I had a hail claim

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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...

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UPDATED: Aug 31, 2019

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Insurance Question from Burlington, CO

Asked on 08/31/2019

I had a hail claim hail claim took to a body shop estimate was $10300.00 the claim adjuster claimed that the pictures was blurry so they sent another adjuster his claim $6600.00 but that is using paint less dent repair we have no dent doctors were I live do I have to take the lower amount

Answer given on September 03, 2019

If your automobile is damaged by hail and there are two estimates that do not include the same damage repair, you are not expected to accept the lower cost estimate. Make sure the second adjuster is aware that the his estimate does not include dent repair, only the cost to paint. If the adjuster does not agree to the higher estimate, ask for the supervisor to discuss the difference in the estimates.

You may also want to discuss the estimate with the original body shop and see if they can provide more clear pictures for the adjuster to show the denting in the car.  Perhaps the body shop can talk to the second adjuster to clarify any questions or discrepancies there may be.  Also, make sure the higher estimate does not come close to the actual cash value of the car, which could make the adjuster call the car a total loss. 

 


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