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Property Damage Claims
How do you know what it takes to fix the damage?
Our certified auditors evaluate the estimates and apply parts pricing and procedure times contained in ADXE estimating system. We adjust the software to the specifications the clients provide us with objectives to not only meet but exceed their expectations. On the rare occasion in which the damages do not match up the described loss, we will suggest a visual inspection.
How can you appraise the damage without seeing the vehicle?
We are not estimating damages. We are making determinations as to what Usual, Customary & Reasonable and so it has more to do with our approach to a meticulous analysis of the estimates we audit.
Do you guarantee that you'll at least save your fee?
NO, with our service, we cannot guarantee savings; however, we guarantee a thorough review and expect an unbiased, fair and accurate estimate. By selecting ACIS for your desk reviews, you can count on lower rental exposure, positive claims experience, a decrease in ALAE, and reduced workload.
Do you get agreed on prices with the body shops?
We will do so if requested and email the body shop a copy of the audit.
What about supplements?
Our office contact information is listed on the audit allowing the body shop to contact us directly. It's established that body Shops have an obligation to notify us of supplemental damage before continuing with the repairs.
Property Damage Claims
How can you write a PD estimate without scoping the loss?
We are not writing the estimate; we are auditing general contractors/tradesman estimates for the accuracy of repairs, materials used and local market pricing. Leaning on our extensive knowledge base and a strong background in the industry, we discuss the repairs and come to a consensus on the agreed cost of repairs with the contractors.
How can depreciation be determined?
During our discussions with the contractors, and with the aid of digital pictures, the general condition of the property is determined. Consideration for Betterment charges is according to the policyholders dwelling coverage policy language. We also address co-insurance compliance if applicable.
How is accurate unit cost pricing established across the many different regions when the cost factors can vary significantly?
We use Symbility and Xactimate for unit cost, which is accepted throughout the industry.
How do you respond to coverage issues such as deterioration, pre-existing damage, rot, and matching issues?
All the issues mentioned as addressed during conversations with the contractors subject to final approval and review with the handling adjuster.
Subro Audit Reviews
If the applicant saw the auto and the respondent did not, how is it that the respondent can question what was paid?
If the applicant paid for the excessive charges, such as:
Failure to account for new parts that were utilized on older vehicles. Especially when there were LKQ or remanufactured OE parts readily available.
Unwarranted estimating system overrides regarding parts and labor.
Failure to take betterment where applicable.
Inability to account for paint refinish overlap or base coat reductions where appropriate.
Excessive rental charges.
Didn't the applicant pay in good faith?
If the applicant overpaid in good faith, the Respondent is under no obligation to continue that mistake by repeating it. The respondent is also responsible for acting in good faith on the part of his policyholder and stock owners to make due diligence not to overpay for anything.
Then, in turn, the applicant should approach the vendor that overcharged and demanded reimbursement.
How does this stand up in arbitration?
Over 90% of the cases, we handle settle without contention. The remaining that do happen to go to arbitration increasingly taken as exceptions seen as justifiable by the respondents.