Consumer Rights

Read our Bill of Rights below, be sure to call us if you have any additional questions:

Q:  Must I obtain three Estimates?

A:  Generally, no. Unless your policy states otherwise, no one can tell you to obtain more than once estimate. You, as the car owner, may do so should this be your desire.

Q:  I was told that I must take my car to a certain repair shop. Must I do this?

A:  Generally, no. No one can force you to go to a certain repair shop unless your policy states otherwise.

Q:  What is the best procedure for me to get quality repairs and quickly get my car back on the road?

A:  Take your car to a reputable repair shop. Leave it with the manager. Instruct the manager to contact your insurance company and advise them as to the damage repot. You should then call your insurance company and advise them of the car’s location

Q:  I do not believe I was at fault in the auto accident. Should I use my own insurance policy or try to collect from the other party?

A:  Try to collect from the other party because you will not have to pay a deductible. Also, if you use the other person’s policy, you may be entitled to a rental car with yours is being repaired, and no accident should be charged against your policy.

Q:  Who is responsible to the repair shop for my repair bill – the insurance company or me?

A:  You are. You may direct your company to pay the repair shop, but the payment must be in the hands of the repair shop when you pick up your car. Keep in mind you are the customer and the insured. The repair shop owner looks to you for payment and you look to the insurance company for payment.

Q:  Who is responsible for the safety, workmanship and guarantee on my vehicle repairs – the insurance company or the repair shop?

A:  Generally, the repair shop is responsible.

Q:  I am sure that the other driver was at fault, but no one has made any effort to see to the repairs of my vehicle. What can I do?

A:  You are the owner of the automobile. Only you have the legal right to make arrangements for the repair of your car, not the insurance company.

Q:  Do I have to take my car to a drive-in claims service.

A:  Generally, no. Unless your policy provides otherwise, it is not mandatory to take your vehicle to a drive-in claims service. Usually it will suffice for you to call your insurance company and tell them where the vehicle can be examined by the claims person.

Q:  If I go to a drive-in claims service, do I have to take the car to its preferred shop?

A:  No. However, if you decide to take your car to the preferred shop, request your insurance company to implement its “elects to repair” clause (check your insurance policy). This may cause the insurance company to be responsible for, among other thing, the quality of repairs.

Q:  I am having a problem with the insurance company. Can the state insurance commissioner’s office help me?

A: Perhaps, yes, but the commissioner’s authority is limited! The commissioner in your state can delineate the scope of their authority for you.

Q:  Can the insurance company and the service shop make an adjustment and start repairs on the vehicle without the consent of the owner?

A:  No, You should be presented an estimate to know what is being repaired on your vehicle before repairs are made, unless your policy states otherwise.


Most state laws make it unlawful for any person to operate any motor vehicle that is unsafe or has defective equipment. Insist on having your vehicle restored to its pre-crash condition. Do not be pressured into having repair work done by a shop simply because of a lower price or because an insurance company makes you feel like their preferred shop is the only place that you will receive a warranty.

The owners of some repair shops have pledged their shops to a rigid code of ethics. This code is designed to protect you and your property.

We hope this information is of help to

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