My question involves insurance law for the state of: Maryland
I've read a few articles here and have a better understanding of the subject, but still would appreciate another set of eyes to review my case, so here goes ...
My vehicle $80k new, six months old, 6k miles on odo. I was proceeding thru parking lot (my hometown), t-boned by out-of-state driver backing out into side (rear door and quarter panel of my aluminum-skinned vehicle). Long-story-short, at-fault driver's insurance agreed 100% liable for damage so thought I was doing well until I took car to body-shop of my choice (Audi Aluminum/Steel hybrid certified). The ins company adjuster came out and put $4k on the damage, shop wants $18k to repair. I went to my ins co to deal with it and their adjuster came back $5k. The car was "blueprinted" by the shop so now in many pieces. There would be dismantling and storage expense to move it to another shop. I have spoken to several other Audi aluminum-cert shops in area, sent them pix, etc. and they are all saying the shop's price is in the ballpark, but would have to see the car so both ins companies low-balling the estimate, imho.
My insurance company has an Audi-cert shop "they work with," but my experience with that shop is absolutely horrible so I will not consider them, though I may get away with zero cost out-of-pocket. I expect this sort of treatment, but the insurance estimates and my shop are so far apart, not sure what to do. I could pay for the repair and then sue the at-fault driver locally? Is that probably my best course of action? My question to my insurer is why do you sell coverage and charge a premium for a car you are not willing to repair properly? I have asked if they will move the car to any other Audi-cert facility and think they can have it repaired at the cost they are quoting, but giving me the correct and quality repair for the vehicle. I've yet to get an answer to that.
I have to get my policy out to see if there is a review/mediation/arbitration, etc. clause to see if I could hire an independent appraiser or is that a given? I also think I could contact the MD Insurance Commission, but not sure they would take any action on such a trivial matter?
Appreciate any follow-up questions re. details I've left out and certainly any input as to what I should consider as my next move. Thanks!