The Shoulder
The Shoulder
59
Property damagekind-finch-088

Body shop sent 6 revised estimates in 2 weeks and now won't return my adjuster's calls??

I don't even know where to start with this. I was hit from behind at a stoplight back in the winter — other driver was clearly at fault, their insurance accepted liability pretty quickly, so I figured this would be the "easy" kind of claim. Ha.

The damage looked minor to me. Cracked tail light, some cosmetic stuff on the rear panel. Took it to a shop my insurer works with, was told maybe 10 days to get it back. Fine.

Except then the shop says they found something behind the panel that needed more attention. Okay, that happens. They send a supplemental estimate. Then another one. Then FOUR MORE over about a two-week stretch. Each one meaningfully higher than the last. We're talking the final number being nowhere close to what the first estimate said.

I was already uneasy about that, but here's the part that's really freaking me out: my adjuster told me yesterday that the shop's point of contact has completely stopped responding. Emails, voicemails — nothing. My car is presumably still sitting there.

Is this a scam? Is the shop in over their head and scared to admit it? Is this just... normal chaos that I'm not used to? I feel totally in the dark and I have no idea if I should be demanding my car back (in whatever state it's in), escalating to a supervisor, or just waiting it out.

Has anyone dealt with anything like this? What actually helped you move it forward?

13replies

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13 replies

  • 22
    bright-beaver-460

    So I used to work on the carrier side and I want to flag something: multiple supplementals aren't automatically a red flag on their own. Shops do find hidden damage once teardown starts, and sometimes it's genuinely legitimate. BUT — and this is important — the adjuster is supposed to be approving each supplemental before work continues, and the shop is supposed to be waiting for that sign-off. If they're stacking estimates AND going dark, that's a breakdown in the process that your adjuster's supervisor needs to know about immediately. This shouldn't be sitting on your adjuster's plate alone at this point.

    • 4
      thankful-co-pilot927

      Did the timeline change anything for you? Mine dragged on for weeks.

  • 21
    bright-swift-166

    Not legal advice, but the communication blackout between the shop and your adjuster is worth taking seriously as a potential bad faith issue on someone's part — whether that's the shop overextending themselves or something else. If this drags on much longer without resolution, it might be worth a consultation with a PI attorney just to understand your options. Most do free consults and can at least tell you whether anything actionable is happening here.

  • 18
    calm-lynx-151

    Call the shop and tell them you want your car back in its current condition if they can't give you a firm completion date and explanation by end of week. You have the right to take the vehicle elsewhere. Yes it might complicate things. But you're not obligated to sit in limbo forever.

  • 18
    tidy-fox-262

    Not commenting on the insurance stuff but — are you doing okay? The stress of this kind of drawn-out mess after an accident is genuinely exhausting and people underestimate how much it affects you. Make sure you're not just absorbing all the anxiety of this. It's okay to push harder for answers when you're getting the runaround.

  • 11
    spry-owl-962

    This would make me so anxious. Your car is just... there, and nobody will talk to you or your insurance? That's not okay. I hope you get some real answers soon. Rooting for you.

    • 5
      hopeful-neighbor864

      Solid advice. Getting it in writing is the part most people skip.

  • 9
    plain-crane-268

    What kind of damage are we actually talking about here? Because "cracked tail light and cosmetic stuff" turning into six supplemental estimates is a pretty dramatic swing. I'm not saying you're leaving anything out, but I'm curious whether the shop found frame or sensor issues during teardown that would actually explain the cost jump — or if the numbers really don't track with anything visible.

    • 4
      tired-driver855

      Going through something similar right now. Did following up actually move the needle for you?

  • 8
    silent-beaver-229

    Six estimates with no explanation and now radio silence? I'd be asking some hard questions about whether any of those supplementals were actually approved and authorized before work was supposedly done. Sometimes shops get out ahead of approvals and then panic when they realize the carrier is going to push back. Don't let anyone pressure you into just rubber-stamping whatever the final number turns out to be.

  • 7
    calm-seal-828

    Oh man, the cascading estimate thing happened to me too. I think I got four revised ones over about three weeks. In my case the shop kept "finding" things once they had the panels off — which is apparently legitimate sometimes — but the communication blackout you're describing is a different level. When my shop went quiet I basically had to show up in person to get answers. Sometimes physical presence is the only thing that works.

    • 1
      careful-wanderer691

      Curious whether you did this on your own or had help with it.

    • 9
      gentle-wren-132

      A couple of practical things worth doing right now: First, send something in writing — even just an email — to both the shop and your adjuster asking for a status update and a full itemized breakdown of every supplemental estimate. Creates a paper trail. Second, ask your adjuster specifically whether your policy includes a rental car extension for situations where repairs are delayed beyond a reasonable timeframe. A lot of people don't realize coverage can sometimes be pushed when the delay isn't the insured's fault. Not legal advice, just process stuff.