Auto Claim – things seem strange

I was low speed rear ended 2 weeks ago in my brand new 2023 Outback that had 40 miles on it. The other driver’s insurance has taken liability and I’ve been going back and forth with my assigned claim coordinator at the Cincinnati Company, an insurance company I had never heard of before.

I got a web based initial estimate from Caliber collision near my house in the suburbs of Chicago. $1500, but I knew it was low because it didn’t include paintwork on the rear gate which took damage and only was the bumper cover replacement.

The insurance coordinator couldn’t do anything with that estimate and had to have an independent adjuster look at it. That got scheduled finally for last Friday and it was pretty quick.

Today I get a call from the coordinator saying they are ready to issue payment – $1900. I say is it normal for them to pay the claimant directly and not the body shop? She says yes, and I can pick any body shop I want, if there is more damage that shop can file for a supplement. She will also start a reservation with Enterprise for a rental car. She let me know she’d be sending some email docs. Well within those docs there was no insurance company produced estimate. Also, Enterprise called about a half hour later asking if I needed a pickup, which I didn’t, because the car isn’t even scheduled for anything at this point. The rep also let me know the reservation was for a compact car, which is irritating because that’s not comparable to a Subaru Outback.

I also called Caliber collision again to say that I want to schedule the repair, and they didn’t know what to do with all of this. They need an assignment from the insurance company to start work, and even then, I’ll have to take it to them for an estimate, and then wait for them to order parts, and then it will start getting fixed. They had never heard of this insurance company.

I’ve emailed the coordinator requesting the estimate, a rental upgrade, and this assignment thing, no response yet.

Am I in the wrong thinking this isn’t how a claim is supposed to go? Also, I’m spending time on this which I wouldn’t have had to had I not been hit. I’m already planning on fighting for a 17C calculated diminished value payout (not a foregone conclusion I’ll get that in Illinois), but it’s to the point where I also want a settlement for this inconvenience. What’s the likelihood or way to approach that?



View Reddit by Ms_KnowItSomeView Source

I was low speed rear ended 2 weeks ago in my brand new 2023 Outback that had 40 miles on it. The other driver’s insurance has taken liability and I’ve been going back and forth with my assigned claim coordinator at the Cincinnati Company, an insurance company I had never heard of before.

I got a web based initial estimate from Caliber collision near my house in the suburbs of Chicago. $1500, but I knew it was low because it didn’t include paintwork on the rear gate which took damage and only was the bumper cover replacement.

The insurance coordinator couldn’t do anything with that estimate and had to have an independent adjuster look at it. That got scheduled finally for last Friday and it was pretty quick.

Today I get a call from the coordinator saying they are ready to issue payment – $1900. I say is it normal for them to pay the claimant directly and not the body shop? She says yes, and I can pick any body shop I want, if there is more damage that shop can file for a supplement. She will also start a reservation with Enterprise for a rental car. She let me know she’d be sending some email docs. Well within those docs there was no insurance company produced estimate. Also, Enterprise called about a half hour later asking if I needed a pickup, which I didn’t, because the car isn’t even scheduled for anything at this point. The rep also let me know the reservation was for a compact car, which is irritating because that’s not comparable to a Subaru Outback.

I also called Caliber collision again to say that I want to schedule the repair, and they didn’t know what to do with all of this. They need an assignment from the insurance company to start work, and even then, I’ll have to take it to them for an estimate, and then wait for them to order parts, and then it will start getting fixed. They had never heard of this insurance company.

I’ve emailed the coordinator requesting the estimate, a rental upgrade, and this assignment thing, no response yet.

Am I in the wrong thinking this isn’t how a claim is supposed to go? Also, I’m spending time on this which I wouldn’t have had to had I not been hit. I’m already planning on fighting for a 17C calculated diminished value payout (not a foregone conclusion I’ll get that in Illinois), but it’s to the point where I also want a settlement for this inconvenience. What’s the likelihood or way to approach that?



View Reddit by Ms_KnowItSomeView Source

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