Is it common for an adjuster to refuse payment for a diagnostic?
I recently filed a claim for a collision and the adjuster covered all the necessary repairs, which was appreciated. The car is back and the body work looks fantastic, but I’m still seeing a fault with the parking sensors.
The body shop informed me that their scan tool detected an issue with the rear sensors. However, since the collision only involved the front of the vehicle, the adjuster is denying payment for any diagnostic work, despite the fact that the sensors were functioning correctly prior to the accident and there haven’t been any additional issues.
My agent is working on escalating this matter, but is there anything else I can do? Is this kind of situation typical?
It sounds frustrating to be in this situation, especially after the body shop did the repairs and the sensors were functioning prior to the accident. Unfortunately, it’s not uncommon for insurance adjusters to deny coverage for diagnostics if they believe the issue isn’t directly related to the accident, despite your evidence.
Here are a few steps you can consider taking:
Get Documentation: Ensure you have detailed documentation from the body shop stating that the sensors were functioning before the accident and the nature of the fault after repairs. A report or written statement can strengthen your case.
Communicate with Your Agent: Since your agent is already escalating the issue, maintain regular communication with them. Provide any additional evidence or documentation that supports your claim.
Request a Second Opinion: If possible, get another auto shop or technician to assess the situation and provide their perspective. This added evidence can be helpful in negotiations with the adjuster.
Review Your Policy: Check your insurance policy for specifics regarding coverage for diagnostic fees and situations related to repairs following an accident. This could provide clarity on what should be covered.
Consider an Appeal: If the adjuster continues to deny the claim, ask your agent about the process for appealing their decision. You have the right to dispute the claim based on the evidence you have.
Document Everything: Keep a thorough record of all communications with the adjuster, your agent, and the body shop. This can be invaluable if you need to escalate the issue further.
Ask for a Supervisor Review: If your agent is unable to help, it might be worth asking to speak to a supervisor or a higher authority within the insurance company to review your case.
Remember, persistence can often pay off in these situations. Good luck, and I hope your issue gets resolved soon!