In December 2015, I was backed into at a stop light on a side road because a teen driver wanted to turn around to go into a shopping center. Police came, they were at fault, filed my insurance claim.
Hood was trashed, the frunk panel (where the latch bolts on) had to be pulled back into place, and the bumper cover was repaired. Here's the issue - at the time, the body shop told me that they wanted to replace the cover but the insurance only wanted to pay for a repair. Okay, fine. And when I picked it up, it looked pretty good.
Fast forward a few months. The place where the SUV spare tire hit (the bumper cover portion between the headlights and right below the frunklid) is curving back into concave shape. To me, it's noticeable - even my non-car-enthusiast mom can see it, and other local Boxster owners I know can as well.
Now I'm being told that insurer still refuses to replace it, and the adjuster even told me that the shop never told him they wanted to replace the cover. I think that's a bit of a false-truth or error on his part.
Is this really something I can fight the insurance company on? If so, how?
Part of me thinks I'm being overly critical, but my car definitely did NOT have that issue prior to being hit. As it is, I don't see it as being made whole (also working on a loss of value claim as well).
Pre-crash:
Post-crash:
See the indentation/curve?