What would you do?
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Let’s just say that you get a vehicle towed in with insurance that you pretty much know that it’s right at the point of being economically totalled by being able to look it over pretty good.
Let’s also figure that most insurance adjusters are commited to looking at 6 to 7 vehicles per day, and cannot devote much more than 45 minutes to looking at, evaluating, and writing up an estimate for repairs. This usually results in an estimate that is deficient by half if they do not have your damage assessment to guide them.
Being with the economy as it is, and with the knowledge that you can repair the vehicle properly, but at a cost that would exceed 80% of the vehicle value would you:
1: present a full damage assessment for all you can see as damaged?
2: play stupid & let the aduster write what they see, get started on the job and order all the initial parts then supplement for all the overlooked items?
well lets just say the money is in choice #2 :unsure: :unsure: but #1 would be the proper thing to do its all a #s game id go with #2 myself cuz im in this for the money :blush: :blush: :blush:
I’ve heard a couple of the guys say that if more work is found that they have sent the additional bill to the insurance company, and the insurance did pay for the additional bill.
I’m sure there are limits to this. Like you don’t want to send them a bill 3 times over the original estimate. 😛
Maybe someone that actually deals with insurance companies could fill you in.correct .. get the job and go from there ….. supplement once you have a final …. but it will delay payment of the bill and your right they don’t like too may :whistle:
Let’s just say that you get a vehicle towed in with insurance that you pretty much know that it’s right at the point of being economically totalled by being able to look it over pretty good.
Let’s also figure that most insurance adjusters are commited to looking at 6 to 7 vehicles per day, and cannot devote much more than 45 minutes to looking at, evaluating, and writing up an estimate for repairs. This usually results in an estimate that is deficient by half if they do not have your damage assessment to guide them.
Being with the economy as it is, and with the knowledge that you can repair the vehicle properly, but at a cost that would exceed 80% of the vehicle value would you:
1: present a full damage assessment for all you can see as damaged?
2: play stupid & let the aduster write what they see, get started on the job and order all the initial parts then supplement for all the overlooked items?
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When the field appraiser is busy, he/she generally takes pics and faxes over the estimate the following day.
Taking notes too of course. I know all the local adjusters/appraisers well enough that i don’t have to discuss
the estimate too thoroughly. I just greet them, hand over the keys and let them work; answer whatever
questions too…When it’s obvious, it’s obvious. And when it’s boarder line, i let the owner decide.
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