Auto urgency and Your insurance Agent

The most important issue that should be addressed, if you are involved in an auto crisis is to see to any injuries which may have resulted. The next order of company is to contact your assurance company representative.

So let's say you phone your assurance representative to tell him you have been involved in a car accident, and he appears extremely helpful. He'll probably recommend an auto body shop you may take your car to.

Car-auto Body Parts

"Terrific" you may think. You need not endure the hassle of seeing for a mend shop, nor must you do any "homework" seeing for body shops to get one that's trustworthy and that you can trust to do good work. After all, you would like to get your vehicle fixed at the earliest opportunity. But what if you prefer to use a body shop that you are already well-known with?

So you wise up your agent that you want to take you car to a distinct body shop. But he reacts with something such as "We won't certify the mend when you go there" or "You'll need to pay extra if you go to the shop that you picked" or some other statement intended to discourage you from going to your shop and motivate (or even try to coerce) you to go to the company's "preferred" shop.

Now you may be pondering what to make of his response. You might be wanting to know exactly why he is aiming to dissuade you from opting for your own shop.

To answer this particular concern, you need to understand what the final aim of an insurer is: and that's Not to "share risk" or "provide ideal service"... But to make a profit, and as large a behalf as possible! And that can be achieved by lessening the number they must spend in assurance claims.

So the "preferred" mend aid your agent is steering you to is honestly "preferred"... Beloved by the assurance supplier for Their advantage, not yours. Why? Because the Beloved body shop has agreed (in writing) to use auto parts that are less costly than premise parts. This can mean using inferior parts, and possibly not doing all that is vital to correctly mend your car. It might even mean that your car will be risky to drive after the fixes have been completed.

But there are additional, and far more ominous reasons why the repairs may not be completed in a safe manner. There's a procedure called "Clipping", which means cutting off an entire half of your vehicle (either the front or rear half) and affixing the other (undamaged) half of a car which had been wrecked.

This process honestly involves cutting through the vehicle's unibody or frame, and it affects its structural integrity. Does this sound unsafe to you? Well it is! But sadly, it isn't illegal. It's a frequent incident.

So the bottom line is - if you are involved in an auto crisis - beware! If your assurance representative attempts to steer you towards a Beloved auto body mend shop, find out if the mend shop utilizes Oem (original equipment manufacturer) parts, or lower potential "aftermarket" parts. And if the shop uses "clipping"... Then Run the other way!

Auto urgency and Your insurance Agent