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Insurance FAQ

ABSOLUTELY YES- Only you may select the repair facility. You have the right to go to the repair shop of your choice. Your insurance company cannot require you go to a particular shop.

NO – Only one estimate from the shop of your choice is required of you. Obtaining any additional estimates is the obligation of the insurance company. Again, you have the right to choose which shop will repair your vehicle and at no additional cost to you. Some insurance companies may want you to visit their drive-in claims center before having your car repaired. You can do this, or you may simply leave your car at our shop and ask that the insurance company inspect the car here.

YES – Unless you agreed to imitation parts when you obtained your policy, you have the right to expect factory original replacement parts.

YES – When the insured and the insurer fail to agree on the amount of the loss, both parties may be entitled to arbitration. A typical arbitration clause would explain that when the insured and the insurer fail to agree on the amount of the loss, either party may be able to get an independent appraisal within 60 days of the date of loss. The insured and the insurer would usually each select a competent appraiser, and the appraisers in turn would select a competent and disinterested umpire. Should there be a disagreement as to the amount between the appraisers, they would submit their differences to the umpire.

Your best bet is to select the shop of your choice to do the repairs and assign them the right to negotiate with the insurance company on your behalf. A reputable shop will put your best interests first and will improve your chances of negotiating a fair settlement. Differences in repair estimates are common. A lower estimate may not include all necessary work. If you’re not sure why one estimate is different from another you’ve received, please ask us.

A claim number is issued by your insurance company at the time you report your accident. Just write it down and bring it in with you when you come in to begin the repair process. Our friendly staff will do the rest.