Repair Procedure Loss | Auto Claim Specialists

Toyota Tundra
Repair Procedure Loss Dispute

October 31, 2020 by Robert McDorman

Posted June 6, 2020

Our clients 2014 Toyota Tundra was involved in a rear-end collision. Our client filed a collision claim with their carrier Allstate Insurance for the loss. Allstate issued a loss statement/repair estimate for $4,549.12 before the deductible. Our clients certified collision facility issued a preliminary loss statement/repair plan for $6,832.20 to return the Tundra to its pre-loss OEM condition. Our client came to us for assistance with the $2,283.08 under-indemnification and out-of-pocket expense to safely return their vehicle to its pre-loss OEM condition. As a result of going through the appraisal process in the policy, our subsidiary Vehicle Value Experts came to a binding agreement with the Allstate independent 3^rd party appraiser for $7,705.00 as the loss statement/repair cost to return our clients 2014 Toyota Tundra back to its pre-loss OEM condition. The $7,705.00 included what would have been supplemental charges after the complete disassembly process and final repair. The final binding agreement between the unbiased independent appraisers identified an under-indemnification of the loss of $3,155.88 from the Allstate loss statement/repair estimate of $4,549.12 or 69%. Through the invoking of the Allstate policy right of appraisal our client has been made whole for their loss with no out-of-pocket expense other than their deductible.

This client claim was featured in the July 2020 Texas Automotive Magazine. Please click on the link below to read the complete Ask The Expert editorial “How Will You Help Our Clients When Insurers Refuse to Return Vehicles Back to Pre-loss Condition?’

Texas Automotive July 2020 Ask The Expert Editorial

Maserati Ghibli
Total Loss

March 25, 2020 by Robert McDorman

Posted July 24,2019

GAP Provider Liability Realignment

Geico Insurance had deemed our client’s 2014 Maserati Ghibli a Total Loss and offered him a settlement of $25,087.81. The estimated GAP liability was $2,100.00. Our client wanted the vehicle safely repaired to it’s pre-loss OEM condition not replaced.

We successfully settled the claim for $30,739.25. The revised settlement increase allowed the vehicle to be safely returned to it’s OEM pre-loss condition. Once repaired the GAP liability was exhausted.

Net settlement increase was $5,651.44 or 22.5%

Jaguar XJ
Repair Procedure Loss Dispute

November 24, 2018 by Robert McDorman

Posted November 24, 2018

Our client was rear-ended, the at-fault party had Geico Insurance. Our client had USAA Insurance. Our client filed the claim originally thru Geico. Geico delayed accepting liability. Our client filed the claim with USAA. USAA deemed the 2014 Jaguar XJ a Total Loss and offered her a settlement of $27,613.00. Our client wanted her Jaguar returned to its OEM pre-collision condition. We reached out to our subsidiary Vehicle Value Experts for an Actual Cash Value Appraisal. Vehicle Value Experts noted the Jaguar could safely be returned to its pre-collision OEM condition. Upon USAA management being presented with the Vehicle Value Experts Certified Actual Cash Value Appraisal for $34,900.00 and the Vehicle Value Experts recommendation to repair the Jaguar. USAA agreed to repair and return our clients Jaguar back to its OEM pre-collision condition.

The Final Agreed OEM Blueprint Repair Plan was $22,143.13.

Maserati Quattroporte
Repair Procedure Loss Dispute

February 16, 2018 by Robert McDorman

Posted February 16, 2018

Our client has a 2008 Maserati Quattroporte and was insured with USAA. The OEM Certified Collision Facility our client chose to restore her car back to its Pre-Wreck OEM Condition issued a repair estimate for $17,554.93. Our client wanted her Maserati Quattroporte returned back to its OEM Pre-Wreck Condition.

USAA Insurance elected to deem our client’s 2008 Maserati Quattroporte a Total Loss. USAA employed CCC ONE to issue a Market Valuation Report on the 2008 Maserati Quattroporte. CCC ONE arrived at a Perceived Market Value replacement on the 2008 Maserati Quattroporte for $24,495.00.

