AUTO BODY COLLISION REPAIR SHOPS
FAQ's ABOUT YOUR AUTO BODY COLLISION REPAIR SHOP
Q - How do I know if an auto body shop is a quality and professional repair facility?
A - Automotive Service Excellence (ASE) and I-CAR are training and certification associations for the auto body collision repair industry. Look for these ASE and I-CAR logos which indicate that technicians at that facility are well trained and certified by these associations.
Q - What is no-fault insurance?
A - With no-fault insurance, the victims of an auto collision are compensated by their own insurance company, regardless of who caused the accident.
Q - What is the difference between auto collision physical damage coverage and comprehensive physical damage coverage?
A - Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your auto body collision repair coverage.
Comprehensive provides coverage for most other direct physical damage losses you could incur. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.
The differences between converges
First, in order to make an informed purchasing decision about these optional coverage, you need to know the difference between them.
Second, the deductibles under the collision and comprehensive coverage are often different in amount.
Q - Can I choose my own auto body collision repair shop?
A - Yes. Provided the auto body collision repair shop is licensed, your insurer has to try to reach an agreed price with the shop of your choice. If your company cannot reach an "agreed price", they will provide you with the names of licensed auto body shops who can do the repairs for the price the company has determined.
Q - Can I ask my insurance agent to recommend an auto body collision repair shop?
A - Yes. At your request, your company must recommend a qualified auto body collision repair facility convenient to the vehicle's location which will repair the vehicle at the price the company is willing to pay and whose work is guaranteed. Your insurance company further stands behind the auto body shops guarantee.
Q - Does my insurance company have to use new parts to repair my car?
A - No. The contract of insurance only obligates the insurance company to restore your vehicle to the same condition it was in before the loss. Sometimes this requires the use of original equipment manufacturer OEM parts and sometimes after-market parts can be used. After-market parts are parts made by a manufacturer other than the original manufacturer.
Q - Do I have to accept non-oem parts?
A - No, the final choice is yours but if the insurer wants to use non-OEM parts and you decide to use more expensive OEM parts, you may have to pay the difference in cost.
Q - Do I have to pay a deductible.
A - When you bought your policy, you chose a deductible for your physical damage coverage. This is the amount you are responsible for if a claim occurs. The higher your deductible is, the lower the cost of your physical damage coverage. Your insurer will deduct that amount from the settlement of your claim.
No comments:
Post a Comment