The insurance company refuses to get my vehicle reappraised after they sent incorrect information to the appraiser.
I filed a third-party claim after someone hit my parked car outside my home, but dealing with the insurance has been a nightmare. The main issue is that my car was appraised with 75,000 km more mileage than it actually has. I saw the document at their office, and it’s clear they messed up.
When I asked my agent to arrange for a proper reappraisal, he said he didn’t want to do it because it would take an additional 5 to 10 business days. I’ve made it clear that the timeline doesn’t matter to me—I just want the correct value for my car, so I can be financially compensated as intended by my insurance.
He suggested that I hire my own appraiser, which feels like an attempt to pass the responsibility onto me. It’s frustrating, especially since the payout will come from the insurance of the person who totaled my car, not my own insurance. Yet, my company, which is supposed to advocate for me, seems uninterested in providing an accurate appraisal.
The settlement I received from that appraisal is just $2,700 CAD, while similar cars with the correct mileage are selling for between $4,500 and $6,000.
It sounds like you’re dealing with a frustrating situation, and it’s completely understandable to feel upset about the lack of support from your insurance company. When you reported the claim, you expected to receive fair treatment and accurate compensation for your vehicle, and it’s disappointing that they are not stepping up to rectify the mistake on the appraisal.
Here are a few steps you might consider taking:
Document Everything: Keep detailed records of all communications with your insurance company, including dates, times, and the names of anyone you speak with. This will help if you need to escalate the matter.
Request a Reappraisal in Writing: Since your agent seems resistant to the idea, put your request for a reappraisal in writing. Clearly state your reasons and include proof of your vehicle’s actual mileage. This might help push the issue through.
Contact the Insurance Ombudsman: If your insurance company continues to refuse to act, consider reaching out to an insurance ombudsman or your country’s insurance regulatory body. They can help address unresolved complaints.
Explore Other Options: If feasible, consider hiring your own appraiser to get an independent valuation, even if this is an expense upfront. You can discuss the option of reimbursement later with your insurance company.
Consider Legal Advice: If the situation does not improve, seeking legal advice might clarify your options and help you understand if you have grounds for further action.
It’s ironic that they suggest you go out and find an appraiser when they should be ensuring you get treated fairly, especially since the payout comes from another insurer. Don’t hesitate to fight for the compensation you deserve!