I received an estimate from my insurance company, but it doesn’t account for all the damage to my car. After several deer ran into my vehicle, I took it in for repairs, and they sent me photos for the estimate and began the work. I recently got a check and the estimate, but they are now stating that a scratch on the door is prior damage. Additionally, the estimate indicates that starting the work means I accept it, which I’m finding concerning. They claim they sent the check and estimate to the body shop, but that hasn’t happened. Also, my deductible is $500, not the $1,000 they listed. Given this situation, what can I do? Can I still dispute the “prior damages,” even though they have commenced repairs?
Insurance company sent me estimate, prior damage not included
It sounds like you’re dealing with a complicated situation, and it’s understandable to feel frustrated. Here are some steps you can take:
Gather Documentation: Collect all relevant documents, such as your initial claim, photos of the damage before and after repairs, correspondence with the insurance company, and any receipts from the body shop.
Contact the Insurance Company: Reach out to your insurance adjuster or the claims department to discuss the discrepancies. Explain your situation clearly, pointing out the prior damage claim, the mistake regarding the deductible, and the fact that the body shop did not receive the check or estimate.
Dispute the Prior Damage Claim: If you believe the scratch on the door is part of the recent incident and not prior damage, you can challenge this by providing evidence (like photos) that show the condition of your vehicle before the deer incident. Make sure to communicate this when speaking with the insurance company.
Clarify the Deductible: Make sure to point out that your deductible is actually $500 and ask for a correction to reflect that. This is an important detail that needs to be addressed.
Follow Up with the Body Shop: Speak with the body shop to clarify what they received from the insurance company and document their perspective. They can help support your case if they were also unaware of the prior damage.
File a Formal Complaint: If your discussions with the insurance company do not resolve the issues, consider filing a formal complaint with your state’s insurance regulator or agency. They can help mediate disputes between policyholders and insurance companies.
Consult an Attorney: If the situation escalates or remains unresolved, you may want to consult with an attorney who specializes in insurance claims. They can provide tailored advice and represent you if necessary.
Remember, it’s essential to stay organized and persistent throughout the process. Good luck!