Long story short I was involved in an accident 04/15/2023. My 2021 Camaro SS high performance car is still at the shop with the end nowhere near in sight. There is an engine harness that is on backorder and GM cannot give a date as to when it will be put back into production. My insurance is hanging onto that and telling me my only option is to wait until that part becomes available. They covered the first 30 days of rental coverage and after that was exhausted, it’s been on my wallet ever since. I’ve spent and currently spent thousands just to have something to drive. The issue is the body shop. I’ve been sitting back and observing everything transpire and I have solid reason to believe that there is some kind of fraud going on because first, the body shop is claiming the vehicle no longer goes in reverse. For one, I have video footage of his tow truck guy reversing my Camaro onto the flatbed so that vehicle was able to go reverse the day of the accident. Second, that vehicle is not even supposed to be turned on, nor driven and when the body shop came out with that development the insurance quickly responded with those detail of not starting it or driving because it could cause damage not covered by the policy. Given that mistake and a few other detail with the fraud how should I handle this matter? Should I be seeking counsel? Should I be submitting a complaint with the automotive bureau and, if so, who investigates the fraud?
I do have correspondence between the damage insurance adjuster and the body shop confirming the part needed is on backorder and the adjuster goes on to state that if the harness has anything to do with airbag functionality it would require being replaced which would then put this claim close to a total loss. This communication was dated back in May. The progress that has been made since the date of that email has been denying coverage for transmission service and leaving an outstanding bill unpaid with the dealership. Meanwhile I’m having to spend thousands on rental expenses just to have something to drive. As all this is transpiring the bodyshop is racking up storage fees with everyday that passes. It feels like I’m stuck and I need some advice on which avenue I should be pursuing. I’ve submitted both complaints with department of insurance and the automotive bureau but they do no have my best interest I’m starting to realize. Should I be seeking counsel for an insurance bad faith matter, and if so can this claim mishandling be combined with another claim denial on my renter’s insurance policy with the same company?