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I need help finding a 3rd row seat for 2008 Suburban
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How is at all going to be considered fraud if the seats were actually stolen?Originally posted by Gear_Jammer View PostAgain, call me crazy, but having a claim on the insurance and potentially committing insurance fraud isn't worth $750. Plus, my family member is way to straight lace to go with your plan.
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It happens like that all the time, usually it's somebody getting a repair estimate that is on the high-side, and then either getting a buddy deal, or pocheting the money and not getting the repair.Originally posted by Gear_Jammer View PostInsurance is to you recoup your actual loss, not so you can profit off the deal.
That's exactly why there is a deductible, to help ensure that all claims are legit. It's not fraud if your policy states that you are to recieve the cost of a new seat, that is what you pay insurance for, there's nothing in the rider specifying exactly how the money is to be spent.
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I have a few claims I handle a month just like this. 750 is a steal (lol, that might not be far from the truth), I use the Seat Shop out of Dallas (www.theseatshop.com). I pay 1100 for remanufactured seats. Nothing else was stolen/broke?
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It's not insurance fraud when they're paying a fair and reasonable amount for the loss based on replacement costs. That's why you pay for insurance, so you're covered for a loss. If your car gets totaled out or your home gets hit by a tornado, they pay for the loss and it's up to you on how to spend the money. You can buy something cheaper or apply it to something more expensive, or you can let it sit in the bank.Originally posted by Gear_Jammer View PostAgain, call me crazy, but having a claim on the insurance and potentially committing insurance fraud isn't worth $750. Plus, my family member is way to straight lace to go with your plan.
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Originally posted by Gear_Jammer View PostAgain, call me crazy, but having a claim on the insurance and potentially committing insurance fraud isn't worth $750. Plus, my family member is way to straight lace to go with your plan.You are clueless about insurance. No fraud is being committed. Insurance pays you replacement cost. If you can replace the damage for less, more power to you. And a comprehensive claim doesnt raise your rates if thats what they're worried about.Originally posted by Gear_Jammer View PostInsurance is to you recoup your actual loss, not so you can profit off the deal.
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I never claimed to be versed in insurance claims. That's why I used the word "potential" when referring to the fraud issue above. Chill out dude. I appreciate the info, but there's no need for y'all to play the "you're stupid and let me tell you how much so" game. Maybe that works in your personal/professional life, but it doesn't in mine. Again, thanks for the info.Originally posted by A_A_G View PostYou are clueless about insurance. No fraud is being committed. Insurance pays you replacement cost. If you can replace the damage for less, more power to you. And a comprehensive claim doesnt raise your rates if thats what they're worried about.
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Fraud is hiding the seat and claiming it is stolen. Think of it in terms of life insurance, you're not being paid for a replacement life, you're paid simply for the perceived value of the loss thereof.Originally posted by Gear_Jammer View PostI never claimed to be versed in insurance claims. That's why I used the word "potential" when referring to the fraud issue above. Chill out dude. I appreciate the info, but there's no need for y'all to play the "you're stupid and let me tell you how much so" game. Maybe that works in your personal/professional life, but it doesn't in mine. Again, thanks for the info.
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I hear ya; however, there are a lot of gray areas when it comes to what is/isn't fraud in a contractual setting. At least that's what I remember from law school.Originally posted by Treasure Chest View PostFraud is hiding the seat and claiming it is stolen. Think of it in terms of life insurance, you're not being paid for a replacement life, you're paid simply for the perceived value of the loss thereof.
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you went to law school and cant figure out how insurance works?Originally posted by Gear_Jammer View PostI hear ya; however, there are a lot of gray areas when it comes to what is/isn't fraud in a contractual setting. At least that's what I remember from law school.Check your self bro , you're not that cool.
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