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Auto Insurance Claims/Repair estimate check

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Expert: - 8/10/2009


Question
Hello:

I was rear ended a couple of weeks ago and statefarm took 100% responsibility of the case. I got a call from claims department and they suggested me a repair shop. My repair estimate was ~ $1000. This shop sent the repair estimate to statefarm too. I was not satisfied with this autobody shop so I went to other ones who were authorized with statefarm. I got one who estimated $3000 for the same repair. I called statefarm to tell them my preference i.e. $3000 estimate autobody shop.
** I was wondering if I could ask for the check of $3000 issued on my name and if yes what should be the logical reason of asking for a check and not letting them pay the repair shop directly.
** The fact that they already have two repair estimates for my car and one is three times then another; would this mess up the probability of me making some money.

Please advice me they way I should approach the insurance co.

Answer
You can ask for the $3000 and they should pay you.  But if you intend to repair the vehicle, you should let them pay the shop - it will be much smoother and faster to get your car back.  If you want to pocket the money, you can, but make sure the car is safe to drive first.

Auto Insurance Claims

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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