The Damage to Loss Ratio at the CCC ONE Adjusted Vehicle Value ($17,554.93/ $24,495.00 = 72%) was 72%. Texas Transportation Department sets the Total Loss Threshold as 100% of the Actual Cash Value. Meaning if the repair cost minus the refinishing time, paint cost, and sales tax is less than the Actual Cash Value, said vehicle is eligible to be repaired.

Our client employed us to issue a damage loss module, explain to USAA the Texas Total Loss Threshold code, and negotiate with USAA to repair her car. USAA subsequently agreed to the $17,554.93 repair estimate to restore our client’s 2008 Maserati Quattroporte back to it’s Pre-Wreck OEM Condition after presented the facts.

Check Out What Our Client Had To Say About Us!

Mercedes-Benz GLK350
Repair Procedure Loss Dispute

January 21, 2018 by Robert McDorman

Posted January 21, 2018

Our client has a 2014 Mercedes-Benz GLK350 and was involved in a front-end collision. The Mercedes-Benz OEM Certified Collision Facility, our client, chose to restore her car back to its Pre-Wreck OEM Condition issued a repair estimate for $15,331.30. Our client wanted her Mercedes safely returned back to its OEM Pre-Wreck Condition by her trusted Mercedes-Benz OEM Certified Collision Facility.

Our client has Geico Insurance. Geico Insurance refused to recognize OEM procedures and guidelines needed to safely repair our client’s vehicle back to its Pre-Wreck OEM Condition. Our Client informed us Geico Insurance management threatened to deem her 2014 Mercedes-Benz GLK350 a Total Loss if she did not agree to the unsafe manner in which Geico wanted to repair her car. The Geico Repair Estimate consisted of mismatched parts, non-OEM procedures, and unsafe repairs. The Geico Repair Estimate was $10,718.23.

Our client after being repeatedly informed by Geico Insurance management they only had limited liability in regards to returning her Mercedes back to its Pre-Wreck OEM condition retained us to insure her Mercedes was safely repaired and returned to its OEM Pre-Wreck condition.

Our subsidiary Vehicle Value Experts and the Geico Insurance Independent 3rd Party Appraiser Frontier Adjuster came to a unanimous decision the proper and safe repair cost is in fact $15,331.30. Our Client is now having her Mercedes returned to its Pre-Wreck OEM Condition by Geico Insurance at the Mercedes-Benz OEM Certified Collision Facility, our client, chose to restore her car back to its Pre-Wreck OEM Condition.

Check Out What Our Client Had To Say About Us!

Volkswagen Jetta
Repair Procedure Loss Dispute

December 28, 2017 by Robert McDorman

Posted December 28, 2017

Our client has a 2011 Volkswagen Jetta was involved in a Hail Storm. The OEM Certified Collision Facility our client chose to restore her car back to its Pre-Wreck OEM Condition issued a repair estimate for $8,832.08. State Farm elected to Total the Jetta. Our client wanted her Jetta returned back to its OEM Pre-Wreck Condition.

Our client has State Farm Insurance. State Farm Insurance elected to deem our client’s Jetta a Total Loss. State Farm employed AudaExplore to issue a Market Valuation Report on the 2011 Volkswagen Jetta. AudaExplore arrived at a Market Value replacement on the Volkswagen Jetta for $8,819.00.

The Damage to Loss Ratio at the AudaExplore Adjusted Vehicle Value ($8,832.08 / $8,819.00 = 100%) was 100%. Texas Transportation Department sets the Total Loss Threshold as 100% of the Actual Cash Value. Meaning if the repair cost minus the paint cost, and sales tax is less than the Actual Cash Value, said vehicle is eligible to be repaired.

We were able to renegotiate the Actual Cash Value on the 2011 Volkswagen Jetta to $10,800.00.

Our client employed us to issue a damage loss module, explain to State Farm the Texas Total Loss Threshold code, and negotiate with State Farm to repair her car.

Our Clients Jetta was subsequently repaired to its OEM Pre-Wreck Condition for $8,832.08.