My question involves insurance law for the state of: California
I sure hope someone can offer some guidance. My car was involved in a 3-car accident while parked in front of my house. It was hit from the left-rear and there was damage to my bumper, and after driving the car I noticed a shift in the alignment. I'm going through my car insurance first, because the driver who hit the two cars has limited coverage (for damage to other vehicles) of up to $10,000. Well, the appraiser (from my insurance co.) went out to inspect my car and said he can't include the damage to the alignment because it could be due to wear & tear.
I strongly disagree and I'm trying to dispute this assessment. I'm not sure if he saw the damage to the other cars, but they were both totaled - I have no idea at what speed the car hit mine. At the time of the accident, my car was a little over 9 months old and had less than 8,900 miles on it. And prior to the accident I NEVER had issues with the alignment. Mechanically, it was in near-perfect condition. How can I successfully dispute the appraiser's conclusion? What course of action do I have to take? I would much rather avoid a lawsuit, if at all possible. I've never had to file a lawsuit and I wouldn't know where to start. Nor do I have the money for the legal fees.
I'm just confused as to why my insurance company would refuse these repairs if the other person's insurance company is going to be paying for it, eventually. And though it's limited to the $10,000.00, the repairs to my bumper came to less then $2,500 and the other car was totaled and has a KBB value of less than $3,500. I feel like my insurance company is trying to rip me off.
Thanks in advance for your help - It's much appreciated!