I FILED A CLAIM FOR

Posted: Wed Nov 19, 2008 05:25 pm Post Subject:

If there is no lien holder on the vehicle, the check can be made payable to you alone. If there is a lien holder, they _may_ want to either add the lien holder or the shop to the check. It usually depends on the amount of the payment and every carrier is different.

Posted: Wed Nov 19, 2008 06:48 pm Post Subject:

tcope is right - every company is different on how they handle claims. That said, you should be able to choose any shop you like. If you're not comfortable with that particular shop, then ask around for a better place.

If you just want the check, then call up your agent to see if that's an option. If they send you a check, they may require you to submit photos to prove the work was done. That is, if you want to keep comprehensive on the vehicle.

Posted: Thu Nov 20, 2008 06:16 am Post Subject:

OP both of them are right in saying that the insurance company may write the check to you if there is no lien on the vehicle, otherwise, they might include the name of the lien holder in the claim check as well. That is because the insurance company is required to protect the interest of the financier along with you.

In case of third party claim, where another motorist is responsible for causing the accident, the claim check may bear the name of the car owner only. However, this is definitely not the case when the car is deemed totaled, in which case the lien holder needs to be satisfied since the insurance company needs the car title.

~jeremy

Posted: Fri Nov 21, 2008 12:21 am Post Subject:

OP are they saying you must use the shop that they issued the check to, or did they base payment on an amount estimated by their preferred shop because they do not have their own adjuster?

Most states mandate that consumers have the right to choose their repairer and the amount must be a reasonable amount for which the repairs can be completed as stated in most unfair claims practices acts.

If you feel you are being coerced into using a shop that you would prefer not to or they are telling you perhaps they have problems with the shop you would like to use, you may be a victim of steering.

double u double u double u stopsteering dot com

Posted: Sat Nov 22, 2008 01:02 pm Post Subject:

Easy Mortimer, sounds to me like the OP went to the 'high' shop in town and got and estimate submitted it to the carrier for payment but doesn't want it fixed there..hmmmm sound familar? bet it does....further more sounds like the OP doesn't want to fix it at all.