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Re: Insurance not paying up! help! (archive)

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Posted by BigDog on October 09, 1999 at 20:58:52:

In Reply to: Re: Insurance not paying up! help! posted by vdphb on October 09, 1999 at 20:20:21:

Correct. Also, if you can convince the insurance adjuster than the high cost shop is the only one that will truly restore the car to it's pre-accident condition, the adjuster should be willing to negotiate with the high cost shop.

Also remember that, unless the car is a very recent model, the insurance company has an incredibly large and detailed amount of information in their database about how many cars like yours have been damaged in a similar way to yours and how much those cars cost to repair. With all this data to back them up, you should never expect to get better than a "fair" settlement.

: That is true...but sometimes you may find that the insurance company appraiser may negotiate with that more expensive shop to repair the car at a cheaper price. In otherwords, the shop's estimate isn't always cast in stone as is the insurance company's.

: : I agree with everything you said but with one extra condition. While it is true that any body shop can be chosen, that does not obligate the insurance company to pay more for the repair (at the chosen shop) than the average price that other shops would charge. For example, suppose that you have four body shops in your town. Three of them want $2000 for the repair and one wants $3000. You can take the car to the $3000 shop if you want but the insurance company is within their rights to only pay $2000 and have you pay the extra $1000.

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