I was told I have to take my vehicle to a specific repair facility, must I do this?
As the Owner of a motor vehicle involved in an accident or submitting an insurance claim, you have the right to select the repair facility of your choice.
Who is responsible to the repair shop for my repair bill - the insurance company or me?
You are. It is advisable to arrange payment prior to picking up your vehicle. You may direct an insurance company to pay the repair shop directly, but the shop should receive payment before you pick up your vehicle - or payment must be prearranged to the satisfaction of the repair facility.
What is the best procedure for me to get quality repairs and quickly get my vehicle back on the road?
Take your vehicle to a reputable collision repair facility - one you trust or which has been recommended by a trusted source. During the initial stages, be sure to provide the collision repair facility with any appropriate documentation relating to the accident, including police reports and insurance policies (estimates, etc.).
Must I obtain three (3) estimates?
There is no legal requirement as to the number of estimates obtained, however, insurance companies are within their legal right to request a specified number. As the vehicle owner, you may obtain as many or as few estimates as you like.
What kinds of parts will be used on my collision repair?
We work with your insurance company to get the best parts available for all collision repairs. New parts are always preferred; however in some instances, used or aftermarket parts may be considered.
How long will my collision repair take to complete?
Auto collision repair times depend of the size of the job. This will vary depending on part availability and the extent of damage to be repaired.
Can my deductible be waived?
No, your deductible is set by your insurance company. Please check with your insurance company for details. Not repairing your vehicle based on the estimate your insurance company provides is insurance fraud. This is illegal.
Can I take my vehicle to any body shop?
As the owner of the vehicle, you can take your vehicle to ANY collision repair facility you wish. It is illegal for insurance companies to "steer" you to a specific collision repair facility. It is your vehicle, so you get to decide where you want the repairs done.
I don't believe that I was at fault in the auto accident. Should I use my own collision policy or try to collect from the other party?
If you are having difficulty in getting the other party's insurance company to assume liability, you may submit a claim to your company. Your insurance provider can subrogate to the other company on your behalf if they feel there is opportunity. They may be able to recover your deductible and rental car costs for you.
No one from the party at fault has made any effort to initiate the repairs of my vehicle. What can I do?
As the owner of the vehicle, only you have the legal right to make arrangements for its repair, not the insurance company. To expedite repairs, you may submit a claim to your company and then subrogate to the other company.
I am having a problem with the insurance company. Can the Department of Insurance help me?
Generally, the Department of Insurance can assist you. They can describe the scope of their authority to you. You may also want to consider the assistance of the State Attorney General's office.