Do you accept insurance rates

This forum is dedicated to sales, marketing, insurance, and other business development issues. Since this is a Windshield Repair sub forum, please continue to use the other forums on this board to discuss non-windshield repair related issues of any nature.
Post Reply
dr_tumnus
Junior Member
Posts: 1
Joined: June 28th, 2016, 10:23 pm
Enter the middle number please (3): 3
Has thanked: 0
Been thanked: 0

Do you accept insurance rates

Post by dr_tumnus » September 14th, 2016, 3:18 pm

Hi there. New the forum. Just wanted to get some opinions from all of you out there. How many of you accept insurance rates no matter what they are? How many of you ask the customer to pay the difference if the rate is lower than what you would normally charge? How many of you make the customer pay every time and leave it up to them to submit the invoice for reimbursement? Or do any of you make the customer pay and then submit the invoices for them?

I bought my business about 3 years ago. Worked for the company for a couple years before that. My price is $69 for 1 repair, $85 for 2 and $100 for 3. Never go above $100. These prices include tax. I only provide mobile service.

The previous owner set these prices, and people generally seem happy to pay them. He always accepted the insurance rates and so do I. Obviously most insurance companies do not pay this much. But this seems a little unfair. I will do one repair for a cash paying customer at $69, and then go fix 3 chips on one windshield for some with Geico and get paid $60. Plus we have to call Geico, get the claim set up, and then I have to submit the invoice online, wait to get paid, etc. It's a lot more work for less money. Obviously there is value to the customer not having to pay anything. They will always call.

I was thinking of making everyone pay me directly, and then submitting their invoices for them for reimbursement. Has anyone had luck with this? I'm sure there would be some sort of backlash, and I would lose some customers. Just wanted to see what other people were doing. Thanks!

old school
Junior Member
Posts: 49
Joined: October 29th, 2014, 1:23 pm
Enter the middle number please (3): 3
Location: In San Diego county now from Chicago
Has thanked: 4 times
Been thanked: 1 time

Re: Do you accept insurance rates

Post by old school » May 20th, 2017, 10:45 am

I charge more for cash as well but with insurance I do accept their rates. I do know a company that will push the rate at $99 and they say some companies will pay but it takes awhile to get paid and they charge a lot...

screenman
Senior Member
Posts: 3149
Joined: February 25th, 2004, 1:44 pm
Enter the middle number please (3): 5
Location: uk Lincolnshire
Has thanked: 59 times
Been thanked: 115 times

Re: Do you accept insurance rates

Post by screenman » May 21st, 2017, 10:08 pm

I do not bill any insurance companies and have not done so for over 10 years now, this is one of the reasons. I have no trouble getting customers tp pay me direct and it is up to them if they want to try and reclaim, I doubt many do.

Dave M
Senior Member
Posts: 629
Joined: August 9th, 2003, 6:13 am
Enter the middle number please (3): 5
Location: Westbrook, ME
Has thanked: 2 times
Been thanked: 11 times

Re: Do you accept insurance rates

Post by Dave M » May 22nd, 2017, 7:00 pm

I also accept insurance rates. I've noticed in the past couple years that most Ins. Co. have increased the allowed rate. I believe in being diversified but that is another topic.

screenman
Senior Member
Posts: 3149
Joined: February 25th, 2004, 1:44 pm
Enter the middle number please (3): 5
Location: uk Lincolnshire
Has thanked: 59 times
Been thanked: 115 times

Re: Do you accept insurance rates

Post by screenman » May 22nd, 2017, 9:57 pm

I should add that I seldom do any retail work as I find it too expensive per job to service, when compared with other sectors.

User avatar
Mattimeo
Junior Member
Posts: 16
Joined: January 12th, 2018, 8:53 am
Enter the middle number please (3): 3
Has thanked: 6 times
Been thanked: 1 time
Contact:

Re: Do you accept insurance rates

Post by Mattimeo » January 22nd, 2018, 5:38 pm

What i'm doing right now is offering up to 100% deductible off insurance.

SteveK
Junior Member
Posts: 7
Joined: March 11th, 2018, 5:52 pm
Enter the middle number please (3): 3
Has thanked: 6 times
Been thanked: 4 times

Re: Do you accept insurance rates

Post by SteveK » April 26th, 2018, 7:36 pm

What are the insurance companies typically offering for one repair?

What do they offer for a crack?

Thanks!

kennycrane
Member
Posts: 113
Joined: November 23rd, 2009, 1:16 pm
Enter the middle number please (3): 3
Has thanked: 2 times
Been thanked: 18 times

Re: Do you accept insurance rates

Post by kennycrane » April 27th, 2018, 7:33 am

SteveK wrote:What are the insurance companies typically offering for one repair?

What do they offer for a crack?

Thanks!
In my area 60-65, maybe 70 once in a while. Cracks no longer than a dollar bill are the same.

Post Reply

Who is online

Users browsing this forum: No registered users and 1 guest