For auto insurance claims, when the other party is 100% at fault why will the insurance not pay 100% of the estimated damages?
I have three estimates, all within $100 of each other and their insurance company is refusing to pay the full amount. They will only pay a fraction of the damages.
How do I get them to pay 100%? Why are they putting up a fight when the other person was 100% at fault?
2007-02-20 13:08:00 · 6 answers · asked by wendysorangeblossoms 5 in Cars & Transportation ➔ Insurance & Registration
If I only had liability insurance will my insurance company still fight it out with them?
2007-02-20 13:22:01 · update #1
The car I am talking about belongs to a customer and I am the body shop. My estimate is the same as two other body shop's estimates. The insurance company will only pay $2000 when the actual estimates are $2800. What's the problem here? Why won't they just pay?
2007-02-20 13:26:25 · update #2
It's hard to say why they won't pay. Maybe you are charging too much for labor than what they pay; you didn't really give specifics. They don't have to pay you what you want. They should see the vehicle themselves and pay what their adjuster says the cost is to repair it. And no, with liability only your insurance won't fight it out with them. They can only go to battle if you have collision and they pay something on your behalf.
2007-02-20 22:38:01 · answer #1 · answered by Chris 5 · 1⤊ 0⤋
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2016-09-24 21:36:37 · answer #2 · answered by ? 3 · 0⤊ 0⤋
The insurance companies allow for betterment and depreciation. The insurance company also pays for reasonable cost of repairs, not overpriced labor rates. The insurance company doesn't pay OEM automatically, they pay LKQ, reman'd, repair vs. replace, OEM is always last. The insurance company pays claims off their estimate (or the estimate of their networked shop). If you're the body shop, you already know this.
Why are they putting up a fight? 1) Because they're a business, 2) because they'll only be able to recover based upon what I mentioned above, and 3) because it's called "Law of Damages."
If you have liability insurance, they won't help you...that's not what you're paying you for. But they can answer this question just as easily as I did.
2007-02-20 14:26:21 · answer #3 · answered by bundysmom 6 · 2⤊ 0⤋
Im confused... there are two possible reasons they are only paying a fraction:
a. they are finding you partially at fault.. therefore only paying the percentage their driver is at fault
b. they wrote an estimate and their estimate is less then the shops you went to.
IF its option a... your s.o.l... go through your company and they will try to fight to get your money back
if its option b... just let them and the body shop deal with it. take the insurance companies estimate to the body shop (body shops know they have to go off insurance estimates) if the body shop feels the estimate is unreasonable they WILL call the adjuster and try to work out supplements- this is not your job.
Theres many other reasons as well so you need to be more specific to get a better answer.... are the body shops charging me for labor? are they putting all new parts? (the insurance has every right to use the average labor price and put used/aftermarket parts on your car)
**** EDIT *****
Basically... adjuster are used to body shops trying to put all brand new parts and do repairs that are not needed in order to gain more money. Therefore, they do their own estimate that body shops work off of. They are generally more then happy to do supplements on those original estimates if you give them a call and tell them why you need it. Just be reasonable with them and unless you get a real jerk.. they will back. Keep in mind though that they have every right to use non-oem and lkq parts and to use average labor rates (b/c its not fair if a shop chrages outrageous rates or something) Just give them a call.. i do supplements all the time.
2007-02-20 13:21:32 · answer #4 · answered by Anonymous · 2⤊ 0⤋
Compare THEIR estimate to the ones you got on your own. See what they're leaving out.
And remember.. it is the other driver's insurance company's job to protect their client and try to save as much as possible.
Sounds as though you'll have to get YOUR insurance involved so that they can get in touch with HIS and fight it out. This is the best way to go.
.
2007-02-20 13:12:16 · answer #5 · answered by rob1963man 5 · 0⤊ 0⤋
you could save on your coverage with the help of study rates at DEALSQUOTE.information- RE automobile coverage declare? i become backing my automobile up and hit a delicate pole. If I record a coverage declare is this considered Collision or finished?
2016-09-29 09:49:32 · answer #6 · answered by durrell 4 · 0⤊ 0⤋