- 1 Post By empire
- 1 Post By King Ludwig
September 25th, 2013, 08:10 AM #1
Dealing with Auto Insurance
I was rear ended last week. Exchanged all the info and their insurance Allstate is going to cover it. Problem is, I took it to a repair shop and the guy working did not give a written estimate but said it looked like it may be in the $3,000 ballpark for repairs. I take it to the Allstate Adjuster who claims its only $1300 worth of damage. I will go and get some written estimates and if they are all consistently higher than the $1300 Allstate official.....can anyone tell me what recourse I have?
September 25th, 2013, 08:13 AM #2
Don't insurance places still have approved shops for repairs? You might ask them about that.
September 25th, 2013, 08:22 AM #3
Usually the insurance company will give you the repair shop that they use. When someone rear ended my car, they gave me the name of the repair shop to use. I never asked how much it would be. Of course the person that hit me did not have insurance so my uninsured motorist coverage covered the costs. It might be a different situation if they have insurance.
September 25th, 2013, 08:26 AM #4
Ask them for an allstate approved shop. I have allstate and never have had a problem with them. We even happened to pick a shop that isn't technically an approved shop. But it worked out and they paid in full...
September 25th, 2013, 10:44 AM #5
I was rear ended about 5 years ago in my 4 runner, it was a 4k bill but I went to 3 of the approved garages and they picked which one to use.
However, last year a had a flat tire in my driveway so I got out the ratchet to lower the spare but it would not come down. I called AAA they also could not lower the spare but they got enough air the flat I could drive to the station close to work. They too could not lower the spare, Peter said to me did you ever get hit in the back....duh...well they didn't fix it and it was too late to go back so my spare is useless.
Always get written quotes and check the spare..
September 25th, 2013, 01:08 PM #6
One thing to look at when reading the estimates the insurance company gets is if they are putting in prices for "replacement with new" or a "reconditioned" part. A lot of times they will only pay for a recycled part such as a bumper that has been "bondoed" and sanded then primed for repainting. insurance tends to only want to pay for such and only new items like tail lamps they can not get a cheap fix for.
September 25th, 2013, 05:01 PM #7
You may be in the wrong hands on this one...