They paid for it last time. Now your rebuttal says so.

Same shop, same insurer, both answers

The same line, written the same way, at the same shop, for the same insurer. Paid on one file. Cut on the next. We looked at every shop that wrote an operation on five or more files with one insurer: in 44 of those 60 cases, the insurer gave both answers.

Eight examples, one square per file, oldest first

Paid in fullCutSome of each

Hazardous waste Shop A · Insurer 1 Color tint / match Shop A · Insurer 1 Post-repair scan Shop A · Insurer 1 Cover car / bag Shop B · Insurer 2 Hazardous waste Shop C · Insurer 1 Clear coat Shop B · Insurer 3 Aim headlamps Shop D · Insurer 4 Flex additive Shop F · Insurer 3

Shops and insurers are not named. 305 short pays, 24,134 shop lines, 48 shops, November 2025 to September 2026, customer shops only. A row is one shop, one insurer and one operation the shop wrote on five or more files.

Nothing about the operation changed between those files. What changed was the answer. That is exactly what an earlier repair order shows the adjuster.

Can they cut something they paid for last time?

They can. What they can’t do, in most states, is cut it without a reason.

• The cut has to be explained. Nearly every state has an unfair claims practices law based on the NAIC’s model act.[2] It makes it an unfair practice to fail to give “a reasonable and accurate explanation of the basis” for a denial or a compromise settlement.[1]
• A policy reason has to be named. Under the NAIC’s model regulation, an insurer can’t deny a claim on a policy provision, condition or exclusion unless the written denial names it.[3] An internal guideline is not a policy provision.
• The estimate has to fix the car. The same regulation says the insurer’s estimate “shall be reasonable, in accordance with applicable policy provisions, and of an amount which will allow for repairs to be made in a workmanlike manner.”[3]
• Some states want it line by line. In California, an insurer that adjusts the shop’s estimate must “identify the specific adjustment made to each item and the cost associated with each adjustment.”[4]

That’s where Reclaimr Pay History comes in. If it is cut this time with no reason given, the RO number puts the question where it belongs: what is different about this car?

Rules differ by state, and between an insurer’s own customer and a claimant under someone else’s policy. This section summarizes public rules for education. It is not legal advice.

How Reclaimr does it

1. Tony finds what was left off.Every operation on your estimate with no line on the insurer’s.
2. Reclaimr checks your files.Every earlier file at your shop with the same insurer, for a repair order where that insurer paid the same operation.
3. The RO goes in your rebuttal.Up to three, most recent first, in the argument you send and in your Supplement Overview.
4. It stays true.If a file moves, the insurer on the case changes, or the insurer adds the item back, the citation comes off.

The rules it follows

• The RO numbers come from your records, never from the AI. Tony writes the argument. The program adds the repair orders after, so an RO number can’t be made up.
• Your shop and the same insurer only. Never another shop’s files, never another insurer’s claims.
• Only the RO number. Never the customer, vehicle or claim from the other file.
• Only when it was left off completely. A line the insurer wrote lower gets its own argument, not an RO citation.

Operations it checks

Hazardous wasteColor tint and matchColor sand and buffCover car and maskingClear coatFlex additiveFeather, prime and blockCorrosion protectionPre-repair scanPost-repair scanHeadlamp aimCalibrations, by systemBlendThree-stageSpray-out panelAdhesion promoterRefinish edges

Sources and method