Wanting to enjoy the warmer weather, you get out of the house and drive your car more. Misfortune struck as a recent motor vehicle accident, forcing you to put your vehicle into the auto shop while you sort out the matter with the at-fault party’s insurance provider.
United Policyholders describes what to expect regarding the insurance company taking care of repairs. Understand your rights and options for making your car whole and getting back to enjoying summer driving.
Preferred auto shop
Expect the insurance provider to give you a list of preferred shops to handle your car repairs. You do not have to stick to the list if you dislike the provided options. If you prefer, you can take your damaged vehicle to your regular auto repair mechanic. If you do not have a regular mechanic, ask friends and family if they have any recommendations, perhaps one from the insurance company’s list.
When you get a repair cost estimate from the insurance company, look to see if it includes Original Equipment Manufacturer parts or aftermarket parts. Ask your chosen auto shop if they agree with the estimate that aftermarket products suit your repair needs. If they feel you should have OEM parts, tell the provider you prefer they pay for OEM parts. Insurance should restore your vehicle to its former condition, which may include all its original manufacturer parts.
The at-fault party’s coverage may provide you with a rental vehicle. Much like auto shops, you do not have to stick to the insurance company’s list of rental companies.
Do not let insurance companies give you the runaround or misinformation regarding your car repair. Understand when to assert yourself and when to ask for other options.