Insurance companies?

Question

I asked a question about the safety of a repaired frame on a 2003 Chevy Malibu. The insurance company wants to fix it, and that's fine with me, but only if they can guarantee me that it's just as safe as before. The body shop said it has damage to the bumper area (I was rear ended) and that they can straighten it out. I called the insurace company and asked them to guarantee me that the frame would be as fundamentally sound and safe as before it was hit and they wouldnt' do it. Do I have the right to make sure my car will be safe after the work it done? I have three small daughters and if it happens again I want to know that they won't be at any increased danger. Does the insurace company have to guarantee the repairs are safe?

I understand that they're not doing the work, but if they're saying okay fix it, doesn't that put them liable for the repairs just as much as the body shop? It's the insurance companies job to ensure that what's being done is the "right" thing and ensure that my car is getting taken care of, so doesn't that imply that they hold the safety of my family in their hands when they say fix it?

Answer 1

Interesting question -- you get a thumbs up from me on this one!

If an insurance company agrees to repair a vehicle (as opposed to totaling it), then they are, in essence, agreeing to return it to (or as close to as possible) its condition prior to the accident.

However, there is no implied guarantee with this work. At least not from the insurance company.

Answer 2

I would go with the shop advise. The insurance company has no way of knowing the answer to that question.

If the frame is bent where the bumper attaches, that does not sound like a safety issue. You may be losing sleep over a non-issue.

If the frame breaks, you would have an actionable event toward the insurance company no matter what they say or don't say. Just get them to deny the guarantee in writing and save it in your files.

Answer 3

It's the body shop's responsibility to guarantee the repair. The insurance company is not doing the work, they are just paying the bill.

Answer 4

The coverage organization isn't suing the different coverage organization. they are suing Sally. yet once you're speaking approximately $a million,000, that wasn't "suing" - that grew to become right into a no fault, medical fee declare fee, maximum probable. John is the two mendacity, or he does not understand the area. The coverage organization did no longer reason the autumn. yet whilst John filed a declare together with his coverage, he transfers his maximum appropriate to sue Sally, to his coverage organization. Then they attempt to "subrogate" - go after Sally to get their a reimbursement.