Frequently Asked Questions
Must I obtain 3 estimates?
No. No one can tell you to obtain more than one estimate. You, as the vehicle owner, however, may do so should this be your desire.
Do I have to take my vehicle to an insurance company's preferred shop for repair?
No. You are not required to take your vehicle to a drive-in claims facility. It is your right as the vehicle owner to obtain an estimate wherever you choose. You are only required to notify your insurance company of the vehicle's location so that it may be examined by the claims adjuster. However, if you have already gone to a drive-in claims facility, make sure you take a copy of the insurance adjuster's estimate with you when obtaining repair shop estimates and choosing a facility to repair your vehicle.
Am I required to notify my insurance company before repairs begin on my vehicle?
Yes. Your insurance policy requires you to notify your insurance company and make a claim report. Once a claim report has been made, you may proceed to choose a repair facility of your choice and notify the insurance company claim representative or adjuster where your damaged vehicle may be inspected. Once a claim representative or adjuster has had an opportunity to inspect your vehicle, you may authorize repairs to begin.
Who is responsible for the guarantee of workmanship?
The Repair Shop. Your insurance company may not accept the liability for the quality and safety of your vehicle's repair. Therefore, you and you alone must control the fate of your vehicle's repair by choosing a proper facility that is adequately trained and equipped to restore your automobile to its pre-accident condition. You have the legal right and authority to do so.
Can my insurance company authorize a repair without my consent?
No. Only the vehicle owner may authorize repairs. You may request to be presented with an estimate to know what is being repaired on your vehicle before repairs are started.
Who is responsible for payment to the repair shop?
You Are. Your insurance policy states that your insurance company will pay for the damages to your vehicle, less the deductible amount. You may instruct your insurance company to pay directly to the repair shop of your choice; however, full payment must be arranged prior to your vehicle being picked up.
The accident wasn't my fault. How are Third Party Claims handled?
A Third Party Claim is where the other person's insurance is involved as opposed to your own. Try to collect from the other driver's policy. You won't have to pay a deductible and are entitled to a rental car while yours is being repaired. No accident will be charged against your policy. The insurance company cannot dictate anything to a claimant. The sole purpose of the insurance company in a third party claim is to pay the bill.