We provide our customers a stress-free process to
collect short-pay claims on auto losses
You have the right to choose your own body shop to complete your repairs to your vehicle. Body shops are trained, equipped, and licensed to repair vehicles. You trust that your body shop will repair your vehicle to pre-loss condition. Since the body shop is ultimately liable for the repairs, they need to ensure all necessary operations of the repair are completed. I think it is safe to say that they will fix your vehicle the same way they would fix their family’s vehicle. Understandably, they also need to be paid for their services.
If the repair process wasn’t enough, you are probably feeling like you are put in the middle of your body shop and your insurance company. The truth is…you are being put in the middle of it. The body shop that you choose to do the repairs on your vehicle is invoicing for the work needed to be completed. Your insurance company is telling you that the body shop is charging you things that are not covered under the policy. You are now officially dealing with a short pay claim. The decisions you make now will not only save you stress, but it will also save you money.
Your insurance company has a contract with you in the form of a policy. Your policy explains exactly what is covered in the event of a loss. It is likely that you are correct by believing that you should only owe your deductible. Insurance companies are professionals at paying claims. They are not trained to repair vehicles. To maximize profits for the insurance company, adjusters are trained to minimize the payout on losses. The insurance company is not liable if they didn’t pay you for the full repair. Thus, adjusters have a biased opinion of how a vehicle should be repaired.
Short pay claims are stress full and can leave the insured wondering who to trust. You are not alone. Short pays are very common and just tactics insurance companies use to pressure body shops to accept a lower amount of money to fix your vehicle. In the past, body shops didn’t want to throw their customers in the middle of a disagreement with their insurance company. Thus, shops would settle for a lower agreed repair price and absorb the difference. Recently, lawsuits have proven that shops will be liable if they cut corners. Shop owners only want to be compensated for all the operations that they complete. Insurance companies would rather they still do these operations for free.
The good news is that your insurance company is contractually liable for all costs to return your vehicle into pre-loss condition, minus your deductible. Unfortunately, the body shop cannot legally represent an insured for a claim against their insurance policy. Only attorneys and licensed public adjusters can negotiate a claim on the behalf of the insured. We can probably agree that attorneys wouldn’t take on a claim for the amount of your short pay. However, Insuraclaim has a program where we can attempt to collect the short pay amount you are owed.
Insuraclaim is a licensed public adjuster firm that represents policyholders to their insurance company. We make sure insurance companies pay settlements covered under the policy. We have created a process that is largely automated to cut down on the time spent to collect short pay claims. For a no-obligation review of your short pay claim, please fill out the free claim evaluation on the link below. After our review, we will contact you with our plan to collect the short pay that is owed to you.
The Insurance Policy is a contract between the policyholder and insurance company.
Corporate Headquarters
601 Carlson Parkway | Suite 1050
Minneapolis, Minnesota 55305
