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re: State Farm estimate vs 2 estimates from body shops??
Posted on 6/3/15 at 7:42 pm to stout
Posted on 6/3/15 at 7:42 pm to stout
quote:
State Farm has their own adjusters and they can go to any shop and do an estimate but to tell the guy that his estimates from others shops aren't legit because he didn't go to a State Farm preferred shop is 100% steering.
No it isn't. I know! They want their adjuster to look at it first.
Customer chooses body shop, if additional repairs are needed, supplement is issued.
What the OP is describing is perfectly legal and normal for big insurance companies.
2
Posted on 6/3/15 at 7:47 pm to Taurus
quote:
No it isn't. I know!
I know too, dude. I used to work at my grandpas shop in college and grew up around it. I have seen the dance between a shop and adjusters 1000 times.
quote:
What the OP is describing is perfectly legal
It toes the line I would say.
Why does an insurance company need a preferred shop? It's not to protect the consumers interest despite what they say. It's to protect their own as most shops are scared to lose that preferred status so they will do whatever SF says like say fix a fender instead of replace.
If you can't see how a SF person telling someone that this shop isn't a preferred shop creates doubts in a person's mind and can create steering you are being naive.
Posted on 6/3/15 at 7:48 pm to Taurus
quote:Im just worried about them (SF) giving a lower estimate than the previous 2 and then having to drag this out longer.
What the OP is describing is perfectly legal and normal for big insurance companies.
Its already cost me lost wages from work and I haven't tried to be a dick and recover that from them.
I just want this to be over, its such a pain in the arse
Posted on 6/3/15 at 7:49 pm to NatalbanyTigerFan
OP, go back and look at Stout's last post, he's right on the money. They'll want their adjuster to look at, which is perfectly acceptable, but you have the right to choose whichever body shop you wish. If there's a big gap in the 2, they'll get it worked out. No worries. Just don't let them tell you you can't choose
Posted on 6/3/15 at 7:53 pm to stout
quote:
Why does an insurance company need a preferred shop?
:sigh:
They don't for repairs, but he is talking estimates, not repairs, only estimates. BIG DIFFERENCE.
But, not all preferred shops have estimators the insurance cos will accept without their man looking first.
It's simple. They will not accept ANY estimate without their adjuster looking first in most cases.
Take the damn car where he wants and the adjuster will write it up and if a supplement is needed, then it will be covered too.
Posted on 6/3/15 at 7:55 pm to NatalbanyTigerFan
quote:
Im just worried about them (SF) giving a lower estimate than the previous 2 and then having to drag this out longer.
Its already cost me lost wages from work and I haven't tried to be a dick and recover that from them.
Oh, it will be lower more than likely assuming the body shops you took it to know their shite.
Don't worry, supplements for additional damages found are normal.
Posted on 6/3/15 at 7:56 pm to Taurus
Thanks guys!
I haven't had to deal with this crap in 20 years. I have no idea how any of that works.
I haven't had to deal with this crap in 20 years. I have no idea how any of that works.
Posted on 6/3/15 at 7:59 pm to X123F45
quote:
you will be filing a complaint with the Department of Insurance. They will toe the line mighty fast.
You know how many times a day they here that shite. Their response is usually
. Go ahead you need the phone #.Posted on 6/3/15 at 8:01 pm to Taurus
quote:
They don't for repairs
Umm...yes, they do.
They do have this disclaimer as not to appear to steer people.
quote:
We're Here for You
When your vehicle is damaged and you have a covered claim, you have the right to select the repair facility that will repair your vehicle.
But then...
quote:
The State Farm® Select Service Program
The State Farm Select Service program is a network of auto repairers committed to providing quality auto repairs for State Farm customers. Repairers invited to participate in the Select Service program have to meet performance standards established by State Farm.
Provide quality, professional repairs
Written national limited lifetime repair warranty
Guaranteed completion dates
Wash and vacuum of the vehicle
Pick up and delivery of your vehicle upon request
Direct payment to the repair facility upon completion of repairs
Other convenient services
quote:
They will not accept ANY estimate without their adjuster looking first in most cases.
I have been saying this and never once argue otherwise. I know how it works.
Posted on 6/3/15 at 8:04 pm to NatalbanyTigerFan
You said you couldn't drive it. I would take it to the shop i wanted to go to and tell the insurance it's there and not drivable. They will send an adjuster to the shop to look at it with the people doing the repairs. That way you don't have to deal with getting a low ball estimate and waiting another week for an adjuster to come out to go over it with the guys doing the work. Preferred shops are just shops that have a financial relationship with the insurance. They basically have to go off of the original estimate, in turn the insurance will send jobs to them.
