Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Dec 2, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Indianapolis, IN

Asked on 12/02/2012

Approved Body Shop said I needed to replace the rear quarter panels, when the left rear corner hit a guard rail during accident. Original shop messed the repair up, ran the bill up on me, and held the car 5 yrs. Now, State Farm refuses to repair the rear quarter panels because I bought new ones per the sops advice. They also refuse to replace my stolen speakers. The shop charged State Farm for new after market fender, and hood. But, they were full of body putty, and State Farm refuses to replace them. So, isn't State Farm responsible for the actions of their approved shop?

Answer given on December 11, 2012

Your situation with the claim on your damaged quarter panels seems very unusual. You claim that the body shop held your car for five years while repairing the car. It is very unlikely that an insurance company would hold a claim open for five years to repair the quarter panels. You also indicate speakers were stolen, but if the car was in an accident, the speaker theft sounds like a different claim.You need to talk to a supervisor in the claims department to try to settle the claim. Again, a five year repair is not going to come out well since the car is now five years older than when the claim started. If you bought additional parts, without authorization from the insurance company, you may be out that money. If you doubted the honesty of the repair place you should have indicated this right away and moved the car to another location.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.