Short-paying a collision repair estimate is one of the most common ways an insurer reduces its payout without an outright denial. Here's how it happens and how to respond.
Non-OEM structural parts, denied frame or unibody labor, aluminum panel repair instead of required replacement, and mechanical labor rates applied to body work are among the most frequent sources of a short-paid collision estimate in Texas.
Request the insurer's specific justification for every denied or reduced line item.
OEM position statements often directly contradict an insurer's cost-cutting substitution.
An unresolved, material disagreement is exactly what the appraisal process exists to settle.
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