Car Insurance Claim Check (Farm Bureau Insurance)?
Okay, I hit a coyote lastweek and I informed my Insurance company ( Farm Bureau Insurance). They told me to go get an estimate. I went to a auto body shop, the guy took notes. I waited all week for the Auto Body to get back with me, and so did the Insurance Company. The Insurance Company finally just had an adjuster come out and asses the damages. They wrote a repair bill for 527.00 plus my 500.00 deductable. So in all it was 1,027.00- I knew that this was WAY to low of an ajustment. So I called the Manager of the Insurance company told him my feelings on the matter, and whom ever came out missed many things (wires, two light’s, etc) I was going to get another estimate, and he said okay to my surprise!! I did — and it was 800.000 dollars more damage done (which we all thought)! The insurance Company was trying to low ball me. Been with them 10-years, full coverage, and two homes as well. Havent filled a claim in 6-years. I re-faxed the Manager the new adjustment from the Body Shop (A diffrent one by the way), Called and spoke with Manager as well. Will the Insurance Company make the check out to me or the Body Shop now? In the past it have always been made out to me or wife. (In ten years only two small claims) State is Oklahoma if this helps any. So in short will I get a check, or will they sent the check to the Auto Body since they faxed them a diffrent estemite? I’m using the money to get about 90% of it done at the Body Shop, but there are a few things I can fix myself. Is there any type of Law they have to send the check in my name? My fear is they will just mail the Body Shop the Check with the owners name, and this means I will have to pay more out of my pocket. Thanks. 5- point’s as always.
I know the spelling is incorrect in some places- have a baby in one arm..sorry. Thanks
Look, it’s not at ALL uncommon for any body shop to find extra damage, especially after they start taking the car apart. The normal procedure here, then, is that the body shop contacts the adjuster, and puts in a "supplemental" claim for the additional damages.
Yes, they have to mail the check in your name if you ask it, HOWEVER, if you have a loan on your car, they ALSO have to add the lender to your check. It’s MUCH easier to have the check written to the body shop, than to have to sign it over to the lender, and wait a month or two until after all the damages are fixed to their approval, and they then release the funds.
You ARE going to have to pay out of pocket, probably up to your deductible amount. That’s the POINT of the deductible.
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Only the adjuster that issues the check can tell you how it will be made out.
Your best bet is to call the adjuster in the morning and ask them.
References :
Insurance Adjuster
Look, it’s not at ALL uncommon for any body shop to find extra damage, especially after they start taking the car apart. The normal procedure here, then, is that the body shop contacts the adjuster, and puts in a "supplemental" claim for the additional damages.
Yes, they have to mail the check in your name if you ask it, HOWEVER, if you have a loan on your car, they ALSO have to add the lender to your check. It’s MUCH easier to have the check written to the body shop, than to have to sign it over to the lender, and wait a month or two until after all the damages are fixed to their approval, and they then release the funds.
You ARE going to have to pay out of pocket, probably up to your deductible amount. That’s the POINT of the deductible.
References :