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Auto Insurance Claims/bent frame
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Question
my mother was in an accident. its a 2008 car. did $8000 in damage. it was hit in the front tire on the passenger side. it bent the frame. the adjustor said subbaru car frames come in 3 pieces and can be ordered and welded together. i thought a bent frame would mean the car was a total loss. also, do they have the right to find used car panels etc... to replace parts or does she have the right to have everything brand new? the accident happened in pennsylvania and she is from maine and they said this will take a few weeks. time is money for her. thank you
Yes they can replace pieces of the frame. In fact it also acceptable to repair/straighten the frame. Unless the was was less than a year old, its ok to go with used parts. As to the repair time, if its your own company, you get a rental car if you have a rental car coverage endorsement. If its the other drivers insurance company, they owe you a rental car during repairs.
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Answers by Expert:
Ron Cercone
Expertise
How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.
Experience
I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.
Organizations
CAPIA (California Association of Public Adjusters).
Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .
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