appreciate everyone's feedback.

Quote:
Damage looks pretty typical for a bumper hit.
Sections are non-insulated.....most manufacturers are usually between 24-26 gauge steel so most sections will be close in weight.....shouldn't affect the springs much.

I'd go with sections, broken rollers, hinges, etc and probably not sweat it one bit.
Again, though, don't you have any concern that the friend was here and said the rollers/hinges all looked fine? I'm not changing the conversation in any way. He said they all looked fine, I said some were clearly bent/broken, he said they weren't, but they stock the parts anyway. If he can't see a clearly broken hinge, what makes me think his guys will replace a slightly bent hinge?

Quote:
I would give his friend a shot, let him hang the sections. If he knows at all what he's doing, the door should work fine.
That's the problem here. What if they don't do something correctly? What if the door opens fine on day 1 and there's day 2 after they've left.

Quote:
Originally Posted by SPS-1 View Post
Might want to give your insurance agent a call, explain the situation and ask him if you would end up paying a deductible. If not, make the claim to the insurance company. You still might only get a few replacement panels ( if the insurance company can get away with replacing a few panels, rather than the whole door, they will do that too, but they probably won't risk dealing with the hassle if the color is not right). But you would have the satisfaction of knowing the Jerk's insurance rates are going up.
My insurance company informed me if the responsible party does not provide their info, I would file a claim with my company. The only way I would pay anything or have this counted as a claim is if they do not receive payment from the responsible party's insurance company.

I'm really not trying to hurt them, I just want the right thing done by the right people. If his friend's company did residential and/or they were in my area, I may be more apt to consider it.

Quote:
What is your definition of a professional??

Wouldnt the friend who owns a commercial door company be considered a professional?"?

By the way I've never heard of a residential only garage door company.
I've never questioned the professionalism of the company. I don't know anything about the company besides what's on their website. I could find almost nothing anywhere else. No reviews, no BBB profile, etc. Obviously, no homeowners I know would have used them as they are a commercial-shop.

You may have never heard of res-only, but there are absolutely commercial-only shops. I'd imagine their lowest paying commercial jobs will be paying more than the $400 this guy will be getting paid from the other party. So again, what makes me think I'll get any attention if something is wrong or if I'm not happy? Don't get me wrong, his guys could very well be the best in the world and they'll bend over backwards. But, should I have to be the one to 'test that out'?

Quote:
Are you suggesting the insurance company will:

quickly have this fixed and have the door repaired by a competent individual
I've been fortunate enough to never file an insurance claim, but my understanding of the process is: File the claim > Insurance company either sends estimator or ask me to get estimates > Insurance company writes a check for the estimated cost.

For comparison sake, I have received an offer of $960 for a new door/rails/springs/1 year warranty/everything from a local company (3 others in the same $1k ballpark). They all said I would save no more than $100 by replacing only the 3 or 4 panels. Even if the insurance company only gives me $860, I'll pay the extra $100 out of pocket to get a completely new door.

I know it seems like I'm dragging all this out, but I really want to do the right thing. It's obviously in my best interest to get the insurance companies involved. I know will make out better in the deal getting insurance involved.

I just don't want to feel like I've screwed someone over, made them pay more money unnecessarily, increased their auto-insurance rates; Even if the guy was being a total jerk.

On the other hand, I don't want to be the one to get screwed...

For someone like myself who is so black and white, this is a really difficult decision.

Thanks again for your feedback and discussion.
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Old 08-21-2012, 09:03 AM   #29
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Need Advice: Someone Ran into our Garage Door


I have a hard time understanding why you are worrying about "screwing someone over"

they ran into your garage. get their insurance to pay for it.

how hard is it to call their insurance company? or have yours deal with it.

the longer you drag this on, the worse it gets. just get it over with.
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Old 08-21-2012, 12:41 PM   #30
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Need Advice: Someone Ran into our Garage Door


It is not unusual for what appears to be a simple matter that can be handled in a mutually agreeable manner to turn into a combative situation as the responsible party considers his out of pocket expenses and what he can do to reduce them. For future reference should this type of situation ever arise again, I would highly recommend that the police be called and a report be filed. That report will contain information about the driver, her insurance company and a description of what occured. The report will be given tremendous weight by insurance companies, attorneys and judges since the police are considered reliable and neutral observers, even when they are not. I would not have thought to do this at the time but hindsight is 20-20, as they say.

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