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Insurance and repair question
Posted on 9/7/22 at 8:34 am
Posted on 9/7/22 at 8:34 am
We’ve been blessed to go through life without an accident but recently my wife (no pics) was rear-ended (not sexually). Insurance company’s preferred body shop was extremely busy so they said we could use one of our choosing. We chose a reputable shop here in this area and after the insurance company sent the claim we brought our vehicle to the shop.
I’m guessing the shop sent in a supplement for something additional because A week later we get a call from the insurance adjuster saying that they were having trouble coming to a resolution with the shop on the repairs. He stated that we would have to come out of pocket for a portion of the repairs $900. My wife proceeded to tell him we aren’t paying a dime and we want to be made whole.
Is this typical insurance run around or should we reach out to an attorney?
I’m guessing the shop sent in a supplement for something additional because A week later we get a call from the insurance adjuster saying that they were having trouble coming to a resolution with the shop on the repairs. He stated that we would have to come out of pocket for a portion of the repairs $900. My wife proceeded to tell him we aren’t paying a dime and we want to be made whole.
Is this typical insurance run around or should we reach out to an attorney?
15
Posted on 9/7/22 at 8:37 am to cassopher
Paging CaptainsWafer.
Posted on 9/7/22 at 8:40 am to cassopher
Some body shops are like the billboard attorneys of car repair. They’ll claims all sorts of things are crash related to pad the bill. The insurance company probably isn’t just randomly denying it, they question how such a part was damaged in your specific collision. What’s the part?
Posted on 9/7/22 at 8:41 am to cassopher
Yes, very common. Usually the body shop adjuster will go back and forth with the insurer and get them pay in the end. Talk to the body shop and see what they recommend. If the body shop gives up on arguing with the insurer, you don't necessarily need an attorney, there are independent adjusters who live for fighting with insurance companies.
Who is the insurance company?
Who is the insurance company?
Posted on 9/7/22 at 8:41 am to cassopher
Is it your insurer or the person who hit you?
Posted on 9/7/22 at 8:42 am to greenbean
quote:
Who is the insurance company?
USAA
Posted on 9/7/22 at 8:44 am to cassopher
quote:
USAA
USAA is usually good about paying, this may be on the body shop.
Posted on 9/7/22 at 8:45 am to DevilDagNS
quote:
Is it your insurer or the person who hit you?
The person who hit us.
Posted on 9/7/22 at 8:51 am to cassopher
quote:Good for her. I wouldn’t pay a penny for damages someone else caused either. What the hell’s the point of insurance?
My wife proceeded to tell him we aren’t paying a dime and we want to be made whole
Posted on 9/7/22 at 8:53 am to greenbean
quote:
USAA is usually good about paying, this may be on the body shop.
This has been my experience with USAA. They've been fair, and actually kind of generous, with payments on the claims I've had with them. I've had to answer a few questions or provide more info but haven't had them deny a legitimate cost. Sounds like the shop is trying to be slick and the adjuster's staying ahead of them.
Posted on 9/7/22 at 8:55 am to cassopher
quote:you'll have to provide a retainer. that will be more than 900. if they can't resolve it. call the corporate office every day for 3 or 4 days. you will get things resolved. I know from experience.
s this typical insurance run around or should we reach out to an attorney?
also find out what they can't agree on.
Posted on 9/7/22 at 9:00 am to greenbean
quote:
USAA is usually good about paying, this may be on the body shop.
That’s rich. If I were the OP, I’d run it through my own insurance.
USAA may be good on first party property damage claims but they will frick you all day on third party claims.
None if this is to be construed as legal advice.
Posted on 9/7/22 at 9:01 am to cassopher
quote:well then you’re doing it wrong
was rear-ended (not sexually).
Posted on 9/7/22 at 9:05 am to cassopher
quote:Don't forget to file your claim for diminished value once the repairs are done.
The person who hit us.
You'll take a hit on the trade-in or resale value because of the accident history. If the other party was at-fault and their insurance is paying, they owe you for the difference in value.
Posted on 9/7/22 at 9:11 am to Motorboat
quote:
USAA may be good on first party property damage claims but they will frick you all day on third party claims.
Have never had any sort of issue with USAA
Posted on 9/7/22 at 9:12 am to cassopher
Supplemental additions to a claim are common. It's hard to know what all is damaged until the mechanics and body folks get in there and start working. USAA needs to fix the vehicle in full. You'll have to stay on them to get it done but usually if you don't roll over they'll end up paying it.
Posted on 9/7/22 at 9:18 am to Tiger Prawn
Make a claim for loss of use of the vehicle and log the days you can't use or don't have your vehicle.
This post was edited on 9/7/22 at 9:19 am
Posted on 9/7/22 at 9:19 am to cassopher
I own a bodyshop, not in your area. I deal with USAA on an almost daily basis. I'm also not a USAA "preferred" shop. I have never had an issue with them paying for something that is accident related. This is very likely on the bodyshop. Like a poster said above, there are some shops out there that are just like the billboard attorneys, trying to screw the insurance companies any chance they get. Don't get me wrong, some insurance companies are harder to deal with than others. But, I have never had an issue with USAA.
Posted on 9/7/22 at 9:19 am to cassopher
Have they told you specifically what’s in dispute? (Part prices, labor rates etc)
Posted on 9/7/22 at 9:22 am to Tiger in the Sticks
quote:
Have they told you specifically what’s in dispute? (Part prices, labor rates etc)
My wife didn’t get those important details during her tirade yesterday. I’ll be calling them shortly.
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