A few weeks ago my car was parked in front of my parents house. My brother came in to tell me that a kid, riding his bike, hit my car, broke the side view mirror and dented the fender.
Well, here we are almost two weeks later and I'm finding out a few things:
1) You have no rights as the owner of the car. Whatever the insurance company says is what will happen. Period.
2) We haven't spoken to our attorney in almost 15 years. In that time he has gotten divorced and moved. I'm not even sure he is still in the city.
3) Insurance adjuster's are idiots. You know you are, just admit it. If you are related/married to one, I suggest you encourage them to find another occupation.
4) The State of New Mexico isn't much help in cases like this.
5) The law is vague regarding what recourse I have.
See, all I want is the fender on my car replaced. When I am told that a "filler" is going to be used on my car, I go ballistic. Now I get to go to one of the places I had the estimate done and find out how much of a difference there will be in the price between replace and repair on my car. If I had known this was going to be a problem, I would have made them pay to have the mirror replaced at the body shop instead of doing it myself.
To all the insurance companies in the world - go to hell!!!!!! You guys are the biggest rip-off known to mankind.