Originally Posted by Drew523

It doesn't cost 3200 to tear down a car... Going to be hard to find multiple appraisers to agree and determine that it would cost 3200 for the tear down as well. Luckily when i did claims, i didn't have to deal with anything like this. Most of my stuff were easy and mainly people pissed about personal items that were stolen or damage in the car wasn't going to be covered or aftermarket parts not being covered.

Originally Posted by S2FARSI

What do you suggest I do? Give in and let them deduct the $2365 from the settlement?

Originally Posted by Drew523

It is only very common to see additional supplemental payments if they are justified... Insurance company isn't just going to cut another check to the body shop because they say its going to cost more without showing them why... Example of them doing additional payments would be while doing repairs to your vehicle the body shop discovers additional damage to the that wasn't accounted for from the original estimate then they would call or email the adjuster letting them know that additional repairs are need and it would cost this much. Then adjuster would either ask for pictures or revisit the shop for another inspection and approve the repairs and the company would cut another check or increase the total repair cost of the bill if they haven't sent out a check yet... Bodyshop can't just say, oh i need another 5k to finish the repairs and the company says OK and sends them the check... Alot of times we would just ok the amount after we talk with the bodyshop unless they wanted some high amount then we would need to make sure it is legit.

Policy declaration should have something similar to this in the packet and forms.

APPRAISAL

A. If we and you do not agree on the amount of loss, either may demand an appraisal of the loss. In this event, each party will select a competent appraiser. The two appraisers will select an umpire. The appraisers will state separately the actual cash value and the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will:

1. Pay its chosen appraiser; and
2. 2. Bear the expenses of the appraisal and umpire equally.

B. We do not waive any of our rights under this policy by agreeing to an appraisal.

It doesn't cost 3200 to tear down a car... Going to be hard to find multiple appraisers to agree and determine that it would cost 3200 for the tear down as well. Luckily when i did claims, i didn't have to deal with anything like this. Most of my stuff were easy and mainly people pissed about personal items that were stolen or damage in the car wasn't going to be covered or aftermarket parts not being covered.