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Auto Insurance Claims/No fault insurance claim rights

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Expert: - 10/23/2010


Question
I was involved in a non injury crash, and not at fault, here are a cpl
questions I have

1. I drive a F-250 4X4, and its in the middle of hunting season and I
need a 4x4 truck, not a rental car, what rights do I have in regards to
what vehicle I'm given while the truck is being repaired?

2. The truck doesn't have bondo on it and I don't want any now, do I
have the right to require them to cut out the bent corner of the cab and
refuse to allow them to use bondo?

Answer
1.  you are entitled to a rental that meets your needs, but not your preferences.  If you need a 4x4 to complete your activities, this should be provided.  But you can't say you want a particular model or make.

2. you may have a misunderstanding of bondo.  Current repair technology is pretty impressive and filler can provide stronger material than the original.  But it cannot be used on all repairs.  The shop can tell you if it is appropriate for this repair.  The insurer will follow industry standards.  You can refuse them, but you'll have to pay the difference if it is not necessary.

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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