Who pays the
You must arrange for the payment. Your insurance policy will state that the insurance
company will pay you less any deductibles or depreciation.
notify my insurance company prior to having repairs done?
Yes. Insurance policies state that you notify the insurance company or your agent, file
a report with them and let them know where the damaged vehicle can be inspected.
responsible for the repair work done?
The autobody shop. That is what makes it important to select a facility that has
properly trained technicians and is equipped to restore your vehicle to its pre-loss
condition. If there are problems with the repair job you should first contact the
manager of the shop. If your problem is not resolved, contact your insurance company
claims manager. You may also want to contact the Better Business Bureau.
What can I
do if my insurance company fails to process my claim or does not pay the amount agreed
You should contact your insurance agent first, then talk to the Branch or Regional
Claims manager for he insurance company. If that fails, you can contact the Illinois
Department of Insurance at: 217-782-7446
Things to consider:
- Your car is very likely the second largest investment you make. Having your car
repaired professionally preserves its value and also your safety.
- You should never drive a car that might be unsafe because of damages!
- The staff at
be happy to help you negotiate your claim with the insurance company.
- It is common to receive a difference in repair estimates from different shops. A
lower estimate may not include all the necessary work.
Attention: DO NOT GET AN ESTIMATE FROM A SHOP YOU WOULD NOT HAVE REPAIR YOUR
Did you Know?
Did you know that you are not required by law
to obtain more than one estimate or appraisal?
insurance companies may ask that you visit their drive-in claims center before having your
Did you know that you can do this or you can leave your car at
Body and ask the insurance
company to inspect the car there?
you know that you have the right to go to the repair shop of your choice? Your insurance
company cannot require you to go to any particular auto body shop. With this in mind,
you should choose an auto body shop that has unibody repair equipment and technicians that
are certified by organizations like ASE or I-CAR. You should also know the extent of
the shop's repair warranty.