This will help you determine if the first mechanic's assessment is accurate. If the second mechanic agrees that the frame is bent and unsafe to drive, you will have stronger evidence to present to the insurance company.
2. Contact your insurance company and explain the situation.
Provide them with the information from both mechanics, and ask them to reconsider their decision. Be sure to emphasize the safety concerns involved in driving a vehicle with a bent frame.
3. File a complaint with the state insurance department.
If the insurance company still refuses to cover the repairs, you can file a complaint with the state insurance department. This may help you resolve the issue and get the repairs covered.
4. Consider legal action.
If all else fails, you may need to consider legal action to get the repairs covered. This could involve filing a lawsuit against the insurance company or pursuing arbitration.
Here are some additional tips that may be helpful:
- Keep all of your documentation related to the damage to your vehicle, including estimates from mechanics and correspondence with the insurance company.
- Be persistent in your efforts to get the repairs covered. Don't give up if the insurance company initially refuses your claim.
- Be prepared to fight for your rights. If necessary, you may need to take legal action to get the repairs covered.
