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Your Auto Repair Rights and Insurance Claims: A Comprehensive Guide

A car accident can be a stressful experience, but understanding your rights and the process of filing an insurance claim can help ease the burden. In this comprehensive guide, we’ll cover your repair rights, how to start the auto repair process, and when to file an insurance claim. For any mortgage service needs, contact O1ne Mortgage at 213-732-3074.

What Are Your Repair Rights When Filing a Claim?

When you file an auto insurance claim, you have the right to choose the repair shop that fixes your car. Your insurance company cannot force you to select a specific shop, although they may require you to obtain multiple repair estimates if they believe the initial estimate is too high. The insurance adjuster will compare these estimates to their own, but you are not obligated to accept their estimate if it does not cover the repair costs adequately. Be prepared for your insurer to choose the lowest estimate to avoid paying an inflated repair bill.

How to Start the Auto Repair Process

1. Check Your Coverage

Before starting the repair process, it’s crucial to understand your auto insurance coverage. Most states require drivers to carry bodily injury liability and property damage liability insurance. These cover injuries to others and damage to their property, but not your own. If another driver caused the accident, their insurance should cover your repair bills. If you have collision coverage, it will help pay for repairs regardless of fault. Uninsured motorist coverage can also be beneficial if the at-fault driver has little or no insurance.

2. File a Claim

Once you confirm that your policy covers the repair costs, file a claim with your insurance company. You can usually do this by phone, online, or through a mobile app. Provide as much detail as possible, including photos and videos of the damage. Consider whether filing a claim is worthwhile if the repair cost is close to your deductible.

3. Work With Your Insurer’s Claims Adjuster

After filing a claim, an insurance adjuster will be assigned to your case. They will assess the damage, review police reports, and speak with witnesses. Be present during the inspection, keep detailed notes, and communicate regularly with the adjuster. If you’re unhappy with their estimate, you can request a revision or a different adjuster.

4. Choose a Repair Shop

While your insurer may recommend a repair shop, you have the right to choose any shop you prefer. Some insurers offer a lifetime guarantee on work done by their recommended shops. When selecting a repair shop, consider online reviews, recommendations from friends and family, and certifications from the National Institute for Automotive Service Excellence. Ensure all repair details are in writing and inquire about warranties and rental car coverage.

Will Your Insurance Be Affected by a Claim?

Filing an insurance claim can impact your premium, even if the accident wasn’t your fault. If you caused the accident, your premium could increase by up to 50% for three years. For no-fault accidents, the increase might be less than 15%. Some insurers offer accident forgiveness, which can prevent a premium hike. Factors affecting your premium include the severity of the damage, the claim amount, your driving record, and your claim history.

When to File an Insurance Claim—and When Not To

Deciding whether to file a claim depends on the repair cost relative to your deductible. If the repair cost significantly exceeds your deductible, filing a claim makes sense. However, if the cost is only slightly above your deductible, it may not be worth it due to potential premium increases. Consider factors such as injuries, damage to others’ property, and the at-fault driver’s insurance status when making your decision.

The Bottom Line

A car accident can be overwhelming, but knowing your repair rights and the insurance claim process can provide peace of mind. Remember, you have the right to choose your repair shop and negotiate estimates. For any mortgage service needs, contact O1ne Mortgage at 213-732-3074. Our team is here to help you navigate your financial needs with ease and confidence.

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