Your Vehicles Insurance What You Should Know

Your rights

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.

Comments 2 comments

Eileen Hughes profile image

Eileen Hughes 8 years ago from Northam Western Australia

Good hub. Insurance companies are also very cunning. They will often not replace things. We had a spare tyre stolen out of our boot one xmas. They broke the little flipper window, unlocked the door and opened the boot. They left the presents in the boot and just took the new rim and tyre.

They were only going to pay for a second hand tyre and rim. We fought them and as we had receipts for 5 new tyres they ended up paying up but with out the receipt they would give only s/hand. The same goes for radiators they only replace s/hand these days. Thanks for this

Karen N profile image

Karen N 8 years ago from United States Author

Thanks for the comment Eileen.I think that a lot of people don't realize that you can fight it.

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