Approved Body Shop said I needed to replace the rear quarter panels, when the left rear corner hit a guard rail during accident.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 2, 2012

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Insurance Question from Indianapolis, IN

Asked on 12/02/2012

Approved Body Shop said I needed to replace the rear quarter panels, when the left rear corner hit a guard rail during accident. Original shop messed the repair up, ran the bill up on me, and held the car 5 yrs. Now, State Farm refuses to repair the rear quarter panels because I bought new ones per the sops advice. They also refuse to replace my stolen speakers. The shop charged State Farm for new after market fender, and hood. But, they were full of body putty, and State Farm refuses to replace them. So, isn't State Farm responsible for the actions of their approved shop?

Answer given on December 11, 2012

Your situation with the claim on your damaged quarter panels seems very unusual. You claim that the body shop held your car for five years while repairing the car. It is very unlikely that an insurance company would hold a claim open for five years to repair the quarter panels. You also indicate speakers were stolen, but if the car was in an accident, the speaker theft sounds like a different claim.You need to talk to a supervisor in the claims department to try to settle the claim. Again, a five year repair is not going to come out well since the car is now five years older than when the claim started. If you bought additional parts, without authorization from the insurance company, you may be out that money. If you doubted the honesty of the repair place you should have indicated this right away and moved the car to another location.

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