My wife's 2024 Lincoln Navigator L was rear ended while sitting still in a drive thru 6 weeks ago. Allstate (other party) took 100% liability. She was able to drive it home and then later to the body shop. The body shop came back with a $97,000 estimate which seems EXTREMELY high (see picture) while the insurance company countered $10,000.... After weeks of back and forth it sounds like they are going to total the vehicle that has only 13,000 miles on it. The insurance company is not able to tell us the liability limits on this claim but they are talking like it won't be enough to cover the ACV of the vehicle. We will apparently have to involve our insurance company to pay the difference. Depending on what they will pay, we are likely to lose close to $25,000 from the down payment and payments made this far on the vehicle due to depreciation. Also, we have a 0% interest loan on this vehicle, which we can no longer get so that's a huge bummer as well. My question is, is this something an attorney would take on? Is there any other way around getting completely screwed on this whole deal?

How is that a total loss, unless the frame is bent? I had a 2015 Navigator get rear ended on BW8 several years back and it was totaled, BUT it had 98k miles and suffered frame damage.

Get a few other quotes? That one is insane

You can go to any shop you want. It sounds like it is in your best interest for it to be fixed, get something toward depriviated value and move on for a while

Body shop is claiming frame damage that is repairable. I'll post the estimate.

Buck Compton said:

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It's going to take 620.2 man-hours to fix that car?!?! Airbags didn't even deploy?

So if it was just two people working on it around the clock, they're claiming it would take 7-8 working weeks to repair? How does that track?

But this is what gap insurance is for these days on expensive cars.

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We aren't upside down, gap insurance wouldn't help us here

Not sure if you care, but your name is on that quote.

That's crazy numbers.

Thanks, fixed

Lots of body shops out there, definitely get another quote.

BMach said:

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why is the paint labor listed twice at two different rates?

Also, two different Aluminum repairs?

agracer said:

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BMach said:

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why is the paint labor listed twice at two different rates?

Also, two different Aluminum repairs?

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Paint vs paint labor. They likely figure x amount of paint per labor hour.

Aluminum body vs aluminum structural. I'm assuming one has different standards and requirements.

Prime example of why you should carry un/under insured coverage. PI lawyers dont generally take cases where there isn't any bodily harm. They dont usually handle property-only claims as there isn't much value.

is this a body shop you personally chose?

sts7049 said:

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is this a body shop you personally chose?

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Yes, we have used them in the past and have had no issue.

ok. i asked to know whether the insurance company had directed you there or not.

obviously the quote is astronomical, but i can't figure out why the body shop would want to blatantly overquote something unless they truly believe this is what it takes to fix it correctly. it's too high to lead me to believe they would be doing this as fraud just to get themselves overpaid. if they wanted to line their pockets a little maybe overbill a few hours here or there or something.

BMach said:

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sts7049 said:

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ok. i asked to know whether the insurance company had directed you there or not.

obviously the quote is astronomical, but i can't figure out why the body shop would want to blatantly overquote something unless they truly believe this is what it takes to fix it correctly. it's too high to lead me to believe they would be doing this as fraud just to get themselves overpaid.

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I thought the same. Why would they over quote to lose the job? After speaking to another body shop they they thought the scam here would be to over quote, let it go to auction, buy for cheap at auction, fix for way cheaper and then have a low mileage navigator that they could sell at a big profit.

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This is what I was thinking. But it still seems way out there.

We had a more damaged Chevy Tahoe years ago after a teenager rear ended it. Technically, there was some " frame damage " where the bumper attached but not enough to affect the bumper and panel allignment.
It's been 15 years ago but all in was around 7,000 to fix.

What area are you in? Pick a different shop as that is ridiculous.

Get another quote or two, that's just stupid.

Hopefully their liability Pd coverage isn't the state minimum

I feel your pain. My son hit a guardrail in my 1 year old f150. No airbag deployment or frame damage yet insurance said it is totaled bc they say it has a high salvage value. Their break even was $15k in damages. Greater than that, they would total it. Lowballed the market value too. Argued with them for 5 weeks. Barely was able to pay off loan. Now have to come up with a new down payment for a new truck that is way more expense with worse APR.