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| Claims FAQs | The company is not paying fairly total loss. How to establish a vehicle's value?
Consider such sources as book value and dealer quotes. If you or the insurer disputes the vehicle value basing on those sources, the accurate determination can be made comparing with similar vehicles available in the market. The condition of the vehicle, mileage and options matters in determining your vehicle's value.
The other insurance company won't pay for a rental car on my liability claim. Don't they have to?
Not in all situations. The insurer should cover the cost of a rental as part of your damages from the accident, if you have no other vehicle available. At least until they determine the loss on your car. This issue isn't determined in any insurance statutes.
Can an insurance company write an estimate using parts not made by the original manufacturer or salvage parts?
Yes, they are required to put new parts on a used vehicle. An insurance company has to return the vehicle to its condition before the damage.
The insurance company revised the estimate and paid based on the revised estimate. Can they do this?
Yes, if the estimate guarantee properly repairs your vehicle. Ask your body shop to review the revised estimate. If they can't properly repair your vehicle basing on the revised estimate, they should contact your adjuster.
Can the insurance company say where to repair a vehicle?
Yes, if the insurance company guarantee the work. However you may to go to the repair shop of your choice, but you should be ready to take responsibility for the additional costs. Your insurance company may only be obligated to pay for the lowest estimate.
What is comparative fault?
Pure comparative fault allows your damages to be reduced by the percentage you are at fault in a loss. Insurers may investigate an accident and make a decision as to the percentage of fault of all parties involved. They will make voluntary offers based on this opinion. If you disagree with their evaluation, you should consult an attorney or turn over the matter to your own insurance company to handle under your collision coverage.
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Claims FAQs