Who Decides Where My Car Gets Repaired After a Car Accident?
You decide where your car gets repaired after a car accident in Phoenix, AZ. Arizona Revised Statutes § 20-468 ensures that you get to decide where your car gets repaired after a wreck, not the insurance company.
However, it is important to note that Arizona Revised Statutes § 20-469 states that insurance companies can include a stipulation in contracts that requires policyholders to go to certain places for glass repair.
You may find that your auto insurance policy attempts to ban you from using certain repair facilities, or tells you that your contract requires you to visit a specific body shop for repairs. However, you can rest assured, you have the right to go where you choose to get your vehicle fixed.
Always read your auto insurance policy thoroughly so you understand your coverage after a crash. Do not rely on the words of an insurance company representative.
Receiving Misleading Information
When an insurance adjuster contacts you about your vehicle, they may ask you to bring your vehicle to a claims service center for inspection. You certainly can do this, but you are not obligated to do so.
At the insurance company’s claims center, the adjuster may not look at all parts of the car. Not thoroughly checking all components of your vehicle can cause many other damages to go unnoticed.
An omission may lead to a smaller financial claim against the insurance company. Arizona state law gives you the right to take the vehicle to a repair shop that is unaffiliated with your insurer.
Picking A Body Shop
An insurance company may have a local Phoenix repair shop that it recommends to you for use. You are free to use this repair shop, but the insurer cannot force you to do so. An insurance company may make a deal with a suggested repair shop for a reduced cost for repairs without informing you. While this benefits the insurer, it does not guarantee you will receive the quality of work you deserve nor a compensation amount that covers your losses.
Recovering Compensation for Damages
When you use a repair shop that is not affiliated with the insurance company to obtain a cost estimate, you may find that the insurer disputes the repair costs.
Although this can be a frustrating situation, the repair shop will be able to negotiate with the insurer, explaining why certain repairs are needed. You do not need to be involved in these discussions unless you choose so. However, if you choose not to participate in these discussions, it is important to pick a trustworthy and professional repair shop that will honestly relay your car’s damages to your insurer.
Receiving Fair Treatment
No matter how much the insurance adjuster insists that you use a specific repair facility, according to state law, the owner of the vehicle decides where the car gets repaired after a car accident in Phoenix, AZ.
If you feel like your insurance company offered you a compensation amount that cannot cover the costs of the repairs for your vehicle, you have the right to seek further damages.
Call Zanes Law in Phoenix today at (833) 629-7684 for help. We can help address any concerns you may have. When we take on your case, we can handle every aspect from A to Z. We understand how frustrating negotiating with an insurance company can be after an accident. Let us take care of it.)
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