The insurance company gave me a list of their Direct Repair Shops. Do I have to use one?
No. You are the vehicle’s owner and can choose any repair facility. Your insurance company cannot require you to go to any particular shop.
The insurance company told me if I use a shop of my choice, I may have to pay more for repairs and may not get a lifetime guarantee. Is that true?
No. All repair shops work with the insurance company to negotiate the proper repair of your vehicle.
Are there differences in repair estimates from one shop as compare to another?
A lower initial estimate may not have included all the necessary work. Once the car is taken apart during the repair process, the insurance company is called to look at the vehicle in order to authorize the payment of additional work. This is fairly common.
What are some important points I should look for in a repair facility?
Make sure the shop has the proper equipment:
- Unibody frame repair bench;
- Three dimensional measuring system;
- Compression resistance spot welder to duplicate factory welding techniques;
- Computerized four wheel alignment machine to complete the repair by discovering damage to the suspension system that was caused indirectly by the accident;
- Proper paint mixing that is able to color match your vehicle; and,
- Factory, ASE, certified or I-CAR trained technicians.
Will the insurance provider for the other driver cover the cost of my car repairs?
Sometimes the other driver’s insurance company will cover the cost of repairs to your car or other automobile. However, this does not always happen. For example, if the cause of the accident is disputed the other driver’s insurer may not want to pay for your repairs.
You can, however, have your own insurer cover the cost of repairs if you have purchased “collision coverage” as part of your insurance plan. It could work out better this way. Your insurance provider may actually offer a better repair service than the other guy’s.