Does her insurance have to take my estimate no matter how high it is? Just need some pointers....
2006-12-19 08:10:40 · 10 answers · asked by sinfulheaven777 2 in Cars & Transportation ➔ Insurance & Registration
They do not have to accept it but if it is a reasonable estimate, they will probably cut you a check once you have one estimate.. as long as it's reasonable.
If they dont want to pay the full amount of the estimate you can take them to small claims court and sue... and you will definately win. But in small claims court you will need to bring 3 estimates or a receipt showing you paid for the repair.
2006-12-19 08:49:23 · answer #1 · answered by NY1Krr 4 · 0⤊ 1⤋
If she backed into your car, chances are they have found her at fault. As such, she needs to compensate you for your losses. But no, her insurance does not need to take your estimate no matter how high it is. If for example you have a car worth $500 at the time of loss, they won't give you $2,600 for repairs, but only your loss, which would be $500, the worth of the car and then they would take the car which they had bought from you for that amount. If you were to wind up in court or before an arbitrator, you would only get REASONABLE expenses for your loss.
2006-12-19 18:59:01 · answer #2 · answered by oklatom 7 · 0⤊ 0⤋
Her insurance has the right not to accept estimates that are unreasonably high.
But if you want a smooth and hassle free experience, ask her insurer to provide you with a list of 'preferred vendors'.
If you go to one of the insurer's preferred vendors, they ususally will make the effort smooth and in most cases offer a lifetime warranty on the repairs so that if something ever goes wrong, they'll make good on it.
If you pick the shop on your own....you usually won't get the same kind of warranty.
2006-12-19 17:56:21 · answer #3 · answered by markmywordz 5 · 1⤊ 0⤋
They don't have to accept it, no. An adjuster will review the estimate and determine if it is a reasonable estimate. The goal is to restore your car back to the pre-accident condition, so if your estimate is for a bunch of stuff that you didn't already have, the adjuster can deny it and ask for a revised estimate.
2006-12-19 16:27:13 · answer #4 · answered by Beth 4 · 1⤊ 0⤋
No one is under any obligation to accept a repair estimate that is higher than prevailing market costs. If her insurance company feels your estimate is out of line they will send an appraiser to inspect and write one of their own estimates.
2006-12-19 17:43:24 · answer #5 · answered by Anonymous · 1⤊ 0⤋
Her insurance company should do their own estimate and pay off of that.
2006-12-19 20:55:31 · answer #6 · answered by Chris 5 · 1⤊ 0⤋
they might ask for 2 or 3 estimates but nowadays most companies are able to do their own estimates, they know what parts cost and they know what local prices are
2006-12-20 05:07:10 · answer #7 · answered by Loollea 6 · 0⤊ 0⤋
Most insurance companys will ask for more than one estimate. They will usually go with the smallest one. You can contact her insurance company and ask them to recomand a shop. They are most likely to pay whatever their shop recomends. This happened to me last week. They told me where to go and I took my car there. Just make sure it is a good certified body shop.
2006-12-19 16:15:24 · answer #8 · answered by Better_than_you 3 · 1⤊ 1⤋
The usual practice is to present 3 different bids or her insurance company already has an agreement with a body shop that they use exclusively.
2006-12-19 16:16:27 · answer #9 · answered by Anonymous · 0⤊ 1⤋
they will give you a fair estimate
2006-12-20 03:29:30 · answer #10 · answered by cory m 2 · 0⤊ 0⤋