I had collision damage done to my vehicle. My Insurance company says
they require that repairs be made by a specific repair shop or individual. Is this so?
they require that repairs be made by a specific repair shop or individual. Is this so?
NO! this is called Steering, and as defined by the Auto Damage Appraisers Licensing Board, is the act of directing a claimant to or away from any specific autobody repair shop or requiring that repairs be made by a specific repair shop or individual.
If you are told that it will take longer to get your car repaired or cost more if you choose your own shop, BEWARE. You are probably being steered. Comments such as "We won't reimburse paint and materials," "We don't pay that rate," "We won't guaranty the work if you bring your car there," or "We won't pay the difference" are misleading and usually untrue. Insurance companies are required to negotiate in good faith with any registered collision repair shop on the proper cost to repair the vehicle to pre-accident condition. You pay insurance premiums and contract to pay a specific deductible in the event repairs are required. In effect, you've already paid for proper repairs.
If you are told that it will take longer to get your car repaired or cost more if you choose your own shop, BEWARE. You are probably being steered. Comments such as "We won't reimburse paint and materials," "We don't pay that rate," "We won't guaranty the work if you bring your car there," or "We won't pay the difference" are misleading and usually untrue. Insurance companies are required to negotiate in good faith with any registered collision repair shop on the proper cost to repair the vehicle to pre-accident condition. You pay insurance premiums and contract to pay a specific deductible in the event repairs are required. In effect, you've already paid for proper repairs.
Why should you choose your own collision repair shop rather than one "suggested" by the insurance company?
There are compelling reasons to choose an independent, trusted repair shop that you know will make sure your vehicle is restored to its pre-accident condition. Insurance appraisers work for insurance companies. Repair shops work for you. They look out for your best interest. They will negotiate directly with the insurance company for the proper repairs so that your vehicle is safe for you and your family. An independent collision repair shop, will serve as your advocate in the repair process. Preferred or referral repair shops contract with insurance companies regarding the costs and repair procedures. The insurance company sets the rules and the preferred or referral repair shop simply follows them to keep the insurance companies' costs down. These cost reductions have to come from somewhere. They may affect the quality and thoroughness of the repair service and/or the quality and condition of the parts used. You have paid your insurance premiums with the expectation of receiving safe and proper repairs, not cheap repairs.
