I was in an accident in the Ice storm we recently had in TX. I filed a claim and have an adjuster coming out tom to look at the car got some questions.

I told them I am going to have one shop do the body work and another fix the suspension issue that resulted from the wreck. They aren't going to be able to properly diagnose the suspension issue the adjuster is pretty much just going over cosmetic damage at this point from what I understand.

1. Cant they cut me a check on site for the damages if its under a certain amount I think 1500 or less? Also if the shop needs more $ to fix it will they fax over reason why and see if they can supplement the extra $?

I am trying to get parts ordered ASAP, so I was hoping they could just cut me a check on site for at least the cosmetic damage.

2. Have any of you successfully gotten more out of your INS if its needed by the shop finding more issues?

Thank you for any insight and please post your experience if you have dealt with an insurance claim...any help with getting a check ASAP would be GREATLY appreciated thank you.

 

My understanding is they will cut you a check for the damage as they see it. Or pay the body shop when the work is complete. If there is a discrepancy between true cost to fix and what the insurance company feels is right the body shop and insurance company will hash it out. It probably helps to use a "preferred" body shop to the insurance company. I got a check for my hail damage last spring (less my deductible), and was told if there is more there than estimated the body shop and the insurance company would "work it out". Was told this by the adjuster as well as a friend of mine that owns a shop.

 

First I hope everything is working out on your claim. It depends on the company and where they inspect the car whether they cut you a check immediately most of the bigger well known companies will but smaller no name companies won't. Also in regards to your suspension some companies will cover aftermarket and some won't some have specific rules against covering any altered suspensions. All companies will give a reasonable supplement if deemed necessary.