Car Insurance Repair Check and Total Loss Issues
Before Thanksgiving, I accidentally hit a raccoon, which resulted in about $1,900 worth of damage to the front end of my car. Initially, I planned to wait until after the New Year to get it fixed, but my insurance company decided to send me a check for $1,400 (the original damage minus my $500 deductible) for repairs. I chose to go with their preferred repair shop and submitted the check directly to them. The shop cashed the check, not me, and my car was repaired.
However, something went wrong during the repair process, leading to my transmission blowing out. As a result, my insurance company totaled the car. Now, they’re claiming the $1,400 check should be deducted from my total loss payment, labeling it as “free money.” This is incorrect; I handed the check over to the repair shop, which is also their preferred provider. I utilized the funds exactly as intended and have proof to back this up.
Is there anything I can do to prevent the deduction of this $1,400 from my total loss payment?
It sounds like a frustrating situation, and it’s understandable that you want to resolve it fairly. Here are a few steps you can take to address the issue:
Document Everything: Gather all relevant documents, including the original check, the repair invoice from the shop, and any correspondence with your insurance company. This evidence will be critical in making your case.
Contact Your Insurance Company: Reach out to your insurance adjuster or representative to explain the situation clearly. Emphasize that the check was used for its intended purpose and that you have documentation to support this.
Request a Review: If the initial representative is not helpful, ask to escalate the issue to a supervisor or a claims manager. Explain your situation again and present your documentation.
File a Formal Appeal: If your insurance company maintains their stance, inquire about their formal appeals process. This may involve writing a letter detailing your situation and providing supporting documents.
Seek Legal Advice: If you still can’t resolve the issue through your insurance company, consider consulting a lawyer with experience in insurance claims. They can provide guidance on your rights and possible next steps.
Lodge a Complaint: If you believe you’re being treated unfairly, consider filing a complaint with your state’s insurance commissioner. They can investigate and help mediate disputes between consumers and insurance companies.
Consumer Protection: You might also want to look into consumer protection agencies or organizations that deal with insurance issues. They may have additional resources or advice to offer.
It’s essential to stay calm and persistent throughout this process. Clear communication and proper documentation will be your best tools in resolving this matter. Good luck!