Quality Collision Repair - Frequently Asked Questions

Do I have the right to select the repair shop?

Yes. Select the shop of your choice and notify your insurance company of the claim.

Do I Need to Get Three Estimates?

No. Notify your insurance company or agent. Your adjuster may inspect the damage. If possible, get a copy of the adjuster's estimate and take the vehicle to a shop of your choice. In some areas insurance companies can pay claims directly. If an insurance agent asks you to obtain two estimates, ask if they intend to pay your claim directly. If so, obtain two estimates as soon as possible. This will help you settle your claim.

Must I Notify My Insurance Company Before Repairs?

Yes. Insurance policies require that you notify the company or your agent. You will be asked to make a report as well as make the damaged vehicle available for inspection.

What if your insurance company and the collision repair shop of your choice cannot agree on the cost to have your vehicle repaired?

Most insurance policies provide for a damage appraisal. When the insurance company and the customer fail to agree, either party may demand a loss appraisal. This demand can be made within 60 days after the claim has been filed. Each party selects a competent and disinterested umpire and submits their findings to him. A majority decision between the umpire and the two appraisers settles the amount of the loss.

Who Pays The Collision Repair Bill?

You, the customer, must pay the collision repair shop. You may be reimbursed by insurance for this expense less any applicable deductibles or betterment allowances. If the agent is not responsible for paying your claim, contact your insurance adjuster. Generally claims are handled by the insurance company's claims department, not by individual agents. (avoid getting estimates from shops where you do not intend to get your vehicle repaired).

Who Is Responsible For Completing The Repairs?

The collision repair shop. Select a collision repair facility that is properly staffed with trained professionals and equipped to restore your automobile to its pre-accident condition.

What If There Is A Problem With The Repair?

First, contact the manager of the collision repair shop. If the problem is still not resolved, you may wish to contact the Office of Consumer Protection. If the problem remains unresolved you may wish to contact your local Better Business Bureau or the District Attorney. You might also consider a small claims court action.

What If My Insurance Company Fails To Process My Claim Or Pay The Amount Agreed Upon?

Contact your insurance agent. Then speak to the insurance company's regional claims manager. If that fails, contact the Oklahoma Department of Insurance Consumer Hotline 1-800-522-0071.

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