Hi I have insurance with State Farm, while my boyfriend and I were at the beach a car fell off a tow truck, rolled down the hill from a stop light at the top of our street and hit my car. My neighbor told us that she saw it all happen, she was in her front yard at the time. The guy hitched the car back on and drove off.
We took my car to a body shop recommended by state farm. The shop called and said we had to pay the $500 deductible and they would repair all damages. We kept calling to check in on the car and finally got an update that they had repaired part of the damages but had stopped because State Farm was opening an investigation. Then we received a notice from state farm that their appraiser had said the damages do not all appear to be from the same accident and they would just be repairing the bumper.
I'm not sure what to do, I work from home, barely drive my car right now but had it serviced recently and see it daily so I know there was no damage before this accident.
I'm so confused why they won't fix it. Should I be taking pictures of my car daily in case there is damage to prove that it wasn't like that before? I have talked to several reps and a supervisor at state farm but they said this is their final decision and there is nothing else they can do.
What are my next steps here? The damages were all from the accident but if I were to bring my own appraiser out the car is currently in the shop halfway fixed.
[h4]Coverage Details[/h4]
A - Liability CoverageBodily Injury Limits
Each Person, Each Accident
$25,000 $50,000
Property Damage Limit
Each Accident
$50,000
D - Comprehensive Coverage$100 Deductible
G - Collision Coverage$500 Deductible
H - Emergency Road Service CoverageU - Uninsured Motor Vehicle CoverageBodily Injury Limits
Each Person, Each Accident
$25,000 $50,000
U1 - Uninsured Motor Vehicle Property Damage Coverage
Update -In a surprising turn of events the repair shop guy has changed his story and agrees that the damage is all from the same accident it appears. State Farm is requesting the statement from our neighbor now. It’s been crazy dealing with this, our local agent said the company has changed a lot this year and this is not the only case like this he’s dealing with, he said he’d be willing to testify if we brought it to court.
We took my car to a body shop recommended by state farm. The shop called and said we had to pay the $500 deductible and they would repair all damages. We kept calling to check in on the car and finally got an update that they had repaired part of the damages but had stopped because State Farm was opening an investigation. Then we received a notice from state farm that their appraiser had said the damages do not all appear to be from the same accident and they would just be repairing the bumper.
I'm not sure what to do, I work from home, barely drive my car right now but had it serviced recently and see it daily so I know there was no damage before this accident.
I'm so confused why they won't fix it. Should I be taking pictures of my car daily in case there is damage to prove that it wasn't like that before? I have talked to several reps and a supervisor at state farm but they said this is their final decision and there is nothing else they can do.
What are my next steps here? The damages were all from the accident but if I were to bring my own appraiser out the car is currently in the shop halfway fixed.
[h4]Coverage Details[/h4]
A - Liability CoverageBodily Injury Limits
Each Person, Each Accident
$25,000 $50,000
Property Damage Limit
Each Accident
$50,000
D - Comprehensive Coverage$100 Deductible
G - Collision Coverage$500 Deductible
H - Emergency Road Service CoverageU - Uninsured Motor Vehicle CoverageBodily Injury Limits
Each Person, Each Accident
$25,000 $50,000
U1 - Uninsured Motor Vehicle Property Damage Coverage
Update -In a surprising turn of events the repair shop guy has changed his story and agrees that the damage is all from the same accident it appears. State Farm is requesting the statement from our neighbor now. It’s been crazy dealing with this, our local agent said the company has changed a lot this year and this is not the only case like this he’s dealing with, he said he’d be willing to testify if we brought it to court.