Your Vehicles Insurance What You Should Know
When it comes to their auto insurance, consumers don't always know their rights. But hopefully this article when help to demystify the process just a little and let you know what to expect after an accident.
After the accident
Now that it's actually happened, the first thing that you need to do is to contact your insurance co. Sometimes but not always they will require two estimates from different auto body shops.
After the estimate
After you've gotten the estimate or estimates the insurance co. will look them over and decide what they will or won't pay for. If you have more than one estimate they will most likely want to go with the least expensive one. But that doesn't mean that you don't have a say in things because it is after all your car.
If the damage is over 1000. the insurance co. will usually send out an adjuster to look it over and make an estimate.
Which shop to choose
When it comes to choosing an auto repair shop, references from family friends and co-workers is probably the best route to go. Your insurance co. will sometimes refer a shop but that is most likely because the shop belongs to one of their referral programs. So you're really not guaranteed a better price or quality. Bottom line a lot of customers don't realize this but you the customer (not the insurance co.) has the right to decide who does and does not work on your car.
Now it's time to go over your estimate with the repair shop and set up an appointment to have it repaired. So this is the time for you to go over your concerns with the shop manager. Such as if your car is a newer model and the insurance co. has specified for the repair shop to use after market or used parts instead of oem. The insurance co. does this to help cut costs, but the quality usually isn't as good with after market as it is with say genuine GM parts.
Back To New
At this point it's up to you the consumer to take matters into your own hands and deal directly with the insurance co. If you own a fairly new car then it's your right to expect that it will be repaired back to the same condition as it was in before the accident. That is after all why we pay the insurance preminums in the first place, and that means new parts, not after market and certainly not used!
The repair shop can only do what the insurance rep instructs them, and the customers word always carries the most weight. Just remember to stay calm and firm with them. And if you can't get anywhere with your insurance agent then ask to speak to his supervisor.
I've seen this work more than once.