Posted on 6/3/15 at 8:06 pm to stout
quote:
It toes the line I would say.
No, it's perfectly legal. They require their estimator to inspect it to prevent insurance fraud by you colluding with your grandpa who owns the body shop you chose.
This post was edited on 6/3/15 at 8:09 pm
Posted on 6/3/15 at 8:08 pm to Evolved Simian
quote:
They require their estimator to inspect it to prevent insurance fraud by you colluding with your uncle who owns the body shop you chose.
No shite, sherlock, but that adjuster can go anywhere and do that. The mere mention of a service first shop vs other shops is what toes the line IMO.
Posted on 6/3/15 at 8:08 pm to NatalbanyTigerFan
Without reading past the OP:
Her liability coverage doesn't have a deductible. They can send you to a shop for an estimate, they can't force you to get it fixed there. It would be the same as if they sent someone out to look at it and paid off of that estimate.
Now I'll read the the rest of the thread.
Forgot to add, they owe for the reasonable cost of repairs. So if their estimate is low, and it costs more to have it repairs at a shop, as long as the prices are within reason, they'll pay the difference to the shop.
Her liability coverage doesn't have a deductible. They can send you to a shop for an estimate, they can't force you to get it fixed there. It would be the same as if they sent someone out to look at it and paid off of that estimate.
Now I'll read the the rest of the thread.
Forgot to add, they owe for the reasonable cost of repairs. So if their estimate is low, and it costs more to have it repairs at a shop, as long as the prices are within reason, they'll pay the difference to the shop.
This post was edited on 6/3/15 at 8:10 pm
Posted on 6/3/15 at 8:12 pm to stout
quote:
They will not accept ANY estimate without their adjuster looking first in most cases.
I have been saying this and never once argue otherwise. I know how it works.
You:
quote:
That's steering and illegal. You have the right to have it repaired where you choose.
quote:
State Farm, Geiko, Allstate, etc all have their "preferred shops" but they can't legally make you use them.
Aks DLauw more about it if he gets on. He owns a big body shop.
I only know a little about it because I have heard my uncles bitching about State Farm doing exactly this.
quote:
State Farm has their own adjusters and they can go to any shop and do an estimate but to tell the guy that his estimates from others shops aren't legit because he didn't go to a State Farm preferred shop is 100% steering.
Yes he can take it to any shop, but the body shop's estimates are not worth a shite legally. So you are right and wrong here.
quote:
They will still have their adjuster come out and write it up and then him and the body shop will argue over it until they meet in the middle or something.
That's not how it works at all. You are very wrong. So quit trying to cover your arse here and move along. I am.
Posted on 6/3/15 at 8:16 pm to CaptainsWafer
If you want to cut out all the BS. Get it fixed, pay the bill and tell State Farm to reimburse you for the amount you paid plus the reduction in vailue that hit you now that you have a (or another) ding on you Carfax report. Make sure to send them a copy of the invoice and check you used to pay it with. Make sure to talk to dealer about the diminished value of your vehicle after it has been repaired.
You don't have to let State Farm do an estimate first. But you do if you want them to pay for it up front.
You don't have to let State Farm do an estimate first. But you do if you want them to pay for it up front.
Posted on 6/3/15 at 8:19 pm to Taurus
quote:
That's not how it works at all. You are very wrong.
OK, buddy. I have seen it.
Adjuster and body shop are way off...
Adjuster: "how many hours do you have to fix that"
Body shop: "5"
Adjuster: "The system says 3 but I can go 3.5"
Body shop: "OK"
quote:
So quit trying to cover your arse here and move along. I am.
I like how you move on without admitting you were wrong in saying that SF doesn't have preferred or "Select service" shops.
Posted on 6/3/15 at 8:21 pm to BiggerBear
File through your own carrier, get the cost of your repairs less your ded, then get it (your ded) back from State Farm on the front side (since it appears Theyr already willing to pay for your damages). Let your ins company worry about their money when the repairs are done.
This post was edited on 6/3/15 at 8:26 pm
Posted on 6/3/15 at 8:23 pm to stout
A lot of companies have select shops when they don't have appraisers in the area. They can't force you to get the repairs done there, but those select shops are held to SFs standards. Other shops may not be.
Posted on 6/3/15 at 8:24 pm to stout
quote:
they will do whatever SF says like say fix a fender instead of replace.
Reasonable cost of repairs. If a fender can be fixed correctly for less than the cost of replacement, that is what is owed.
Posted on 6/3/15 at 8:25 pm to stout
I'm not shocked State Farm has become a sleaze factory.
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