FAQ: Collision Repair
What should you do if you're involved in an automobile accident?
No matter how minor, it is wise to report every auto accident to the police. Then contact our shop. We will assist you with the processing of your claim, answer your questions, and advise you to ensure that safe and proper repairs are made to your vehicle.
Do you have to take your vehicle to a drive-in claims center or get multiple appraisals?
No. If you request it, your insurer must inspect the damage to your car at our facility rather than at their drive-in claims center. They are legally prohibited from coercing or using any tactics intended to prevent you from seeking damage appraisals at your own auto body shop rather than their drive-in claims facility.
Do you have to use a specific collision repair shop?
No. In Connecticut, you have the right to select the collision repair shop of your choice. When your insurer gives you a list of registered repair shops, they likely will have indicated those shops which have entered into a contract with them. The contract determines how your vehicle will be repaired and encourages the use of imitation replacement parts. By choosing an insurance preferred or referral shop, you may be giving up your rights in the repair process.
Why should you choose your own collision repair shop rather than one "suggested" by the insurance company?
There are compelling reasons to choose an independent, trusted repair shop that you know will make sure your vehicle is restored to its pre-accident condition. Insurance appraisers work for insurance companies. We work for you. We are looking out for your best interest. Our shop will negotiate directly with the insurance company for the proper repairs so that your vehicle is safe for you and your family. We, as an independent collision repair shop, will serve as your advocate in the repair process. Preferred or referral repair shops contract with insurance companies regarding the costs and repair procedures. The insurance company sets the rules and the preferred or referral repair shop simply follows them to keep the insurance companies' costs down. These cost reductions have to come from somewhere. They may affect the quality and thoroughness of the repair service and/or the quality and condition of the parts used. You have paid your insurance premiums with the expectation of receiving safe and proper repairs, not cheap repairs.
What can I do to protect my rights?
Let your state representative and senator know how you feel about big business trying to take even more control of your life. Let them know that you value your rights and do not want to lose them. Remember, you pay for auto insurance. No one has the right to deny you the repairs necessary to restore your vehicle to pre-accident condition. It is important to voice your opinion and retain your rights.