Use Any Shop

Use Any Shop

Do I have the right to select the shop that will repair my car?

Yes. In order to expedite your claim, select the repair shop; leave your automobile there; and notify your insurance agent or company. This applies regardless of whether your vehicle is leased, financed or you own it outright.

Do I need to get three estimates?

No. You do not have to obtain more than one estimate. You only need one estimate, from the shop of your choice.

All insurance companies owe to return your damaged vehicle to pre-loss condition as related to appearance, function and value.

You are not required to bring your vehicle to the insurance company. If they intend to see the damage, they must come to you. You may also leave the vehicle at the repair shop. The insurer has 6 business days after you report a loss to them within which to inspect the vehicle, or they forfeit their rights to see the damage.

You do not have to drive a damaged vehicle if any safety item is affected. You can be ticketed for driving an unsafe vehicle. Towing is an expense covered under all insurance claims. You are entitled to two tows per loss. The first tow is allowed to safely secure the vehicle from further loss; the second tow, to a repair shop of your choice.

You do not have to accept non-original or counterfeit parts to repair your vehicle; remember the buzzwords here: "Pre-loss condition and value".

Remember, a collision shop that's on an "Insurer's program or list" got there because they cut a deal for cheapest parts and obeys insurer cost-cutting directives. These "deals" may not be in your best interests.

Do not get an estimate from a shop you would not let repair your vehicle.

It is your right to consult an attorney at any time throughout a claim. You may have additional rights that he/she may advise you on. You have the right to access all the provisions of your policy that apply to your loss.