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: Mar 15, 2012

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Insurance Question from Marvel, AL

Asked on 03/15/2012

Nationwide Auto Insurance wants to you a quote from a shop I’m not using. My car was damage by a deer who ran into my vehicle. I went to have a quote by Nationwide's preferred body shops. I choose to go with a different body shop who is not Nationwide's preferred shops. I called Nationwide to set up for an adjuster to come to the body shop and Nationwide stated that an adjuster was not needed because they already have the quote from their preferred body shop. Is this legal?

Answer given on March 15, 2012

All insurance companies work out agreements with different body shops to help keep the cost of repairs down. While you are not required to go to one of these shops, the estimate that your insurance company used through their vendor is based on the rate of labor that has been negotiated with their shop. Take the estimate to your shop of choice and show it to them. Ask if they see anything wrong with the estimate. If they charge a higher rate for labor, you can talk to your insurance adjuster, but they may not be willing to increase the amount they are willing to pay. The rate they use is based on the prevailing rate in the area and your chosen repair place may charge higher rates than the insurance company will pay. It is then up to you to decide if you want to pay the difference.The advantage to using a preferred shop is that the insurance company and shop will usually guarantee the work on the car. Other shops may not have such a guarantee. Check this out with the shop you want to use.


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