A car rear-bumped me, and now my car has a 1.5 inch dent and scratches. My insurance company adjuster determined that it was my fault, and it will only pay for the fixing of it (about $1,200) However, I want the entire bumper replaced and original Mercedes part instead. Can I argue with my insurance company ? or I have no merit.
2007-09-18 11:23:06 · 5 answers · asked by selina j 1 in Cars & Transportation ➔ Insurance & Registration
Unless your bumper is chrome - a dent in a bumper cover is usually repairable.
You can not force the insurance company to replace the part if a repair is appropriate. According to the policy - the insurance company has the right to repair/replace as they deem appropriate. Also- your insurance company has the right to use used and aftermarket parts - should they choose to replace the part. They don't have to buy you a new Mercedes part.
If they agree to a used bumper and you want a new one - you are welcome to pay the difference out of pocket.
Take the car to the shop of your choice. Show the shop the car and the estimate. If the shop disagrees with the adjuster's estimate -the shop will call the adjuster and they will work it out. Most body shops are familier with the process. Shops have no problem calling adjusters if they disagree with the estimate.
Per your question the rear bumper cover had a dent in it. The bar and absorbers are behind the cover. These can often be difficult to see when the bumper cover is on the car. It is not uncommon for me to write an estimate and once the car gets to the shop - for the shop to take the bumper cover off and now I can see damage to the bar/absorbers. In a case like this - the shop calls me- I may have to go back out and inspect the car again andI write a supplement.
Long story short - give the estimate to the shop and let them handle it. A good shop will make sure that the car is repaired appropriately and in accordance with manufature specifications.
2007-09-18 13:51:47 · answer #1 · answered by Boots 7 · 1⤊ 1⤋
haha no. You dont just "decide" what you want.
In your contract you signed you said that they could repair a part if repairable and replace with used and aftermarket or new parts if non-repairable.
A 1.5 inch dent and scratches is EASILY repairable- why on earth should they replace it and raise all our insurance rates? Could you imagine if every single part that had any damage on it was replaced with a new OEM part? Our rates are already high! You MUST be one of those customers that drives an adjuster crazy. "oh my precious mercedes!" If you want it replaced.. be ready to pay the extra cost out of pocket because besides that, you have no say here.
Your insurance is NOT going to give you back your car until it looks like it did prior to the accident.. why not let the experts worry about this instead of giving them a hard time before you even see the results?
2007-09-18 11:35:22 · answer #2 · answered by Anonymous · 2⤊ 1⤋
In maximum states, state regulation says that if the fee to repair the vehicle equals or exceeds seventy 5% of the vehicles fee then the automobile is a finished loss. the main that the coverage organization will pay you is the linked fee of the automobile. you're no longer legally entitled to greater effective than that (if the restoration value exceeds the vehicles fee). while an coverage organization finished losses a automobile -they sell it at salvage public sale to get better the somewhat some money paid. in case you prefer to maintain the automobile -they subtract what they think of they might get on the salvage public sale and supply you the automobile and the adaptation. The coverage organization does no longer care in case you restoration the automobile or turn it right into a backyard decoration. All they owe you is what you quite would have bought the automobile for - merely past to the coincidence, given its age, condition, mileage, recommendations. you should no longer have bought this automobile for $7000. If $5000 is what this automobile quite would have been bought for - it is all they owe you on it. you could no longer tension the coverage organization or all and sundry else to pay greater effective than the marketplace fee of the automobile. you're waiting to get a small quantity extra for tax/tag/call and absence of use (in the event that they did no longer grant you a apartment automobile). in case you weren't injured interior the coincidence: a million. mendacity and asserting you have been does no longer replace how the declare on you automobile is dealt with, 2. mendacity and asserting you have been is coverage fraud. in case you have collision coverage - call your organization and spot what they might grant to finished loss your automobile for. they might come back with an more advantageous form. if it is so, you could settle which comprise your organization and that they'll subrogate back against the different persons organization to get repaid. while they gets a commission - they'll forward your deductible to you. besides the undeniable fact that, your coverage organization can not pay greater effective than the marketplace fee of the automobile.
2016-10-09 10:25:07 · answer #3 · answered by ? 4 · 0⤊ 0⤋
Car insurance: can I have my insurance co. pay for my bumper to be replaced vs. fixing it?
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2014-07-15 02:24:42 · answer #4 · answered by Anonymous · 0⤊ 0⤋
If your bumper is repaired you will still have a 'Mercedes' bumper. What would you do if you had a dent in the roof...demand it also be replaced? You always have the option of using new parts vs. repair but YOU will have to pay the difference in cost.
2007-09-18 14:01:30 · answer #5 · answered by Anonymous · 0⤊ 1⤋
Car insurance: can I have my insurance co. pay for my bumper to be replaced vs. fixing it?
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2014-06-26 14:03:07 · answer #6 · answered by Anonymous · 0⤊ 0⤋
I'm not sure where you are located, but that sounds fishy to me. In California, the adjustor is not allowed to tell you you have to have it fixed, nor to force you to use anything but original parts if you want to do so. They always try to have it fixed or to get a used part or non-manufacturer replacement because it saves them money. In California you as a car owner can't be bullied that way.
Also, in most of the USA, the car that hit you from behind is almost ALWAYS the at-fault party. VERY rarely can you be hit from the rear and determined to be at fault.
2007-09-18 11:32:20 · answer #7 · answered by tallcowboy0614 6 · 0⤊ 3⤋
You can argue if you want to, but it probably won't do much good. They (the insurance) will take the cheapest possible route. Of course you can pay the difference and have it replaced instead.
2007-09-18 11:30:42 · answer #8 · answered by oklatom 7 · 1⤊ 2⤋