Your Rights For Your Vehicle Repair After an Accident

Your Rights For Your Vehicle Repair After an Accident
By Devlin Reasy

Most state laws prohibit the operation of a vehicle that is defective or unsafe. If your vehicle is damaged in an accident, you need to get it repaired to its pre-accident condition so that drive it again. If you vehicle is damaged, there are some things you need to be aware of and consider when getting it repaired. These vary according to state laws and regulations, but the following points can be used as guidelines.

Getting Estimates - Unless your insurance policy states otherwise, you do not need to get more than 1 estimate.

Choosing a Repair Shop - Unless your insurance policy states otherwise, the choice of the repair shop is totally up to you. You shouldn't feel pressured to have your vehicle repaired at any particular shop, just because the price is lower.

Getting Your Car Repaired and Back on the Road Quickly - Choose a reputable repair shop, and talk directly with the manager. Advise the shop's manager to contact your insurance company to report the extent of the damage and the necessary repairs. After leaving the car at the shop, call your insurance company and let them know the vehicle's location, as well as letting them know who will be making the repairs, and who will be contacting them. Also, unless your policy states otherwise, you should be presented with an estimate before the shop begins work on the repairs. Repairs are generally not made without the vehicle owner's knowledge and consent.

Drive-In Claim Services - Many insurance companies use a drive-in claim service. Unless your insurance policy states otherwise, it's not required to use this service unless you want to. You can also contact your insurance company and make arrangements for a claims person to come examine your car instead. Again, depending on the requirements of your policy, when using a drive-in claims service, you don't generally have to take the vehicle to its preferred shop. If you do choose to use the shop, you can ask your insurance company to implement its "elects to repair" clause. This varies among insurance companies, but could have the advantage of having your insurance company assume responsibility for things such as the quality of the repairs.

Responsibility for the Repair Bill - As the owner of the vehicle, you are responsible for the repair bill. The repair shop will expect the bill to be paid when you pick up your vehicle after the repairs are completed. You may instruct the insurance company to pay the repair shop directly, but if not, you will be paying the bill, and then your insurance company will be reimbursing you.

The Responsibilities of the Repair Shop - The repair shop is generally the one responsible for the repairs being made, not the insurance company. These include all guarantees, as well as the safety and workmanship of the repairs.

Following these guidelines can help you be confident that your vehicle is safely & quickly repaired after being damaged in an accident. Always be aware of what your insurance policy states in regards to getting repairs made. If you experience any problems with the insurance company, you can contact the state insurance commissioner's office for help.