?Auto Body work insurance interview?
My car was struck form the reverse, while parked (it was proved not to be my fault). To get it fixed, I hold the option of using a body shop linked to the insurance company, or choose a body shop on my own. What are the pros and cons of going one approach or the other?. I ask this, because I am thinking the auto body remmended by the insurance company might do a "less that perfect" job. I am assuming that the insurance company will put pressure on them do lower the estimate for the repair. Is this true, or am I simply being too paranoid?
Thanks
Answers:
the pros of goimg woth the insrance co is that they enjoy to warante the work. if you choose to go with your own body shop later you may void th eright for a less than unfaultable job. yes they will go beside the lesser of the estimates but that does not mean a smaller quantity quality job.
The pro's of going next to shop given by your insurance are: Only one estimate required. Estimate usally approved by insurance company within a day, or two. The body will fax the estimate directly to the company, and they will look it over, and agree to them know electronically. All work done by that shop would then usally be guaranteed by your insurance company for as long as you own the veh. Including any parts put on. Cons I dont think at hand really are any. Downside of using your own shop.. You have to wait for that shop to fax within estimat to insurance company, then you have to hang about for the adj to review the estimate that can take a couple of days. No guarantee by insurance company if work fails. Basically shop given by your insurance can take you in and out faster, and u'd have the guarantee. Your shop could be a long, and dragged out process.. And yes your insurance company will other go with lower of two estimates wether its in attendance reviewed estimate or the body shops. Most body shops like to use OEM parts(brand new factory parts) insurance companys will use aftermarket, or recycled parts when usable to let go money for both parties.. They will never accept a brand foreign part for a veh if there is a used, or after flea market part available. But look at it this way. Factory parts usally merely carry a 3-5 year warranty. Aftermarket parts are guaranteed for as long as u own the veh. Source(s): Claims Adj
Actually a body shop has to be reasonably credible to get on the list of the approved shops for insurance companies. They probably administer the insurance company some breaks as to labor costs in exchange for some volume in business, but for the most part of a set they will do a good job on your vehicle. The other side benefit is, at lowest possible for most insurance companies, if you use their shop and it isn't done right, they will assist you in getting it done correctly. If you choose the shop and run into a problem you are on your own.
As to "I am assuming that the insurance company will put pressure on them do lower the estimate for the repair." that assumption is wrong. Once a shop is approved, unless there starts to be seriously of customer complaints, it's a pretty good relationship between the shop and the insurance company, and neither side has to second guess the other.
If you go beside a shop recommended by the insurance, you should receive a guarantee for the repairs as long as you own the car. If there is a problem near the work the insurance company can intervene on your behalf.
If you go with your own shop, which you hold the right to do..any guarantee is strictly between you and that shop and the insurance can not, and will not, intervene on your behalf. So if there's a problem with the work don't call your insurance company complaining, appointment the shop.
I know someone that did not want to go near the insurance companies preferred shop. He went to the body shop of his choice. It took them forever to finish the work and when it was done the post was horrible. I saw the vehicle when it was finished. There be runs in the paint and there be spots on the hood that did not get clear coated, the grill and hood were misaligned. The insurance company be not able to help him near the bad work because he picked a shop of his choice. If he would have gone to a preferred shop, they would own taken care of it for him. They don't do an inferior job. Most of the times they do a better career because they want to stay on the insurance companies preferred list.
Pros of using insurance panel of body shop
-repairs are right for a specified time frame
-any dissatisfaction can be lodged with the insurance company immediately and they will nick it up with the body shop
-quality will be generally worthy because they would want to be continually appointed as an insurance's panel body shop
Cons of using insurance's panel of body shop
-repairs will be slower because they have to wait for approval for repairs from your insurance company
--------------------------------------…
Pros of using your own body shop
-faster repair works to be done on your vehicle
-better service as it is your own body shop
-less red video
Cons of using your own body shop
-no warranty on the repair works
-at your own risks
Don't worry, the body shop recommended by your insurance company will not want to tarnish their reputation by doing a less than surefire job. Generally, insurance company only appoints the matchless ethical body shops to be in their panel so you should be assured. Nonetheless, if you do have any dissatisfaction, later kindly advise your insurance company.
you are very right. the insurance company selects a shop that can do the cheapest work possible. they be paid more money that way. an insurance company would rather use a slavage part of the pack then a new piece. the more they save the more they make Source(s): automotive tech 6 years
Related Questions:
Thanks
Answers:
the pros of goimg woth the insrance co is that they enjoy to warante the work. if you choose to go with your own body shop later you may void th eright for a less than unfaultable job. yes they will go beside the lesser of the estimates but that does not mean a smaller quantity quality job.
