Can an insurance company tell me where to get my car fixed?
No. An insurance company cannot require you to go to a particular repair shop.
The insurance company wants to total my car; I want to fix it. What can I do?
You have the right to keep the salvage vehicle. When you do, the insurance company will deduct the salvage value from the actual cash value. If requested, the insurance company must furnish you with the name and address of a salvage dealer who will purchase the salvage for the amount deducted.
What if the insurance company and I cannot agree on the amount to be paid by my collision or other than collision (Comprehensive) coverage?
You can elect to use the appraisal provision of your policy. According to the provision, you and the insurance company will each choose a competent appraiser. The two appraisers will then select an umpire. The appraisers will state separately the ACV and the amount of loss. If they do not agree, they will submit their differences to the umpire. A decision by any two will be binding. The insurance company and the insured will pay its chosen appraiser and bear the expenses of the appraisal and umpire equally.
I don’t want to file a claim against my company because it might raise my rates or refuse to renew my policy, but I’m getting nowhere with the other driver’s insurer. Any advice?
An insurance company cannot charge insurance points for an accident that was not your fault. Your agent can give you advice about your company’s underwriting and how the claim may affect your policy.More Information
How long will my vehicle be in the shop?
It’s impossible to provide an exact timeframe due to the numerous factors involved. The first step is to disassemble your car and determine any supplemental damage, which may not have been visible during the initial evaluation. Once this is done, we’ll need to obtain approval from your insurance company before ordering the necessary parts. While waiting for the parts to arrive, we’ll do whatever repairs we can to expedite the process. Once the car has undergone painting and any additional work, we’ll have a better idea of when it will be ready. Our top priority is to repair your car correctly and get you back on the road as quickly as possible.For More FAQ’s