The relationship between body shops and insurance companies is often not the best. Because the insurance company is the"customer" and because the average insurance company thinks everyone is trying to screw them (maybe like they are doing to us) they demand how the car is repaired and what parts to use, and because they are so special they tell the body shop how much they'll pay for labor. Unfortunately for them they have screwed enough people and the resulting lawsuits they have lost and changes in the laws they are being held accountable for some of their decisions and if they demand substandard repairs with sub standard "CRAP" (Certified Replacement Auto Parts) they are loosing in court and they have to make good on repairs they directed. So now they want to divorce them selves from the repair process, give you a check (usually for less than the car is worth OR what it will take to properly repair the car) and be done with it. He has a choice take their money or take them to court, they have lawyers and language in their policy to protect them. If he looks into it the only case he may have is if they are undervaluing the car on the settlement, get figures and dicker on the cars he found if he can't buy one of them for the settlement plus his deductible with adjustment for mileage and condition counter offer to the insurance company, if they don't bite file in small claims for the difference BEFORE he accepts a check or signs a settlement. His policy may limit reimbursement for acquisition costs (travel/lodging, tax, title, transportation and doc fees. Again he is at a disadvantage because he is dealing with his own insurance company, they have to make good under the terms of the policy (that they wrote) it would be different if you were in a state with conventional insurance (verses No-fault) and another driver was at fault, then the other driver or their insurance company would have to make him whole under the LAW, not an agreement that they wrote with a customer. If your son has a body shop he knows and trusts and works with them he might be able to get the car repaired for pretty close to the settlement IF the insurance company was fair on the settlement (fair settlement from a insurance company on the first offer? buy a lotto ticket it has better odds). If he can have the car down for a while they can use it as fill in work, they might be able to find used/salvage Subaru parts that might even be cheaper than the CRAP parts the insurance company specified.
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Today's Featured Article - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
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