by Guest » Mon Apr 30, 2012 06:11 pm
Hi. We have a third-party property damage claim with an insurance company, as their insured was completely at fault for a collision. (We do not have collision or rental car coverage on our policy.)
We took our car to their recommended shop for an estimate; the estimate seemed very low. Not sure what to do next, we took the car to two other places for estimates; their figures, predictably, are well above the value of the car.
Additionally, the insurance company gave us a confirmation number to use to rent a car while it is being repaired.
The whole thing seems fishy...am I paranoid to hesitate in having the insurance company pay the shop & the rental car directly, or should we just send the insurance company the other estimates, not use their confirmation number for the rental, and wait & see if they change their repair determination to total loss?
Thanks --
We took our car to their recommended shop for an estimate; the estimate seemed very low. Not sure what to do next, we took the car to two other places for estimates; their figures, predictably, are well above the value of the car.
Additionally, the insurance company gave us a confirmation number to use to rent a car while it is being repaired.
The whole thing seems fishy...am I paranoid to hesitate in having the insurance company pay the shop & the rental car directly, or should we just send the insurance company the other estimates, not use their confirmation number for the rental, and wait & see if they change their repair determination to total loss?
Thanks --
Posted: Tue May 01, 2012 07:22 am Post Subject: Automobile repair
Use their confirmation number for the rental, and send the car for repair to their recommended shop. If you're dissatisfied after the repair work is done, point out the omissions or errors. Don't sign the release paper till you're fully satisfied.
And if you're sure that it is going to be considered a TL, get an independent adjuster for yourself. You'll get the estimate, which you can consequently forward to the insurance company, and ask for immediate redressal.
Posted: Tue May 01, 2012 07:35 pm Post Subject:
get an independent adjuster for yourself
There's no need to do this unless the process becomes adversarial -- the insurance company refuses to negotiate.
Like hiring an attorney, a public adjuster is compensated on the value of the claim recovery (typically 10%).
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