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Question DetailsAsked on 12/2/2015

How smart is it to go along with your insurance adjuster's choice of auto body workshop?

I was involved in an accident and now my insurance company has assigned an adjuster for me. I wanted to take my car to the toyota dealership place to get estimate and fix it but I was told my the adjuster that the dealership is not in their affiliated list! So is it good to go where he recommends?

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Normally they will accept the adjuster's estimate as full payment, so makes it simple.


Normally, there is nothing in auto insurance contracts (as opposed to medical) about having to accept someone on their affiliated list - so I would insist on original equipment replacement, ESPECIALLY if car is still under warranty.


Also - many dealers do not actually do body work themselves - you could find out who they use and suggest that one and OEM parts, which should make it easier in the event of any future car warranty claim - though if under warranty I would personally raise a fuss and demand OEM parts and dealer repair.


You can certainly have the dealer give an estimate too - might be they will also accept rthe adjuster's estimate as full payment, or talk him up to a price they will accept.


One other possibility if the two cannot come together - getting a cash payment from the insurance company for the adjusted amount, and paying up to have the dealer do the repair - commonly they will negotiate a lower price to let you make that work even if they will not come down to the adjuster's estimate if they cannot get him to come up - usually meet somewhere near the middle.

Answered 3 years ago by LCD




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