Dealing with your insurance provider is one of the biggest hassles of being involved in a car accident. A lot of them are honest and do their best to pay out for the repairs that are needed. But there can be things they don’t tell you and you might not know about unless you looked a little deeper.
If you’ve been involved in a car accident and are sorting things out with your insurer, make sure you make yourself aware of the following things they probably won’t tell you about the process.
You can go to whichever repair center you want
Your insurer may recommend or even insist that you visit a particular repair center in town. This is because they have an agreement with this repair center who will lower their prices for the insurer in order to guarantee regular work. Sounds like a great deal all around, right? But not for you. These repair centers can often rush work or do it cheaply to make more money in the long run, and that can affect the quality of your repairs. Don’t settle for the collision center your insurer recommends, choose the one that you want.
You don’t have to use the cheapest parts
Your insurer may also tell you that you have to use aftermarket car parts during the repair. These parts aren’t as good as OEM parts made by your car’s manufacturer because they aren’t created specifically for your car. That can lead to problems five or ten years down the line and more expensive repairs. The truth is that unless it explicitly says this in your contract, you can use any part you want. This is just another trick by insurers to decrease the costs of repairs.
Waiving insurance deductibles is legal
Finally, your insurance may tell you that it is illegal or fraudulent to use an auto body repair center that offers to waive deductibles. Again, this isn’t true. There is nothing in many states’ laws that stop companies from running their business any way that they want—and that includes offering incentives for new customers. This can be a great way to lower the cost of your repair. But you should check with your auto body repair center to see if they do it and how it works.
If you need help dealing with your insurance provider, Chaney’s Collision repair centers can help. We have a long history of working with many of the leading insurers and can be on your side to make sure you get the payout you need as quickly as possible. For more information on our service or to get a quote today, give us a call at (623) 915-2886 or get in touch using our online contact form.