in regard to your above ?.... no there is nothing in law that says
that. Its a line of BS from the insurance companies. Insurance
companies push this because it costs them less money. The problem is
...You most likely would have to retain a lawyer to fight it.
If I'm involved in another accident I want to see the estimate prior
to any work being done. Often times if you are not the cause of the
accident you never see the estimate until everything is done.
I think this is one area where the insurance companies don't disclose
this information that well. The deal with insurance is that you don't
know how good or bad it is until you have problem and then its a
little too late to work the details.
Different states have different laws about insurace. IN some states, it
may be in your policy that they can do that.
Here in the State of Ohio. Insurance Companies at times will tell
people they will only cover the repairs if done by approved body shops.
That is illegal and most people do not realize it. The most a Insurance
company in ohio can do, is make you get a estimate from one of their
approved body shops.
In Ohio you can request only New OEM parts, or only Used OEM parts. The
insurance companies may or may not have to depending on the type policy
In EVERY state it is YOUR responciblity to READ and Understand the Your
RIGHTS, and the Coverage of YOUR Policy. Not all policies are equil,
full coverage does not mean the same from policy to policy.
BTW: I have known some decent insurance adjusters and some who will not
work with a customer.
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