Top Reasons Your Insurance Company May Deny Your Phoenix Body Repair Estimate
You’ve likely been in an accident at some point or another. You have also likely found that the process for getting your car repaired is fairly simple: You call the insurance company to file a claim, you head to a body shop to get an estimate for the body repair, and you get the car fixed. The insurance company might send the check to you, or it might send the check to the repair shop.
Either way, you probably haven’t had much trouble getting your claim paid out — unless there were issues over who was at fault.
However, it is not uncommon for insurance companies to disagree with the estimate that the body shop provides and refusing to pay out the full cost. If the car has already been repaired, you might then be stuck with the remainder of the bill.
Understanding what can cause these disputes can help you avoid such a situation. Here are a the most common reasons why your insurance company may deny your body repair estimate:
The Type of Part Being Used
You might think that the best replacement part for a vehicle would be the one created by the original manufacturer. However, most insurance companies are looking for the most cost-effective solution, which would mean using an after-market part.
If the Phoenix body repair shop provides an estimate using a part from the original manufacturer, the insurance company might reject it. If the repair has already been made when you file your claim, the insurance company may only pay the amount estimated for an after-market part, or it may refuse to pay for that part of the estimate entirely.
Whether to Replace or Repair
The repair shop might say that one of your vehicle’s parts needs to be replaced, but the insurance company may say that a repair is adequate and will refuse to pay for anything else.
Parts of the car’s body are the most common source of this dispute. For example, the body shop may say that a side panel needs to be completely replaced to preserve the structural integrity and safety of the vehicle, but the insurance company may feel that simple body repair such as popping out the dents will be enough to take care of the issue.
You may be able to fight the insurance company on this issue, but be prepared for a long fight and be ready to get legal help if you think it worth it.