Unclear Estimate Increase from Repair Shop
I was recently involved in a rear-end collision where the other driver accepted full responsibility, and their insurance adjuster confirmed they would cover all repair costs.
I took my car to the shop recommended by the adjuster. The initial estimate came in at around $700, which seemed low for bumper paint and possible replacement, but the adjuster approved it.
After dropping off my car, the estimate unexpectedly increased to $1200. The body shop representative assured me that it had already been approved. However, when I reached out to the adjuster for confirmation, he mentioned that he hadn’t received the new estimate yet.
He reassured me that he had informed the shop he would cover everything based on the original $700 estimate, and that he would eventually approve the $1200 estimate.
My concern is whether I should be worried about this discrepancy or if it’s normal in these situations to trust the adjuster to handle the increased amount. What do you think?
It sounds like a frustrating situation, but it’s not uncommon for estimates to change once the body shop gets into the repair. Since the other driver’s insurance has already taken responsibility and the adjuster initially approved the $700 estimate, it’s a good sign that they will likely cover the additional costs as well.
Here are a few steps you can take to ensure everything goes smoothly:
Get Confirmation in Writing: If possible, ask the adjuster for a written confirmation that they will cover the costs as discussed. This can provide you with peace of mind.
Stay in Communication: Keep in touch with both the body shop and the adjuster. Make sure they communicate about the new estimate and ensure the adjuster is aware of the increase.
Document Everything: Keep a record of all communications (emails, phone calls, etc.) regarding the estimates and approvals. This will help if there are any disputes later on.
Trust the Process: If the adjuster seems confident and has a good reputation, it’s likely just a matter of formalities. Insurance processes can sometimes be slow and cumbersome.
Overall, it sounds like you’re in a good position since the other party’s insurance is covering everything. Just stay proactive, and you should be fine!