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Your Rights as a Consumer
Insurance Claim
Insurance Claim

As a consumer it is important that you understand your rights to choose where your vehicle is repaired and what type of service you should accept.

  1. You have the right to choose your repair shop. Your insurance company cannot require you to go to a particular repair facility.
  2. You should choose a repair shop that has "state-of-the-art" equipment.
  3. Some insurance companies request that you visit their drive-in claims center before having your car repaired. Whether you choose to do so is your choice. You may prefer to leave your car at your collision repair shop and request that the insurance company send an appraiser to that facility.
  4. There is no legal requirement that you obtain more than one estimate for your vehicle repairs.
  5. Differences in shop repair estimates and insurance estimates are common. A lower estimate may not include all necessary work or updated parts prices. If you are unsure why one estimate is different from another, feel free to ask your customer service representative at your repair shop.
  6. Verify what type of parts your repair shop is using. Used, Aftermarket or New OEM.
  7. Use a repair shop that offers a Lifetime Written Warranty.
  8. Your collision repair shop should negotiate your claim on your behalf with the insurance company.
  9. If your car is unsafe to drive, do not drive it. If you are unsure, check with your repair facility.
  10. Your car is one of your largest investments. Preserve its value and your safety by having it repaired professionally.