Repair Disputes

"Insurance Won't Pay Enough for Repairs" — Now What?

A gap between your body shop's estimate and the insurer's payout is common, and it's rarely random. Here's what usually causes it and what to do about it.

What's Usually Being Cut

What to Do

Ask your shop for a written explanation of any line item the insurer denied or reduced, and request the insurer's justification in writing. If the gap remains after a supplement request, the appraisal process can force a binding resolution.

Frequently Asked Questions

Can my body shop bill me for the difference the insurer won't pay?
This depends on your shop's policy and your claim specifics. In many cases, pursuing the insurer for the shortfall — rather than paying it yourself — is the better first step.

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