If you have received an auto quote you are not satisfied with or do not feel is fair, you can negotiate with the insurance adjuster. All negotiations however will need to be backed by facts or proof that show you deserve more than what’s being offered. There are many ways you can show such proof when negotiating with an insurance adjuster:
Show proof of your vehicle’s worth. You can use online valuation tools such as Kelley Blue Book.
Find comparable vehicles to your own as a way to offer an estimate of your vehicle’s value.
Get a written estimate from your local dealership or body shop detailing how much the repair will cost. This is one of the best ways to quickly get an insurance quote that is hard to dispute.
Ask for your Certified Collateral Corporation (CCC) report. This report offers an itemized list of your vehicle’s features and helps an insurance adjuster determine how much your vehicle is worth. Highlight your vehicle’s unique trim level, as this can significantly impact the value of your car.
If you can secure a quote with your insurance adjuster that you approve of, be sure to get the terms of the estimate confirmed in writing. This will prevent any further disputes.