What recourse do I have with an insurance company that has not fixed accident damage correctly?
Posted on Mar 14, 2008 under Insurance Information |I had a claim against progressive and they did not match the colors on the new paint very well they refuse to repaint it.
March 14th, 2008 at 3:46 am
Take pictures of it specifically showing where the paint does not match, and keep being persistant with them. Have they actually come back out to look at the car and see that there is a paint mess up? Or have they not even done that?
Most insurance companies will spend as little money as they can on fixing a car after an accident so that they aren't losing any money.
As I said, just be persistant, if its that big of a deal and they still won't fix it, if you have proof the paint is different (pictures, etc) Try asking a lawyer for thier opinion on what to do.
March 14th, 2008 at 3:46 am
I would take it back to the body shop where you had it repaired, they are the ones that didn't match the paint, they should fix it. Progressive already paid for the paint & other repairs, they didn't DO the work. Why should Progressive have to pay additional money to re-paint a mistake on the body shop's part? The body shop should have computer matching on the paint so even if the rest of the paint on the car has faded, they should be able to match it.
March 14th, 2008 at 3:46 am
You could try ringing them and saying that if they do not remedy the situation on immediately you will speak to both the Financial Ombudsman Service and the Associated Beaureax (cant spell) of Insurers. Really try and shit them up.
Unfortunately though, working in insurance for years myself, usually there is no clause that says that any damage has to be matched exactly, but just that you are put in a similar position to before the crash. For example, if you damage one chair in your living room, and there is no match for it, they can just buy you a random chair that isn't the same. Check your policy documents and see what your rights are.
Another third trick that I like to do is ring the sales department for a quote, and ask them about it in a hypothetical situation, saying "What would happen if??" and make sure they verify their answer with a manager. You can always use this conversation as evidence, because the customer service agent will be less likely to freely admit liability.
Good luck!
March 14th, 2008 at 3:46 am
As Sue mentioned, did Progressive pay for blending time on the adjacent panels? Rule of thumb is if the damage is 6" of closer to another body panel, that other body panel should be blended (plastic bumpers are not blended). Your first step is to speak to the manger of the body shop and see what he/she can tell you about the situation.
March 14th, 2008 at 3:46 am
Sue and Todd are correct. Progressive did not do the work. Was the auto body you used one of Progressive's referral shops? If so, they should guarantee the work. Didn't you have to have your vehicle reinspected after the repairs?
If you selected the shop on your own, go back to the a/b. Have the manager look at the repair. If it was their error, they should fix it. If they need additional time, which was not allowed on the initial appraisal, the a/b will call the appraiser for a supplemental appraisal. The appraiser will decide if one is warranted, or if the a/b just screwed up.
March 14th, 2008 at 3:46 am
Your claim is not against the insurance company it is against the shop that did the work.
1) Do not sign off on the claim
2) Take the car back to the shop that did the work and demand they fix it. If they don't then take it to small claims court along with good photos and and estimate for the cost of the repairs by another shop.
simple and easy…
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