Question 1

Can an insurance company tell me where to get my car fixed?

Accepted Answer

Insurance companies are not permitted to dictate where you have your vehicle repaired. The choice of auto body shop is entirely yours to make.

Question 2

The insurance company wants to total my car; I want to fix it. What can I do?

Accepted Answer

You have the option to retain your salvage vehicle. In this case, the insurance company will subtract the salvage value from the actual cash value. Upon request, they must provide you with the contact information of a salvage dealer who will purchase the salvage for the deducted amount.

Question 3

What if the insurance company and I cannot agree on the amount to be paid by my collision or other than collision (Comprehensive) coverage?

Accepted Answer

In such cases, you can invoke the appraisal provision in your policy. This process involves both you and the insurance company selecting competent appraisers who then choose an umpire. The appraisers will independently determine the actual cash value and loss amount. If they disagree, the umpire will make the final decision. Both parties are responsible for their chosen appraiser's fees and share the expenses for the appraisal and umpire equally.

Question 4

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?

Accepted Answer

Insurance companies are not allowed to apply insurance points for accidents that were not your fault. For guidance on how a claim might affect your policy, it's advisable to consult with your insurance agent who can provide insights into your company's underwriting practices.

Question 5

How long will my vehicle be in the shop?

Accepted Answer

The duration of repairs can vary significantly due to multiple factors. Initially, we need to disassemble your vehicle to assess any hidden damage. After obtaining approval from your insurance company, we order the necessary parts and begin repairs. While awaiting parts, we proceed with any possible work. Once painting and additional repairs are complete, we can provide a more accurate timeline. Our primary goal is to repair your vehicle correctly and efficiently to get you back on the road as soon as possible.

Question 6

What is insurance steering?

Accepted Answer

Insurance steering refers to the practice where insurers influence policyholders to use specific service providers, typically auto repair shops or healthcare providers, within their preferred network. In auto insurance, this often involves recommending particular body shops that are part of a direct repair program. While presented as a convenience, steering can be controversial due to potential limitations on consumer choice. Many jurisdictions regulate or prohibit coercive steering practices, and consumers generally retain the right to choose their preferred repair shop.

Question 7

Am entitled to diminished value?

Accepted Answer

Entitlement to diminished value compensation is possible, but it's contingent on you not being at fault for the accident. If you meet this criterion, you may be eligible to claim for the reduction in your vehicle's value following repairs.

Herring and Son Collision

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