Originally posted by lsimpkins First, I would check the exact coverage that your credit card offers. It may not cover at fault accidents and may have a deductible. As far as getting an estimate, I would think that the only option in the USA is to send it to Precision along with a letter detailing that you need an estimate for insurance purposes and that first and foremost you want them to perform a complete set of tests and calibrations of all functions. Only then would I worry about the cosmetics. If worst comes to worst (no cc insurance coverage) personally I would pay for the inspection and any recalibration needed, but skip the cosmetic repairs.
This is the coverage my card offers :
American Express | Card Benefits
There is no deductible listed, only a limit of $10,000 . Accidental damage is covered. There is no exclusion that would apply in this case.
I am confident coverage would apply. I have used purchase protection on a few items (on various items of lower value, and various cards) and had good luck with them. Sometimes there is indeed a deductible, sometimes not. Some items are occasionally not covered, like taxes or shipping. That doesn't appear to be the case for this card.
My main concern at this point is to obtain an estimate as quickly as possible, and be without my camera for the shortest amount of time possible. I called a couple camera stores around, but it seems they all ship them out for estimates, which obviously makes turnaround much longer than I was hoping for. I was hoping there was someone local who could do estimates in a store and avoid being without the camera. Is there such a thing ?
---------- Post added 06-09-18 at 02:19 PM ----------
Originally posted by victormeldrew I think it unlikely that a repairer would suggest repairing a grip. The fix would be to buy a new one, as the cost would be lower than paying a technician to transplant everything into a new enclosure.
I'm only concerned about getting the camera back in comparable condition prior to the accident, which was like-new. Battery grip may indeed not be repairable, in which case it should be replaced. Generally, if an item is not economical to repair, the shop will note that and the insurance company would take it into consideration and choose to pay for replacement instead of repair, since cost would be lower.
Quote: As for the cosmetic damage, only the approved repairers are likely to be able to source new body panels and so your only option would be to send it to whoever it is in your territory (Precision?) for a quote. It's unlikely to be less than $300 I'd say, assuming it is only cosmetic. Add to that the cost of the grip and the dent in the selling price would likely be less, especially in a few years time.
I'm sure you are right that repair isn't going to be less than $300. Precision is listing $353 deposit for non-warranty repairs on a K-1 II, and that doesn't include the grip. I'm just looking for a quote, and the quickest way to get that quote.
Quote: A more economical outcome would have been if it had been a bit more damaged and beyond repair - assuming you're covered for replacement for accidental damage - shame that isn't what happened, eh???
Accidental damage coverage doesn't mean that there has to be a total loss for it to apply. Just like for car insurance, cell phone insurance, etc, partial damage is covered, also. Even if the camera was no longer working, I would still need a shop to provide an estimate to find out whether repair cost would be more or less than replacement cost. I'm glad it's still working, just unhappy about the damage. My 10-year old K200D is in better shape (and still basically worthless, hasn't sold for months even for just $100 !).