You have the right to select the shop that will repair your car. In fact, to make processing your claim easier, select the repair shop, leave your car there, and notify your insurance agent or company.
You only need to get one estimate. Your insurance adjuster may need to inspect the damage before approving your claim. If your insurance company has a drive-in claims service, and your car is safe to drive, call them for an appointment, take your car there, make sure you get a copy of the insurance adjuster's estimate, and take it and your car to the shop of your choice.
Talk to your insurance adjuster first. Generally, claims are handled by the insurance company's claims department, not agents. If a claim is made to your insurance, they will provide a copy of their estimate for the body shop. We work from this estimate. This is important for several reasons.
Any additional accident related damage will be paid by your insurance company.
We (you and I) know what your insurance is paying and not paying for.
Your vehicle will be repaired properly. If you decide to get your vehicle repaired cheaply without supplying an insurance estimate, it's possible that not all the damage will be repaired. Your vehicle may not be roadworthy, even dangerous to drive.
If you decide to get your vehicle repaired by not supplying an insurance estimate, wanting to pocket most of the insurance money, this could be insurance fraud. If the check is made to the body shop, finance company and you, your vehicle will have to be repaired. We will not sign or cash any check for you without first repairing your vehicle as this would be defrauding the insurance company.
Important Tips To Keep In Mind
Your car is the second largest investment you're likely to make. Preserve its value and your safety by having it repaired professionally.
Never drive a car that could be unsafe because of damages.
Some insurance companies may want you to visit their drive-in claims center before having your car repaired. You can do this, or you may leave your car at our shop and ask that the insurance company inspect the car here. You are not required by law to obtain more than one estimate or appraisal.
You have the right to go to the repair shop of your choice.
Your insurance company cannot require you to go to a particular shop.