The pro's of going next to shop given by your insurance are: Only one estimate required. Estimate usally approved by insurance company within a day, or two. The body will fax the estimate directly to the company, and they will look it over, and agree to them know electronically. All work done by that shop would then usally be guaranteed by your insurance company for as long as you own the veh. Including any parts put on. Cons I dont think at hand really are any. Downside of using your own shop.. You have to wait for that shop to fax within estimat to insurance company, then you have to hang about for the adj to review the estimate that can take a couple of days. No guarantee by insurance company if work fails. Basically shop given by your insurance can take you in and out faster, and u'd have the guarantee. Your shop could be a long, and dragged out process.. And yes your insurance company will other go with lower of two estimates wether its in attendance reviewed estimate or the body shops. Most body shops like to use OEM parts(brand new factory parts) insurance companys will use aftermarket, or recycled parts when usable to let go money for both parties.. They will never accept a brand foreign part for a veh if there is a used, or after flea market part available. But look at it this way. Factory parts usally merely carry a 3-5 year warranty. Aftermarket parts are guaranteed for as long as u own the veh. Source(s): Claims Adj
Actually a body shop has to be reasonably credible to get on the list of the approved shops for insurance companies. They probably administer the insurance company some breaks as to labor costs in exchange for some volume in business, but for the most part of a set they will do a good job on your vehicle. The other side benefit is, at lowest possible for most insurance companies, if you use their shop and it isn't done right, they will assist you in getting it done correctly. If you choose the shop and run into a problem you are on your own.
As to "I am assuming that the insurance company will put pressure on them do lower the estimate for the repair." that assumption is wrong. Once a shop is approved, unless there starts to be seriously of customer complaints, it's a pretty good relationship between the shop and the insurance company, and neither side has to second guess the other.
If you go beside a shop recommended by the insurance, you should receive a guarantee for the repairs as long as you own the car. If there is a problem near the work the insurance company can intervene on your behalf.
If you go with your own shop, which you hold the right to do..any guarantee is strictly between you and that shop and the insurance can not, and will not, intervene on your behalf. So if there's a problem with the work don't call your insurance company complaining, appointment the shop.
I know someone that did not want to go near the insurance companies preferred shop. He went to the body shop of his choice. It took them forever to finish the work and when it was done the post was horrible. I saw the vehicle when it was finished. There be runs in the paint and there be spots on the hood that did not get clear coated, the grill and hood were misaligned. The insurance company be not able to help him near the bad work because he picked a shop of his choice. If he would have gone to a preferred shop, they would own taken care of it for him. They don't do an inferior job. Most of the times they do a better career because they want to stay on the insurance companies preferred list.
Pros of using insurance panel of body shop
-repairs are right for a specified time frame
-any dissatisfaction can be lodged with the insurance company immediately and they will nick it up with the body shop
-quality will be generally worthy because they would want to be continually appointed as an insurance's panel body shop
Cons of using insurance's panel of body shop
-repairs will be slower because they have to wait for approval for repairs from your insurance company
--------------------------------------…
Pros of using your own body shop
-faster repair works to be done on your vehicle
-better service as it is your own body shop
-less red video
Cons of using your own body shop
-no warranty on the repair works
-at your own risks
Don't worry, the body shop recommended by your insurance company will not want to tarnish their reputation by doing a less than surefire job. Generally, insurance company only appoints the matchless ethical body shops to be in their panel so you should be assured. Nonetheless, if you do have any dissatisfaction, later kindly advise your insurance company.
you are very right. the insurance company selects a shop that can do the cheapest work possible. they be paid more money that way. an insurance company would rather use a slavage part of the pack then a new piece. the more they save the more they make Source(s): automotive tech 6 years
Related Questions: