What is the name of your state? Texas
My college daughter was involved in an accident in Oklahoma City, OK a couple of weeks prior to coming home for the summer to Texas. The accident occurred in a IHop parking lot and the police were not called, she and the other party exchanged insurance information. The other guys insurance company sent a third party adjuster (American Claim Services) to write a claim on my daughters vehicle. A few days later she received the initial paperwork from American Claim Service for the damages. Since she was coming home in a few days I told her to wait until she got home to Texas and I would take her '96 Ford Thunderbird into our local dealership for repairs. When she arrived home I took the vehicle in to the dealership and they took the paperwork from AMerican Claim Services and estimated the damage. I signed the form to have the vehicle fixed. The dealership found more damage than the original claim so they faxed pictures to American Claim Services, who in turn verbally, over the phone approved the additional damages to be repaired. The insurance company (Unitrin) was never contacted by the dealership or myself (I turned the vehicle over to the dealership). In the mean time Unitrin denied the claim when they received the paperwork from the Ford dealership and said that they mailed a notice to my daughters college address (we never received it). The dealership adviced that American Claim Services okayed the repairs, which Unitrin says they cannot do and that the dealership should have acquired permission from them before they did any repairs. American Claim Services denies any liability as they do not give permission to fix vehicles, they are only claims adjusters. Now the dealership wants me to pay $1311.11 for a car that is not worth that amount. I did sign the folder for the dealership to fix the repairs based on the original paperwork from American Claim Services (the original damage. I did not know about the additional damage until the vehicle was fixed). They say it is not their responsibility but I feel like they messed up by never checking with Unitrin before they did any repairs. Do I have to pay this amount? What are my options, is any?
Need help in Texas.
My college daughter was involved in an accident in Oklahoma City, OK a couple of weeks prior to coming home for the summer to Texas. The accident occurred in a IHop parking lot and the police were not called, she and the other party exchanged insurance information. The other guys insurance company sent a third party adjuster (American Claim Services) to write a claim on my daughters vehicle. A few days later she received the initial paperwork from American Claim Service for the damages. Since she was coming home in a few days I told her to wait until she got home to Texas and I would take her '96 Ford Thunderbird into our local dealership for repairs. When she arrived home I took the vehicle in to the dealership and they took the paperwork from AMerican Claim Services and estimated the damage. I signed the form to have the vehicle fixed. The dealership found more damage than the original claim so they faxed pictures to American Claim Services, who in turn verbally, over the phone approved the additional damages to be repaired. The insurance company (Unitrin) was never contacted by the dealership or myself (I turned the vehicle over to the dealership). In the mean time Unitrin denied the claim when they received the paperwork from the Ford dealership and said that they mailed a notice to my daughters college address (we never received it). The dealership adviced that American Claim Services okayed the repairs, which Unitrin says they cannot do and that the dealership should have acquired permission from them before they did any repairs. American Claim Services denies any liability as they do not give permission to fix vehicles, they are only claims adjusters. Now the dealership wants me to pay $1311.11 for a car that is not worth that amount. I did sign the folder for the dealership to fix the repairs based on the original paperwork from American Claim Services (the original damage. I did not know about the additional damage until the vehicle was fixed). They say it is not their responsibility but I feel like they messed up by never checking with Unitrin before they did any repairs. Do I have to pay this amount? What are my options, is any?
Need help in Texas.
