Originally Posted by BradX978
Ok, so my insurance sucks. I had bumper damage (which needs to be replaced and painted) inner and outer tie rods bent lower control arm damage and a bad wheel bearing. They have me an estimate for ALL Of this including parts and labor.. 417$ dollars. Needless to say I cancelled the claim because my deductible is 500... So my question is
Sounds like you had an adjuster come to you and put together an estimate? They will always lowball, they only do a visual inspection and are aiming to write you a small check and close the claim. Next time you need to take the car to the bodyshop of your choice and have them do the appraisal, they will be very thorough and will then work with your insurance rep to get it sorted.
I would expect this behavior from every company, so changing providers won't help. You also need to calculate if it is worth making a small claim given the impact it will have on your record and future premiums.