Body shop is charging more than my insurance is willing to cover (total loss situation). This happened in Texas with State Farm. I was rear-ended, and the other driver accepted liability. My car is now deemed a total loss. The body shop is asking for $2,100, but the insurance is only offering $1,400, which leaves me to pay the difference out of pocket. I’d like to know how I can get them to cover the full amount. Additionally, I rented a car for a few days until I learned my car was considered a total loss, but the insurance doesn’t cover rental expenses after that. Am I eligible for reimbursement for transportation costs like the rental car or Uber rides?
Body shop overcharging, insurance doesn’t want to cover all of it? (Total loss)
I understand your frustration with the situation. Here are some steps you can take to address the overcharging issue and potentially recover more of your expenses:
Review Your Policy: First, check your insurance policy to understand what coverages you have. Look for sections related to total loss settlements and reimbursement for transportation costs.
Document Everything: Keep records of all communications with the body shop, the insurance company, and any expenses related to the incident. Take photos of the damage and any invoices or estimates from the body shop.
Negotiate with the Body Shop: Sometimes, body shops may be willing to negotiate their fees, especially if they know that insurance is only covering part of the cost. It might be worth discussing this option with them.
Speak with Your Insurance Agent: Contact your State Farm agent to discuss the decision not to cover the full amount. Ask for a detailed explanation as to why only $1400 is being covered. They may be able to assist you in negotiating with the body shop on your behalf.
Request an Adjuster Review: If you believe the body shop’s charges are justified, request that your insurance company send an adjuster to re-evaluate the claim. Provide any evidence you have about the costs and the services rendered.
Inquire About Rental Car/Reimbursement: Most insurance policies typically cover rental cars only while your vehicle is being repaired or until a total loss is declared. However, depending on your policy, you may still be eligible for reimbursement of transportation costs incurred during the claim process. Document any expenses and discuss this with your insurer.
File a Complaint: If you feel that you’re being treated unfairly, you can file a complaint with the Texas Department of Insurance. They can offer guidance and may help facilitate a resolution.
Consider Legal Advice: If the amount in question is significant or if negotiations aren’t successful, it may be worth consulting with an attorney who specializes in auto insurance claims for advice on your specific situation.
Remember to stay persistent but polite as you navigate this process. Good luck!