Two cars involved, one rear ended the other. The car that was rear ended suffered scratches from license plate screws of the other car. Is there a max amount that insurance will pay for those minor damages on a 2002 car?
Is there a limit to what insurance will pay for minor damage (scratches on a rear bumper) on a 2002 vehicle?
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3 responses to “Is there a limit to what insurance will pay for minor damage (scratches on a rear bumper) on a 2002 vehicle?”
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Any settlement would be subject to your deductible, regardless of whether the damage was caused by another car, a stationary object or a human being (Collision) or by a falling object, hitting an animal or the like (Comperhensive). Beyond the deductible, the settlement amount will be adjusted between the repair shop and the claim professional.
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When you say (limit) or (minor amount) that would be payed out (in this case a bumper) that would be under the coverage for property damage on the policy. When you say (Minor) amount that can’t be determined unless looked at by repair shop and the Adjuster to determine and agreed upon an amount to repair or replace the damage’s. In addition if the cost to repair or replace the bumper is more then the book value of the car then it would considered a total loss and a check would be cut for the Market value of the vehicle at the time of the accident.
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When you file a claim the insurance company will determine the amount of damage. They policy will pay up to that amount. If you feel that the amount is inadequate you are entitled to appeal the adjuster’s decision. Usually the company that makes the estimate is ready to do the work and many companies will guarantee that work for a period for a period of time.
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