Dealing with State Farm

[lenky1]

Or the insurance and shop couldn't agree on charges. I am seeing that alot also.

 

[Bodyperson]

Or the insurance and shop couldn't agree on charges. I am seeing that alot also.

I can see that. Not submitting to their prevailing labor rate.

 

[junkyardhero]

All insurance companies will take care of you as long as you have full coverage insurance.

muh-huh and HR is there to protect you...

I've never heard of any insurance company and repair shop haggle over what the insurance company will pay.

when i was on the repair side of it, i had to haggle with insurance companies constantly. just because you didn't see it happening, doesn't mean that it's not happening behind the scenes.

 

[RustyRatRod]

This is wrong. Total misinformation. You have many factors at play here. First off read your policies. Cheap doesn't mean coverage. Uninsured motorist applies to just that. His insurance may not pay for your repairs for a ton of reasons. Conflicting stories, recorded statements play a part. Also if the other companies insured is uncooperative it can become difficult as there is a process legally that insurance companies must follow before approving or denying on an insureds behalf

That right there is EXACTLY why you NEVER speak with the "other" guy's insurance company. They are looking for ways to trip you up so they can blame you.

 

[RustyRatRod]

I have never experienced this. It is the body shops responsibility to get paid by the insurance company for any supplemental repairs after approval to repair.

That's right. It's called an amendment when the body shop needs to add more repair to the insurance company's estimate. If it was caused by the accident, they are bound by law to add it in most instances.

 

[RustyRatRod]

All insurance companies will take care of you as long as you have full coverage insurance. From personal experience, the insurance companies have always approved the lowest bid,sure you can go elsewhere but you will be responsible for the balance. I've never heard of any insurance company and repair shop haggle over what the insurance company will pay. Not to say that yours didn't.

If I had my way, I'd strap you to a table Frankenstein style, take a sharp knife and cut the outer skin layer off your lips, sew your mouth shut and let it grow together. Then do the same with your fingers. The word idiot doesn't even begin to describe you. No wonder I put you on ignore.

 

[crackedback]

You DO NOT have to use any shop suggested by state farm. Go to a shop YOU choose and have them deal with the "farm".

Never discuss anything with the other persons insurance, ever... like talking to the cops if they even think you are doing something wrong, just stop talking. It's not to your benefit.

 

[Bodyperson]

You DO NOT have to use any shop suggested by state farm. Go to a shop YOU choose and have them deal with the "farm".

We call it "steering"

 

[Bodyperson]

It's mostly about storage fees. These body shops crawl into bed with insurance companies to direct work to them. They make consolations in order to do that. One being no storage fees and another to low ball estimates so the end user just takes the check and walks away. It's called a "Direct Repair Program" or DRP .PLUS, the insurance company playes the "no guarantee" ball if you don't use their approved provider.

 

[schwinger]

The person at the repair facility is an estimator. Adjusters work for insurance companies and ya, that things toast. Do your homework and try to find one for sale that is in similar condition to your Trailblazer before the wreck. That will let you know what to except for a payout. Total losses rarely benefit anyone other than salvage companies.

Ok will do!

 

[schwinger]

You are in California. Maybe you do have a right to take your car where you want in most states, but State Farm is going to do what the State Insurance Department lets them do. If the Insurance Department lets them dictate the shop, then you could be out of luck.

I talked it over with my insurance today and told them what was going on as well as mentioned them trying to force me to use there shop. They told me it is against the law under California code 758.5 to where they can’t force me to use there shop and that I have every right to use another shop.

 

[schwinger]

Also to add, State Farm did reach out and said they can have an adjuster go to one of the shops that I got an estimate from and they can go over it with that shop.

Mentioned it to my insurance and they told me that’s a good option so I’m gonna set that up tomorrow but if they give me any more problems call them back up so they can help me out further.

 

[lenky1]

If you want feel free to post the estimate. I will gladly look at it for you. And body person is correct. The warranty game is bs. Warranty falls on the manufacturer of the parts and the shop doing the repairs. Not the insurance company