let me get this straight, you paid your deductable of $500 dollars and they wrote you a check for the appraised damage...then you decided to buy a turbo and now the body shop wants more money for unseen damage and you are complaining? hahah wow

 

i get you and i appreciate your help. I was just wondering why they would be concerned with the old check.

I was just thinking since the original parts are paid for and the labor is paid for, and now the only thing needed is NEW part that it really shouldnt matter. But i can understand the other point of view as well.

 

if you feel that way go to the dealership and buy another radaitor support out of pocket. then problem solved i just think its risky getting the insurance company involved again but hey you may get lucky. HOW DO YOUR FEEL LUCKY?? as i stated it all depends on the adjust and why kind of person he is so we are dealing with the unknown factor here

 

If it is something additional that they didn't put in the first estimate, but found later, then it's supplemental. This happens all the time. The original check was not meant to cover what might be found later. The insurance company doesn't need to know how the original check was spent, they only need to know that the additional funds requested are for a legitimate claim not covered by the original estimate.

The original check was earmarked for the original damage, and if further damage is found, then further money needs to be paid. The original check WAS USED (in a round-about way) to fix the damage. It's not lucky or not lucky, the insurance company needs to pay for all repairs legitimately related to the incident after the deductible is paid. Like def1 is saying, the check they sent him was used to cover the estimated damages, he's not asking them to pay MORE for the SAME damages. Insurance companies deal with this all the time. Almost exatcly the same thing happened to me about a month ago with my Saab.

They make an estimate, and the insurance pays based on that. However, if you get it all taken apart and find more related damage, the insurance still must pay for that too. That's why the word "supplemental" exists, and is used every day.

When I had mine, the insurance company and the body shop worked it all out, including supplemental costs AFTER they thought they had everything. If it's truly related to the incident, you should have no problem at all.

 

^^^ what i was hoping to hear. thanks

 

I think they appraise claims really low just to stop people from doing this. My repairs bills both times have been almost 2x as much as original appraisal. There's always something they didn't see. I don't dare do what you did. It would be nice to make money off an accident but stuff like this can **** you over.

 

Worst case scenario is that they deny the supplemental claim and you have to just get whatever additional parts are needed on your own.