The insurance company of the at-fault driver is asking me to either get an estimate from one of their preferred shops or conduct a “virtual inspection” of my vehicle. Are those really my only options?
To summarize my situation: I was in an accident last night that was entirely the other driver’s fault, and their insurance has accepted responsibility. Now, they want me to obtain a repair estimate from either a shop they prefer or complete a virtual inspection, which I would then send to them for an estimate. They mentioned I could take the completed estimate to my preferred local auto shop, which could request additional funding if they find more damage.
Logically, it makes more sense for me to get an estimate from the local shop where I plan to have the repairs done. Do I have the right to insist on that option?
You definitely have the right to push back on the insurance company’s request. While it’s common for insurance companies to have preferred shops or processes, you are not obligated to use them. Here are a few steps you can take:
Express Your Preference: Communicate with the insurance adjuster and explain your desire to obtain an estimate from your preferred local shop. Emphasize the importance of having the car repaired at a place you trust.
Ask About Policy: Inquire if their policy allows for estimates from your chosen shop instead of just their preferred options. Some insurance companies may be flexible, especially if you can provide a valid reason for your choice.
Document Everything: Keep records of all communications with the insurance company. If you proceed with your own estimate, make sure to document the findings and expenses.
Supplemental Claims: If you do go with your shop, remind the insurance company that any additional damage can be addressed through a supplement, as they mentioned.
Consumer Rights: Be aware of your rights as a consumer; you’re entitled to choose where your vehicle gets repaired. Reference your insurance policy if needed.
Ultimately, it’s in your best interest to get an estimate from a shop you trust, so don’t hesitate to advocate for that.