Say a car is grazed causing a scuff and someone else is at fault, and pictures are taken. There are no dents or dings. Just a small scuff where it was grazed.
What would an insurance agency of the person who was legally at fault do if extra damage is done to the scuff making it impossible for the appraiser to tell what damage was caused by their customer?
Would the insurance agency even be liable at that point since a completely other process has to be done in order to repair the vehicle? Would that just fall under "too bad so sad stuff happens"?
What I mean is, what if the scuff is sabotaged in some way. Spray painted over, scratched all the way off, whatever.. Making it impossible to know what it would have cost / took to repair the damage done by the first party.
How would an insurance company handle that? Just go off of the pictures and pay what they think is fair?
I'm really curious to this because I don't see insurance agencies just handing over money. I mean, yes they owed money to fix the scuff, but at this point giving them money to fix the scuff is pointless and they aren't liable for the extra damage right?
What would an insurance agency of the person who was legally at fault do if extra damage is done to the scuff making it impossible for the appraiser to tell what damage was caused by their customer?
Would the insurance agency even be liable at that point since a completely other process has to be done in order to repair the vehicle? Would that just fall under "too bad so sad stuff happens"?
What I mean is, what if the scuff is sabotaged in some way. Spray painted over, scratched all the way off, whatever.. Making it impossible to know what it would have cost / took to repair the damage done by the first party.
How would an insurance company handle that? Just go off of the pictures and pay what they think is fair?
I'm really curious to this because I don't see insurance agencies just handing over money. I mean, yes they owed money to fix the scuff, but at this point giving them money to fix the scuff is pointless and they aren't liable for the extra damage right?