Classic Scenario you and your vehicle have been involved in an accident ask yourself a few question:
- Who is looking out for my best interest?
- Can my vehicle be restored to pre-loss condition?
- Is my vehicle a total loss and should it be repaired?
- Does the estimate supplied by the shop and insurance company have all the procedures and the best possible method of repair listed?
Answer 1: Most likely no one is looking out for your best interests 95% of all repair facilities have some sort of contract with insurance companies to supply them with a flow of work as long as the shop is willing to cut cost and repair methods they will continue to send them work.
Answer 2: Most likely no, Pre-loss condition (DV Level 1) is a very high level of repair. (Click Here to See and Print the Seven Levels of Repair)
Answer 3: If you think your vehicle needs to be totaled then your probably correct. Some unethical insurance companies will nearly pay the retail price of a vehicle in repairs to keep from totaling it.
Answer 4: It has been our experience that most repair estimates are missing 20 to 40 necessary and required procedures to restore ones vehicle to at least the best of reasonable human ability.
So How Does a Pre-Repair Inspection Help?
We eliminate one major argument. Who is responsible? It’s been our experience that insurance companies and contracted repair shops tend to point the finger at each other on post repair issues. Leaving consumers at their wits end trying to get their vehicle repaired or re-repaired correctly.
How Does It Work?
Our trained collision repair experts will go to your repair facility after your vehicle has been disassembled, and will inspect your vehicle and review both the repair facility’s and insurance companies estimate. We will then provide you with one of two reports based on our inspection.
- Notice of Deficiency Report: This report will notify the parties involved of all the necessary procedures, repair methods and parts required to repair the vehicle back to the best of reasonable human ability. We also photograph the vehicle to help with your possible diminished value claim. This report gives both the insurance company and shop the opportunity to rectify the estimate and possibly help you receive a correct and proper repair. If the two entities ignore the our report at least you have documented their refusal to address the issues and the party responsible for any incomplete or improper repairs can be held accountable. Additionally, this will give you an opportunity to see if your repair facility is consumer oriented and move it to a shop that more suits your needs. Also you can make the decision to invoke the appraisal clause in your policy of insurance if an agreement cannot be obtained.
- Difference of the Before and After Value Report:
(Claimants Only) In the state of Georgia consumers
(claimants) are entitled to request that their vehicle not
be repaired. Therefore, collecting the vehicles value at the
time of the collision minus its post collision salvage
value. If you have a $10,0000.00 vehicle before the
collision and afterward its salvage value is $3000.00 then
you maybe entitled to collect $7000.00 if no other salvage
bids can be obtained. (Keep in mind you will be able to sell
the salvage vehicle to obtain the rest of the money.
There are several reasons that we may choose this route. - The vehicle needs to be totaled and insurance company is not cooperating.
- The vehicle needs to be totaled and insurance company is not cooperating.
- The vehicle is a physical total loss but not an economical total loss and the insurance company is not cooperating.
- You want to keep your vehicle.
Of course it has to be a reasonable request if you have minor damage then this method of collection will not work for you.
Every case is different and in some circumstances Pre-Purchase Inspection Reports may help total your vehicle. Call the number above and we can explain how Pre-Purchase Inspection Reports can help you.
For more information on Collecting the Before and After Value, Click the link to view my blog: http://wreckcheck.blogspot.com/
