I was in an accident, on February 16th, 2014, where a SUV hit my car on the drivers side near the bumper. I wasn't injured and just had a small bump on my head which I got checked out and is fine now. My car is getting fixed right now with total damages coming to around $15,000 dollars. I contacted my own insurance company - Liberty Mutual - to get the fix process started. They will submit paperwork to the at fault insurance company after that. It has been 3 months since my accident and my car is still in the body shop. The car was towed to the body shop on February 18th and an adjuster looked at the car the same day. He made initial estimate of $8000. Afterwards the body shop came up with an estimate of about $14,000 and other supplements which comes to about $15,000.
The insurance company and body shop are playing chicken with me. It took about a month for the insurance to issue a check for the initial amount. I asked why it took so long and both replied that it was the other party not cooperating. The fix date has been moved 4 times since the first time it was opened up. My latest pickup date is May 16th. I called again today and the body shop told me that they need another supplement and have submitted the paperwork. The adjuster is saying that he has other cases he needs to look at first and then will look at mine. He will issue the check by tomorrow.
I was given a rental by Liberty Mutual for a month that is covered by my policy and that ended on March 17th. I've been without a car for 2 months now and using bus/train to commute back and forth to work and home.
It's really disappointing and I want to get some kind of compensation for this. Can I sue the body shop or the insurance company in small claims court? Is it worth the trouble?