| Accident
What is the name of your state (only U.S. law)? AR
On September 9, 2008 at 8:30 a.m. my stepson backed into my daughter's car while she was visiting and we decided we would take the car to get three estimates on the vehicle. My ex-wife, the mother of my daughter, works for a major insurance company and we immediately called her and told her what we were doing about the damage. We gathered three estimates and naturally went with the lowest estimate to get the job done. On Tuesday night I notified my daughter that we would not be able to get her a rental due to her age (19) but we were making arrangements to get her back and forth to work. After my wife had a conversation with my ex-wife, they agreed to the arrangement.
On September 11, 2008 I started receiving emails from my ex-wife telling me she was filing the accident claim with her insurance company (the company she works for) and that I was going to have to pay my daughter's deductable ($750) and when I asked her whether her insurance company was paying for the rest (she had quoted me a price of $2000 for repairs), she said the insurance company would work a settlement with me. I advised her again the repair facility I was utilizing was also utilized by her insurance company and obviously the facility was good enough for them and told her at that time I would continue to pay for the repairs myself.
On September 12, 2008 I received a phone call from the insurance company's liability adjuster and when she requested to talk to my stepson I advised her the liability had already been determined and I did not understand why the insurance company was pursuing an issue that was already being handled. At that time she advised me to contact the insurance company agent who filed the claim (which I found out later was my ex-wife's boss). I contacted the individual in North Little Rock and at that time he advised me it was the right of the customer to file the claim but when I asked numerous times who was paying for the damage, rudely he would not answer my question to my understanding and when I asked the agent (ex-wife's boss) if the 19 year old had filed the claim, he hung up on me.
Something just doesn't seem right about this whole situation. I was also advised by the owner of the repair facility of what was going on and he explained that insurance companies actually get commission or kickback on funds not spent for the repairs of the vehicle and he would actually turn down the repair if the insurance company came to him for repairs because he had already given me an estimate and knew what they were doing.
Is there any course of action I can be advised on this issue and any comments would be greatly appreciated. Thank you. | 
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