Auto Insurance Claim Help Needed
A couple of months ago, I was involved in an accident where I wasn’t at fault and had the exterior of my car repaired. Shortly after, I noticed a coolant leak but didn’t have time to get it checked since I’m a technician and was busy with work. Unfortunately, the leak worsened to the point where my car became undriveable.
I took the car to the dealership because I suspected the issue was related to the accident. They confirmed my suspicions and wrote a report stating the damage was indeed accident-related—specifically, that a pushed-in headlight had cracked the radiator.
I contacted my insurance, only to be told that their appraiser deemed it “normal wear and tear.” I submitted the dealership’s report but didn’t provide any photos of the damage. Now, I’ve been trying to reach my adjuster and the appraiser but haven’t received any response to my calls or emails.
What should I do next?
EDIT: I’m in the process of trying to sell the car and really don’t want to pay $1,700 out of pocket to replace the radiator. However, I’m also losing money every day having to rely on Uber for transportation.
I’m sorry to hear about your situation. It sounds incredibly frustrating, especially after dealing with the initial accident. Here are some steps you might consider taking:
Documentation: Since you have the dealership report stating that the damage was accident-related, gather all documentation related to the accident, repairs, and the coolant leak. Ensure you have copies of the dealership report and any previous communications with your insurance company.
Follow Up: Keep trying to reach your insurance adjuster and appraiser. Consider asking to speak to a supervisor if you’re not getting responses. Persistence can sometimes yield results.
File a Formal Appeal: Check your insurance company’s policy for the appeals process. You may need to formally contest their decision regarding the “normal wear and tear” assessment. Include all relevant documents, including the dealership report.
Seek Advice: If you’re still facing challenges getting your claim honored, consider reaching out to a local consumer protection agency or a legal professional who can offer advice specific to your situation and state laws.
Consider a Third-Party Appraisal: If funds allow, you might get a third-party appraisal to support your claim. This could provide another perspective on the damage and its relation to the accident.
Explore Other Options: If the situation remains unresolved, you might also consider looking into small claims court, where you can present the evidence of your losses.
Consider Transportation Alternatives: In the meantime, researching options for short-term transportation might be worthwhile to reduce the costs you’re incurring with Uber.
It’s tough facing all this, especially when you’re trying to sell your car. I hope you’re able to resolve it soon!