It is not uncommon for insurance companies to denycollision repair claims or at least undervalue them, leaving you with heftyout-of-pocket expenses. That doesn’t mean you have to pay the difference.
If insurance won’t cover your repairs in full, there areother avenues to pursue.
Why Insurance Companies Reject Claims
Auto insurance companies can reject claims for several ofreasons, and it’s more common than you’d think for the to do so. Denials mayresult because of disagreements over:
- OEM vs. aftermarket parts
- Replacement vs. repair
- Cost-per-hour for repairs
Insurance companies covering an at-fault driver may findyou partially liable, therefore partially responsible for repair costs.
Whatever the reason, the motivation is the same:insurance companies want to make money. They do that by minimizing what theypay out.
What You Can Do
If the insurance company you are working with will notcover the full cost quoted by your collision repair shop, then try:
- Subrogating your claim
If the other party in anaccident was at fault, but their insurance is finding you partially liable, youdo not have to fight them on your own. You’re not likely to get that far.Instead, file the claim with your insurance company. Although you will have topay your deductible, you are likely to get the green light for all recommendedrepairs, so you can get them done now. Meanwhile, your insurance company takeson the fight with the other party’s insurance to cover the full claim. If theyare successful, you’ll get a refund check in the mail for the deductible youalready shelled out.
- Working with your collision repair shop tofind ways to reduce repair costs
There are sometimes when OEMparts are strongly encouraged. There are also times when OEM parts wereincluded in the repair estimate, but experienced techs know that aftermarketparts will work just as well and last just as long. If you’re stuck payingout-of-pocket for some of the repairs, then ask your auto body shop how you canreduce costs without jeopardizing the safety or reliability of your vehicle.
- Arbitration to dispute the company’s estimate
As a last resort, you may seeklegal action. Of course, this is a costly process, but if you have paid yourpremiums on time and your policy states the repairs you need should be covered,then they should be covered. Unfortunately, it may take a judge’s orders to getthe coverage you’re entitled to.
At Quanz Auto Body, we make collision repairbetter. That means, first, we work directly with your insurance company toget repairs covered. In the event we run into a snag, we can help you navigatethe process, giving you tips on who to call, what to ask and information youshould share to make a case for your claim. We are happy to work withpersonal-pay clients to reduce expenses yet get top-quality repairs. Contact us today to findout how we can make your customerexperience better.