Can auto an insurance company send me an estimate for damages without seeing the car or photos of the damages?

Asked almost 2 years ago - Decatur, GA

I reported the accident (1 car). I have full coverage. with a $1000.00 deductible. Before I could get an estimate to them and without them seeing the physical car or photos, they sent me an estimate for $1000.00. Is this legal or are they just trying to intimidate me?

Attorney answers (7)

  1. Lisa Morgan Edwards

    Contributor Level 12

    5

    Lawyers agree

    Answered . The insurance compnay is trying to get away with paying less than value for your claim. They ought to provide an adjuster to view the car or send you to a shop of their choosing to get an estimate and then you can take it to a shop of your choosing to get another estimate to determine the actual cost of repair.

  2. Glen Edward Ashman

    Pro

    Contributor Level 20

    4

    Lawyers agree

    Answered . Ignore what the insurer sent. Insurers try to rip people off like that all the time. If you were hurt, see a lawyer and do not talk to the insurer at all. (Feel free to call us if that was the case at 404-768-3509). If there is property damage only, get several estimates before you deal with the insurer. Beware of your insurer - this type of behavior is despicable, and it is VERY much how claims adjusters often behave.

    If you find this answer helpful, please mark it here on AVVO as helpful. In answering you, I am attempting to... more
  3. Christian K. Lassen II

    Pro

    Contributor Level 20

    5

    Lawyers agree

    Answered . Insurance companies aren't the richest companies in American because they pay out claims. Retain a car accident lawyer to get you maximum compensation.

    Only 29% Contingency Fee! Phone: 215-510-6755 www.InjuryLawyerPhiladelphia.com
  4. Michael Stephen Wilensky

    Contributor Level 10

    3

    Lawyers agree

    Answered . You should ignore what they sent you. Take the car to an auto shop or dealership and get an estimate on how much the damage will cost to fix. Then send that estimate to the insurance adjuster.

    You should hire an attorney if you were injured; dealing with insurance companies is not easy.

    Sincerely,
    Michael W.
    404-888-0500

  5. Sam Louis Levine

    Contributor Level 14

    3

    Lawyers agree

    Answered . Go ahead & get an estimate first, preferably two (2), one from a reputable body shop & the other from the car dealer. Then based upon that you can then decide what to do. If you want to talk, please let me know. I can be reached @ (404) 303-885. Thx so much.

    Sam Levine, Esq.

  6. Darrell Brinnett Reynolds Sr.

    Contributor Level 17

    2

    Lawyers agree

    Answered . It appears that the insurance as usually are not being fair. You need to provide them with tne estimate that you have.




    Darrell B. Reynolds, Sr.
    Attorney and Counselor at Law
    drey1954@cs.com
    404-636-6616

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    - William Shakespeare

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  7. Kevin Coluccio

    Contributor Level 20

    1

    Lawyer agrees

    Answered . You simply need to get a proper estimate. Once you have an estimate, present it to the insurance carrier.

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