that’s why they are moving to the adjusters being the shops doing the work, because then the costs are more accurate and there is less overhead. Increased payouts for cars is what drives up insurance costs as it takes away from the company’s overall credit of insurance money. your skewed political views and lack of knowledge of basic economics is reason for me to not be perplexed by your asinine question as to the rate of insurance premiums being increased due to wasteful spending. If not only empirical costs, but actual architectural and functional pricing played a role in insurance assessments then it would be much more of an arduous process. Adding the convenience of expedited claims allows for the mistaken increase in overall costs and is the direct factor to insurance premiums raising for the consumer.
I hear you mac… but accidents and auto insurance are not forms of income and really are in place to protect injured parties and reliable transportation. Cars aren’t throw away until a generalized monetary value is given to them in order to assess these damages. Using the system to over compensate is what drives up the costs.
I do agree that we pay insurance for a reason, so we are entitled to the money to fix the car, pay for hospital bills, long term injury etc etc… it’s not a source of income though, that is considered fraud.