In Reply to: Insurance not paying up! help! posted by Drex on October 09, 1999 at 18:38:23:
Maybe you should hand the adjuster a copy of a newpaper artical on the recent multi-hundred million dollar State Farm settlement.
Also let them know you have the phone number of the complaint dept of your state insurance department.
: Sorry about the cross-post. I just need as much input to this headache as possible.
: My sister's car (97 Nissan Sentra) was hit by someone else (his fault). He hit the fender and the right pass. door. The was a police report. The damage is extensive, but mostly sheetmetal. She took it to the local Macco's and their estimate includes a new door, bumper cover, wheel, etc. that totaled to $2790.14 for parts and labor.
: However, the insurance looked at it and said the car doesn't need new parts and wants us to use repainted used parts. Also, they're not paying to fix some parts (like the damaged inner door and alignment) that Macco specified as in need of replacement. They also claim that the car had had pre-accident scratches that they're not accountable for. The estimate came out to be $1362.28, far below Macco's. Lastly, they pointed us to some pretty shady places 40-60 miles away to fix the car.
: My question is what are my rights and what am I entitled to? Can I request only genuine new parts? Can I use the bodyshop I trust? If so, how am I going to fight this? I don't want to hire a lawyer, but do I have a choice? Also, when I get compensated, am I obligated to fix the car or can I use the money for something else (like towards a new car)?
: Thanks for your help,