The at-fault driver’s insurance is asking me to either get an estimate from one of their preferred shops or conduct a “virtual inspection” of my vehicle. Are these really my only options?
As mentioned in the title, I’m facing a bit of a predicament. I was in an accident last night due to the other driver’s negligence, and their insurance has accepted liability. However, they want me to get a repair estimate from one of their designated shops, or to perform a “virtual inspection” which I would send to them for an estimate. They did mention that I can take the estimate to my chosen local auto shop, and they would be able to request additional coverage if there are any unforeseen damages.
It seems logical for me to pursue an estimate directly from my local shop where I plan to have the repairs done. Do I have the right to insist on this option?
It’s understandable to feel apprehensive about having to get an estimate from a shop that the at-fault driver’s insurance company prefers. While they may strongly encourage you to go through their preferred shop or a virtual inspection, you do have the right to get an estimate from your preferred local auto shop.
Here are a few things to keep in mind:
Your Choice: You are not obligated to use their preferred shop. You can gather estimates from other shops as long as you communicate that to their insurance. It’s your vehicle, and you should have a say in where it’s repaired.
Documentation: When you get an estimate from your preferred shop, document everything. This includes photos of the damage, the written estimate, and any correspondence with the insurance company. This can help if the insurance tries to dispute the costs.
Request a Supplement: If your shop finds additional damage after repairs begin, the insurance will typically allow for supplements to the estimate, just as they mentioned. Make sure your shop is aware of this process.
Negotiate with Insurance: You can explain to the insurance adjuster that you feel more comfortable working with your local shop. They may be more flexible than you think.
Consumer Rights: Familiarize yourself with your consumer rights in your state regarding car repairs and insurance claims, as they can vary.
Ultimately, it’s in your best interest to get the repair done at a shop you trust. Don’t hesitate to assert your preference and push back if necessary. Good luck!