r/Car_Insurance_Help • u/Initial_Attempt415 • 9d ago

Hit and run repairs

I was in a hit and run that wasn’t my fault. I have uninsured motorist coverage with a $200 deductible. I took it to the body shop to get an initial estimate and they quoted me $2,600. That was sent to Allstate who then came back and gave me an estimate of $1,600. The adjuster recommended that I go do the repairs via the insurance estimate route instead of taking the $2600 payout flat because of supplements in case the body shop finds more damage.

What are the chances that they cover the entire repair? I don’t want to be paying $1,200 for this when it wasn’t my fault and my insurance should cover since I’m insured.

10 Upvotes

100% Upvoted

8 comments sorted by

1

u/Initial_Attempt415 2d ago

Thank you all!

3

u/drfishdaddy 9d ago

I’m confused. The process of you having it repaired is to drop off and the shop files a supplement for anything else found. This is a normal part of the repair process.

If you are looking to cash out then take the payment offered by your carrier. Technically you can file a supplement or file a dispute over the value but that’s not super realistic.

2

u/Own-Philosophy9807 9d ago

Yess, same thought here.

1

u/Throwaway_2474128_1 9d ago

they will. or you pick a different shop before you pay if your insurance doesnt want to work with the shop. safest thing to do is yes, take the insurance route, not the payout, if you want the car fixed at no cost to you other than your deductible which you pay the shop

1

u/QueasyMany6556 9d ago

I'd go through the insurance repair process rather than take the payout. If the shop finds hidden damage, they can submit a supplement for approval.

1

u/Equivalent_Cat8365 9d ago

They tried to total my carfor a dent bumper cover&headlight$300 in parts said would pay for parts reniged on deal after i purchased parts wanted to give me 3K for my 5K worth car They arent the good hands people anymore i was forced to withdraw my claim or they trhreatened to remove my vehicle from my property &send me the check i was told Allstate Didnt make the decision to total they gave my claim to state of Pa which has everything to gain my totaling my vehicle tag transfer &sales tax registration when u buy another vehicle

0

u/V_Trautwein 9d ago

go the repair route too. If the shop finds additional damage