Liberty Mutual Insurance Co Complaint - S-C-A-M! - car insurance
NAPERVILLE, ILLINOIS -- On Father's Day of this year (2006), I was involved in an automobile accident. There was substantial damage to my vehicle, and I was required by my insurance company to gain an estimate of damage at an authorized body shop. The shop recommended to me was Cars Collision in Valparaiso. Upon my arrival, I was convinced to leave my car with the shop for repair, though I protested and wanted the option to shop around. I was informed that if the shop did the estimate for the repair and I decided not to do business with them, that I would be charged $500.00. I felt that there was no other option and made my opinion known that I was unhappily agreeing to allow the shop to complete the work. After that point, most of the conversations I had were pleasant to some degree, as well as informative. I was told that the total estimated cost of repair would be $4900, including the repair of previous damage to the car that was necessary to repair before building upon. According to that amount, the car should have been totaled, as the required 70% of the total value of the vehicle was damaged. A estimate of the cars pre-accident worth was then reported to me as $10,000.00, which was surprising as the purchase price of the vehicle was $9995.00 in 2004 (which was an unfair price as the car had been involved in the previous accident mentioned above. This matter was successfully settled with the dealership from which was car was purchased.) Of course, I insisted that this figure was ridiculous. I was later informed that the estimated cost of repair for the vehicle was $3400.00, reduced from the original amount, taking away the possibility of totaling the car. Totaling the car would have been in my advantage due to gap insurance, but the shop and the insurance company (Liberty Mutual) would not have gained from the deductible or the repairs. I had no way to prove my doubts about the estimates, and I again agreed to move on with protest. My complaint is that Liberty Mutual behaved fraudulently and unethically in the handling of this matter.