by Guest » Wed Mar 04, 2009 04:51 pm
my story is i was involved in an auto accident which really wasnt my fault but both insurances decided both parties were at fault that each person's company pay for their own damages. so i get my repair estimate and check. i review the estimate, and i see that they paid me for RECYCLED parts! the worse part is they gave me a different place for every major part all at least 1½ hour drive from my home. so they expect me to either drive out to get all of these parts or pay shipping for the not so small parts like bumper, fender, ect. its ridiculous i cant just go to a local dealership to buy the parts with the money they've given me which is less than half of the msrp
Posted: Thu Mar 12, 2009 11:32 am Post Subject:
In your scenario, you the insurer sourced the part.
No in my scenario I was the adjuster writing the estimate and working for the company that is ultimately paying for it..regardless of 1st or 3rd party...If a repair shop chooses to use the insurer repair estimate instead of their own repair plan and estimate based on their expertise and to use the part you sourced, does the insurer carry any liability in the performance of that part or are you merely writing an appraisal on which to indemnify the policy holder or making an offer for settlement for damages to a third party and you carry no liability for the use of the parts you sourced
Of course all I can speak to specifically is the company I work for...Let's make it completely third party (knowing 1st party would of course follow ok?)Here the deal...I write an est at a shop (let's say non-drp) Billy Bob's body shop and I source a used door from Joe Blows Junk yard...Billy repairs the car using that door..he has no issues and therefore brings none to my attention...the car is delivered and two months down the road the regulator motor goes out. (don't EVEN get me started in why the company I work for doesn't allow those to be switched out I've fought that fight for ten years :roll: )...Customer either calls me or Billy does, some how I'm made aware...I go to the shop sure as shootin' the reg. motor has gone out....I tell Billy, 'Put a new regulator motor in the door, here's the money'.. (will the yard kick some of the money back...no...should they IMO no, will someone above me think I should try? maybe, never heard that one yet :roll: from higher ups, but I'd likely laugh) same of course with an ins....similar situation only this time I go to Mr. Claimants home write the estimate, same thing tell him take estimate to the shop of your choice and have them call me with any questions PRIOR to beginning work...I would also ask the owners to let me know what shop and when they are dropping so i can check in on the repair from time to time.. So this guy calls me two months out same thing...I go to shop determine they got door from some where OTHER than where I sourced it...sorry can't help ya...they got it from where I sourced it..ok same thing....put a new regulator motor in it...here's the money..
The shop that performed the repairs can not claim later if the part fails, we used the parts a third party insurer specified or those parts that your insurer based their amount of loss on?
So I guess to answer your question...yes they can! and I don't see why they couldn't...
fyi, the above (3 or 4) scenrios have ALL happened...and more! :)
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