when my car was pretty new, someone threw a chunk of concrete through my sunroof, smashing it and f'ing up the interior. the insurance company estimated it at $700. i knew that was waaaaay low, and the adjuster told me not to worry, it would be adjusted if the shop estimated more. i left my car at the dealer (leave that aside for a second) and told them i would be going through insurance. the dealer called back quickly and said $700 was laughable, but a short time later the adjuster called me to say he determined that the dealer "started the work" and the claim wouldn't be adjusted. for a a smashed sunroof, scratched up driver's seat, and cracked wood trim, i got a $200 check and was basically told to **** right off.
i chalked this up to my own fault for not knowing enough about making a claim, so i just took it as a "live and learn" type of thing... but in retrospect, the dealer couldn't have done any real work by that point. they called me asking which repairs from the list i wanted them to go forward with, since it wasn't going to be covered... and i said sunroof only. so they definitely hadn't fixed anything by then. maybe they had vacuumed out glass and took the headliner down, but nothing was repaired.
now i know more about how claims work, i don't think that should have counted as "starting the work" and i think i got boned. thoughts?