Understanding Your Auto Repair Rights and Insurance Claims

A car accident can be a stressful experience, not just emotionally but also financially. If you have auto insurance, filing a claim can help alleviate some of the financial burden. However, navigating the repair process and understanding your rights can be challenging. At O1ne Mortgage, we aim to make this process as smooth as possible for you. For any mortgage service needs, feel free to call us at 213-732-3074.

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 with their own to ensure the costs are reasonable. You have the right to negotiate if you believe the adjuster’s estimate is insufficient.

How to Start the Auto Repair Process

Here are four essential steps to follow when you’re going through the auto repair process with your insurance company:

1. Check Your Coverage

Understanding your coverage is crucial. 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 who caused the accident. Uninsured motorist coverage can also be beneficial if the at-fault driver lacks sufficient 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 via phone, website, or 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 costs are 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 and estimate the claim payout. Be present during their inspection, keep detailed notes, and don’t hesitate to request a different adjuster if you’re unsatisfied with the current one.

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.

Will Your Insurance Be Affected by a Claim?

Filing a claim can impact your insurance premium. If you’re at fault, your premium may increase by a certain percentage, often around 50%, for three years. Even if you’re not at fault, your premium might still go up, though typically by a smaller percentage. Some insurers offer accident forgiveness, which can prevent a premium increase after your first at-fault accident.

When to File an Insurance Claim—and When Not To

Deciding whether to file a claim depends on the repair costs relative to your deductible. If the repair costs significantly exceed your deductible, filing a claim makes sense. However, if the costs are only slightly above your deductible, it might not be worth it due to potential premium increases. Consider other factors such as injuries, damage to other property, and the at-fault driver’s insurance status.

The Bottom Line

A car accident can be overwhelming, but knowing your rights and understanding the repair process can help. You have the right to choose your repair shop and negotiate repair estimates. Stay informed and proactive throughout the claims process to ensure the best outcome. For any mortgage service needs, O1ne Mortgage is here to assist you. Call us at 213-732-3074 for expert guidance and support.

By following these steps and understanding your rights, you can navigate the auto repair process with confidence and ease. Remember, O1ne Mortgage is always here to help you with your mortgage needs. Contact us today!