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  1. #1
    Join Date
    Apr 2011
    Posts
    12

    Default Cash Out Estimate vs Customer Pay Estimate

    My question involves insurance law for the state of: California

    I filed a comprehensive claim with $1000 deductible after a rock damaged my car hood, windshield and wiper at highway. I went to a repair shop that works with Statefarm. The "customer pay" estimate was $1700. After i asked for cash out, they resubmitted another estimate to Statefarm, and it's only $1000. They explained to me that it's because cash out estimate is using insurance rate. i think i am being ripped off by either the repair shop or Statefarm. The difference is so huge. Should i get a second estimate for cash out?

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Cash Out Estimate vs Customer Pay Estimate

    If you want another estimate, by all means get another estimate.

  3. #3
    Join Date
    Mar 2013
    Posts
    17,282

    Default Re: Cash Out Estimate vs Customer Pay Estimate

    Quote Quoting highrollers
    View Post
    i think i am being ripped off by either the repair shop or Statefarm.
    I think so, too.

    Quote Quoting highrollers
    View Post
    Should i get a second estimate for cash out?
    Yes.

    And if State Farm doesn't accept it, invoke the Appraisal provision of your auto policy.

    If you never bothered to read your policy, it looks something like this:

    Quote Quoting APPRAISAL
    A. If we and you do not agree on the amount of loss, either may demand an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. The appraisers will state separately the actual cash value and the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will:

    1. Pay its chosen appraiser; and

    2. Bear the expenses of the appraisal and umpire equally.

    B. We do not waive any of our rights under this policy by agreeing to an appraisal.

  4. #4
    Join Date
    Apr 2011
    Posts
    12

    Default Re: Cash Out Estimate vs Customer Pay Estimate

    How much is appraisal? According to the body shop, the difference was caused by original windshield vs after market windshield and different labor rate.

  5. #5
    Join Date
    Mar 2013
    Posts
    17,282

    Default Re: Cash Out Estimate vs Customer Pay Estimate

    You'll have to find people locally and find out what their fees are.

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