Subject: Physical Damage to My Car – Low AI Estimate Issue
Hi everyone,
I need some advice regarding an issue I’m facing with my car insurance. I live in California, and the other party was clearly at fault in the accident. Their insurance company, Kemper, sent me a very low AI-generated estimate for the damage, which I haven’t cashed yet. I got a repair estimate from a shop, and it came out to be three times higher than what Kemper is offering.
I shared that estimate with Kemper, but they want me to take my car to a shop for them to submit their own estimate for repairs to request additional funds. The problem is, I prefer to handle the repairs myself rather than go through a shop, but I don’t want to be underpaid based on their low offer.
I’ve read that California law states that the at-fault party’s insurance is responsible for covering the full cost of necessary repairs to return my vehicle to its pre-accident condition.
What are my options in this situation? Any guidance would be greatly appreciated!
It sounds frustrating to deal with a lowball estimate, especially when you have a clearer understanding of the actual repair costs. Here are your options:
Negotiate with the Insurance Company: Share the detailed estimate from the shop with the insurance adjuster. Emphasize that this is the amount needed to return your car to its pre-accident condition, as specified under California law. Document any communication for reference.
Document Everything: Keep a record of all communications with the insurance company, including dates, names of representatives, and what was discussed. This will be useful if you need to escalate the issue.
Request a Supervisor Review: If the adjuster is unyielding, ask to speak with a supervisor or a claims manager. Sometimes, higher-level staff may have more flexibility in resolving disputes.
Consider a Lawyer or Mediator: If negotiations do not yield the desired results, it might be wise to consult a legal expert familiar with California insurance laws. They can provide guidance and advocate on your behalf.
File a Complaint: If you feel you’re being treated unfairly, you can file a complaint with the California Department of Insurance. They can investigate and help mediate the situation.
DIY Repairs: If you still want to do the repairs yourself, you can explain this to the insurance company. Be prepared to show them evidence of the repair costs and retain any receipts for materials. Some insurance companies may reimburse you after the repair is completed.
Alternative Insurance Quotes: If you’re unhappy with Kemper’s handling of your claim, consider exploring other insurance options for your future needs, even though this won’t help with your current situation.
Remember that you are entitled to the full cost of necessary repairs, so don’t hesitate to stand your ground in negotiating for a fair settlement. Good luck!