What should I do after I got repairs done on my vehicle and my claim was denied?

I was in a not-at-fault accident in my leased 2019 Acura. I filed a claim with the other party's insurer, filled out paperwork with the body shop, and had them begin working on repairs. Later, I got a call from the insurer saying they are denying the claim based on the price of repairs.

“Before you can have your vehicle fixed, all car insurance companies require that you get an estimate of the work to be completed.
An adjuster with the insurance company ensures that the repair shop is charging a fair price for the work. The insurance company will also work with the repair shop to come to an agreement on the price.
Since the insurance company is now denying the claim, you’ll need to work with them and the repair shop to see if you can come to an agreement. You may end up having to pay for some of the repairs out of pocket.
If you have comprehensive coverage and collision coverage, you could see if your own insurance company would cover the repairs. You will still have to pay your deductible, but this approach may cost less than paying for the remaining repairs out of pocket. “
Emily Maracle
Answered on May 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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