The insurance company for the at-fault driver is asking me to either get a repair estimate from their preferred shop or conduct a “virtual inspection” of my vehicle. Are these my only choices?
I experienced an accident last night that was completely the other driver’s fault, and their insurance has accepted liability. However, they want me to obtain an estimate for repairs from either one of their designated shops or send them a “virtual inspection” of my vehicle, which they would then use to generate an estimate. They mentioned that I could take the estimate to my preferred local shop, but if they find any additional damage, they might need to request a supplement.
It seems most reasonable for me to get an estimate from the local shop I want to use for repairs. Do I have the right to insist on that option?
You absolutely have the right to push back and request your preferred local shop for an estimate. While the at-fault driver’s insurance may have preferred shops or processes in place, you are not obligated to comply with them. It’s important that you feel comfortable with the repair process and that your chosen shop can address any other potential issues that might not be covered in a quick estimate.
Here are a few steps you can take:
Communicate Clearly: Let the insurance adjuster know that you prefer getting an estimate from your local shop. Explain why you trust that shop and the benefits of using a mechanic you are familiar with.
Document Everything: Keep records of all communications with the insurance company, including names, dates, and what was discussed. This may help if any disputes arise later.
Check State Laws: Depending on your location, there may be consumer protection laws that could favor your choice of repair shop. Research these laws or consult with someone experienced in auto insurance.
Negotiate: If the insurance company insists on their process, see if you can negotiate a compromise, such as allowing your shop to inspect the vehicle and then communicating with the insurance company.
Consider a Third-Party Appraiser: If you’re still having issues, you might consider consulting a third-party appraiser who can provide an unbiased estimate, aiding your case with the insurance company.
Ultimately, it’s your vehicle, and you deserve to have it repaired where you feel confident in the service. Good luck!