Four Common Automotive Collision Repair Insurance Questions

After an auto accident, it is important that you have your vehicle damage professionally repaired by a reputable collision repair shop. However, dealing with the insurance adjusters and finding the answers to your many questions can be overwhelming. This is why we have taken the time to answer some of the most common insurance questions that our clients ask during the collision repair process.

Does the insurance company choose where you should have your vehicle repaired? It is entirely your choice as to where you have your vehicle repaired after an accident. Your insurance company may try to steer you toward a preferred shop in their network, but the choice is up to you. In fact, state law prohibits these “steering” tactics. Don’t feel pressure to work with a collision repair shop simply because your adjuster prefers them. Your vehicle is a big investment and you want to be sure that an experienced and reputable automotive collision repair shop expertly repairs any damage.

Once an insurance company makes an estimate, will I need to pay for any additional damage that is discovered during the repair process? An appraiser is only able to make an estimate for the damage that is visible. Once the vehicle is taken apart for repair, the technician will look for evidence of any further damage. He will inform the insurance company of any additional repairs that must be made. It is not unusual for there to be at least one supplement to the original estimate.

Should I choose the repair shop with the lowest price because insurance is paying? That old phrase, “You get what you pay for” is often the case when it comes to automotive collision repair. Just because a shop offers the lowest price, it does not necessarily mean that it is the best place to have your car repaired. The vehicles of today are quite complex so you want to be sure that you are working with repair technicians that can restore your vehicle to its pre-accident condition. This includes repairing the outside appearance as well as the safety equipment and special equipment found on modern vehicles. Your car is a big investment so you want to be sure that you receive the best quality automotive repairs available.

Will my car ever be the same? If you use a reputable collision repair shop, your vehicle should be returned to its pre-accident state. This includes returning the function, safety, performance and appearance of the vehicle to like-new condition. Be sure that your technicians use new, high-quality replacement parts. You should choose a shop that offers comprehensive warranties on all repairs. This is one way to guarantee that the customer is completely satisfied with their repaired vehicle.

Repairing your vehicle after a collision should not be a traumatic experience. Find an auto body shop in your area that is experienced in working with insurance companies. They can guide you through the process so you feel comfortable and secure every step of the way.