Car accident... ug! Insurance Question.

[MaDHaVoK]

My younger brother got into an accident and he is having problems with his insurance. For starts they want to give him used parts. Can they do this? Secondly the appraiser from his insurance company isn't even giving enough money to get it fixed! Ever shop he brought the car to told him about $3000 and the appraiser is only giving him $2200. Minus the $500 deductible and he is only getting a check for $1700. I realize he has to pay the deductible, but what happens when they appraise the damages less than the price you can really get it fixed? And does he have to accept used parts?

Thanks!

 

[Lager]

Why would he have to accept used parts? You should take the repair bill to the appraiser to get the correct amount.

 

[Kalvin00]

...................

 

[MaDHaVoK]

Lost the message on the original post.

 

[MaDHaVoK]

bump for some help

 

[fredtam]

Yes they can use used or reman. parts. What car is it? They are only obligated to pay up to the value of the car. Usually if the car is not a total loss ie. the parts to fix it exceed the value you can provide estimates and they will bump up the amount they will pay. Talk to a supervisor, contact your states insurance advocate, threaten a bad faith claim.

 

[falconx80]

yes they can use any used parts as long as they are able to locate one on their pc.

if the amount of money they gave you to fix the car is not enough, tell the body shop to contact your insurance company so they can reappraise the vehicle.

 

[falconx80]

but make sure that the body shop is an authorized body shop approved by your insurance company.

 

[Windogg]

Call the insurance company and request a reappraisal. None of my appraisals seems to be on target. Most adjusters just eyeball the car and give the estimate. With unibody construction and crumple zones, cars do a great job of concealing damage. I;ve had one appraisal for from $1,200 and end up at $7,000.