Quote:
Originally Posted by remotemark
Well, State Farm authorized the shop to spend $7500 on a "first ticket" with $2500 available supplements with backed up estimates. They're being a little coy about what the driver's policy limits are. I'm now just worried that the bill will get to ten k and then more will be needed but they won't pay. Then I'll have to go to my comprehensive policy and its deductible. Anyway, NHDoc is right, I am good at imagining the potential problems.
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I really don't think you have to worry...they admitted fault and have authorized repairs...it was their call to total it out before the repairs began and apparently they felt it could be fixed for less that it was worth before the accident. It's questionable to me whether that is prudent or not since you paid $11K for it and they are basically now committed to $10K to fix it but who knows...time will tell if it even gets to $10K.
If the shop keeps finding stuff to charge them for I don't think they can just decided to "stop paying" and stick you with it at this point. Again, wait and see what happens...hopefully you have a collision shop you feel comfortable with and who does good work. Just make sure it gets fixed correctly and you are satisfied with the job. Typically the insurance company will need to approve any additional charges, just make sure they do that should any come up and you should be good to go.
Since they admitted fault they have no basis to stick you with any liability now...in fact I hope you are getting reimbursed for a rental car while yours is out of commission. You'd typically be entitled to that too.
You're really talking nickels and dimes to them...they are so relieved when an accident doesn't end up with an injury that property damage claims are usually handled fairly well routinely. They would take a different stance if you were seriously injured because that could cause them serious money. An extra $1000 to fix your car is not a problem for state farm...