How to Negotiate with Your Insurance Company
I recently had an unfortunate incident where I hit a deer on my way to work in my 2015 Mitsubishi Outlander Sport. The body shop initially assessed the damage and estimated it would take around $5,500 to repair, considering it needed a new fender, hood, bumper, and headlight. However, upon further inspection after removing the bumper, they discovered additional damage to the transmission cooler and bumper, as well as, critically, damage to the airbag control harness. This brought the total damage estimate up to $9,500.
Now, the insurance company has offered to pay $6,300, but they plan to use recycled parts. While I’m okay with some used parts, my main issue is that they intend to repair the airbag harness instead of replacing it with a new one. The cost of a new harness is $2,200, which seems to be why they’re hesitant to replace it.
Is there a strategy I can use to contest their decision? I’m fine with used parts for most of the repairs, but I’m really concerned about the safety implications of not replacing the airbag harness. Any advice would be greatly appreciated!
I’m sorry to hear about your situation. It’s definitely frustrating when dealing with insurance companies, especially concerning safety components like the airbag harness. Here are some steps to help you argue your case:
Document Everything: Collect all relevant documentation, including the initial damage assessment, subsequent findings from the body shop, and any recommendations they made regarding repairs.
Get a Detailed Estimate: Ask your body shop for a detailed written estimate that specifies the necessary repairs, including why the airbag harness must be replaced rather than repaired. Having a professional opinion can strengthen your argument.
Research Safety Standards: Look into industry standards for airbag system repairs. Many experts recommend replacing damaged components rather than repairing them, especially when it comes to safety systems. You might find resources that support your stance.
Contact Your Insurance Adjuster: Reach out to your insurance adjuster to express your concerns directly. Clearly explain the safety implications of repairing the airbag harness and emphasize that your priority is ensuring safe operation of the vehicle.
Request a Re-evaluation: If possible, request that an adjuster inspect the vehicle again, ideally in conjunction with your body shop. Sometimes, a face-to-face discussion can clarify the necessity for specific repairs.
File a Complaint: If the insurance company remains unresponsive, consider filing a complaint with your state’s Department of Insurance or the Better Business Bureau. This can sometimes prompt them to reconsider their position.
Consult with an Attorney: If you feel strongly about the issue and the insurance company still won’t budge, it might be worth consulting with an attorney who specializes in insurance claims.
Consider Alternative Insurance Claims Options: If you have a policy with comprehensive coverage that includes the right to dispute claims or utilize an appraisal clause, you may want to explore those options as well.
Remember to remain calm and assertive throughout this process. Good luck!