I have a leased Mazda 6 Touring 2018 (Soul red) with currently 6000 miles.
While sitting at stop someone hit my car’s rear bumper. The impact seems minimal, no cracks but I got some scratches and the four screws that were holding the other car’s plate are now embedded in my bumper. There might be additional damage that is not visible to me.
I got their insurance (Gainsco - did’t heard about them before), filed a claim, used their app to do a self-assessment of the damage since this was the fastest way. The guy handling the case said I have to provide them a repair shop so they can send the check directly to them (otherwise the check would go to lease holder and would be more complicated to get the money back).
The other day I get a check in mail from Gainsco for 530 USD - “For Mazda 2018 repairs”.
Is this a tactic to make me get a lesser amount for the damage?
Initially they said they can pay only the shop or the leasing company and now they are sending a check. In case the repairs are more than this amount, they would have to pay the difference? Also I would need a loner/rental while the car is in shop, should’t they cover that?
It seems that the bumper would need a lot of filler to get it smooth again. Is that acceptable for a 5000 mile car?