Does the insurance company provide written estimate of the repair or they can deny it and tell you on phone only

Asked on May 16, 2009 under Insurance Law, New Jersey


MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

Not sure I understand the question.  Is this part of a car accident? House accident? Other?

Is this your insurance company? Was the accident your fault? Is it the other person's insurance company?

Generally, written estimates are required.  What are "they" denying? Is the insurance company denying your repair estimates? Did you get three estimates? If it is your insurance company, contact your State's Dept of Insurance and file a complaint.  Your insurance company is to provide you with good faith coverage, not bad faith.  If this was an accident and it is not your fault, the insurance company must pay up or you can sue both the insurance company and the person who caused the accident.  Try filing a complaint with your State's Dept of Insurance and also consult with an insurance coverage attorney/accident attorney at

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