Expert: Doctor Settlement - 7/17/2007

Question
I was involved in an accident in Florida. My initial claim has been paid and my car is currently being repaired. The  adjuster did not include (maybe did not notice) damage to the rim of one of my tires where I went up on a curb during the accident. The repair shop told me they could file a supplemental claim. How does the supplemental claim process work? I have chrome rims on my car which run about $300-400 each and cannot find a replacement for just one. Should the claim be for the one tire or for all four since I cannot find a match? I would like to know these processes for myself.

Answer
Hi Janet,

The set must be replaced IF AND ONLY IF they cannot find a match.  I have NEVER known them to fail to find a match, however.

Assuming you can get this damage by the adjuster as having been caused by the accident, and the repair shop owner is supporting you so why not?----the supplemental will be approved.

If you are at a company-approved shop, the collision repair facility has the power to write the supplemental.

Here is a little background on Auto Accident Collision Repair Shops & Insurance Adjuster Relationships Explained
http://www.settlementcentral.com/page0456.htm

I know that this is against all of your instincts, but for someone who does not make a big deal about rims, I would let them do as close a match as they can and then compromise by taking part of the total cost of the four in a diminished value claim cash settlement.

Diminished Value insurance claim cash settlement http://www.settlementcentral.com/page0455.htm

FAQ DV insurance claims http://www.settlementcentral.com/page0454.htm

Just a thought--but as I say, real chrome folks probably would not think of such a thing!

One warning, however, is that you might be subject to a claim of betterment.  Check that out first.  Let's use a tire, since that is easy to see that it has a lifespan.

If you had half wear on a $300 tire and it popped, and you wanted a brand new one, you would have to pay betterment.  It is possible for them to make a similar claim on the chrome, I suppose---assuming that after a few years it shows wear.  

Best wishes,

Dr. Settlement, J.D. (Juris Doctor)
www.SettlementCentral.Com