Comments on: Low car insurance adjustment from liable company’s adjuster?

By: la428282

la428282 — Mon, 30 Nov 2009 13:32:59 +0000

Oh lord.. the insurance adjuster AND the body shop both said they will work out the difference- what more do you want?

Body shops alot of the time will charge an individual higher labor rates then an insurance company. They are not going to give you worse work b/c you are going through insurance. Also, sometimes when you go through a body shop as an individual they will replace parts that only need repair in order to increase their profit- insurance will repair a part if it can be safely.

You are nit picking a situation where it looks like everyone is trying to help you. Why dont you just let them repair your car and see if your happy with it before you get your panties in a wad?
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By: bundysmom

bundysmom — Mon, 30 Nov 2009 12:59:59 +0000

What the insurance adjuster told you is correct. They owe to return your vehicle to preloss condition….they do not owe a body shop $300 in additional labor rates. Take the car and the estimate for $450 you got to a shop & let the shop deal with the insurance….the insurance companies financial obligation is to you, NOT the body shop.
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By: patti duke

patti duke — Mon, 30 Nov 2009 12:25:59 +0000

These are the worse type of claims to settle to everyone’s satisfaction, ever! I work in the industry and look at this type of damage numerous times a week. Everyone has old damage on their bumpers, that’s what bumpers are for for heavens sake.

So here it is, you are entitled to be put back to the position you were in prior to this accident happening. If you had old damage on your bumper that is not this person’s responsibility and all you will get is a paint allowance. You didn’t mention how old your car is, that factors into things as well. Paint depreciates just like your car does, it oxidizes and loses luster. Would you be happier with the insurance company repairing that one spot on the bumper and you ending up with mismatched paint? I don’t think so.

Finally, if you are getting quotes in excess of $700 for minor bumper damage only then you are getting hosed unless you are driving a luxury vehicle. You could get a used bumper, have it painted and replaced on your vehicle for less than these quotes. Don’t tell me I don’t know what I’m talking about because I do. The offer is fair, take it and get your bumper repaired.
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By: Kiffin

Kiffin — Mon, 30 Nov 2009 12:17:59 +0000

If you have Collision insurance file with your own company and let them argue with the other driver’s insurance company. If you don’t, just check around for other shops who may do the repair for the amount the company paid. You are not obligated to accept the payment from the other driver’s company; you may have an attorney look into it (but since there’s so little damage, you may be hard-pressed finding an attorney willing to handle the case). Remember there are "gypsies" who may also fix the car for much less than the payment (they are non-licensed, itinerant repairmen who deal in slightly shady procedures, so don’t ask if you’re not prepared to lie to the police!)
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