How To Dispute An Auto Insurance Estimate? 
When the adjuster finishes a claim , they make an offer essentially . A policyholder , particularly in California is not obligated to accept that offer . In the case of auto insurance it normally means that the adjuster has an estimate in hand for the work necessary . Once the work starts , additional damage may be discovered and the adjuster will re-evaluate the claim . If you disagree with the amount of the settlement you can still take the car to whoever you wish and they will go through the same process . It could be that the company will not reimburse for the full bill for your selected repair shop . There are arbitration and legal actions available to come to some sort of agreement . If your concern is over fault , that is an entirely different matter and there is a formal process that ends in arbitration . Once the claim is arbitrated the percentage of fault is assigned and the company is bound by the order . 