AUTOMOTIVE EDUCATION & POLICY INSTITUTE

Consumer Resources

CONSUMER RESOURCES

Click Here to download our brochure and (along with your insurance information), store it in your glove box to be prepared if you’re involved in an accident.

 

If someone else causes the damages to my vehicle and does not have insurance, do I have the proper amount of collision, uninsured/under insurance coverage? If my vehicle is involved in an accident, will the insurer provide me with an election form that informs me if they are:

1. Paying for the damage in money as a total loss?

2. Electing to repair the damage?

 

Click Here to view and download a vehicle damage election form in .pdf format.

Did you know that the federal government does not oversee activities to ensure that your motor vehicle stays safe after it’s been manufactured?

The majority of states do not require collision repair businesses or their technicians to have any training, knowledge, or skill to be entitled to engage in repairs to your vehicle?

Did you also know that the insurance adjuster who tells you how much money it will cost to repair your vehicle has likely never repaired a collision-damaged vehicle. Often, the adjuster has only received minimal formal training to start determining repair costs for your vehicle?

As highly regulated as most professions are, there is very little regulation of collision repair businesses and even less regulation prohibiting insurers from interfering with the repairs your vehicle will receive.

Since Insurers have to compete in a price driven market, they attempt to insert themselves into the repair process and the agreement you have with the repairer about the safe and proper manner of restoring your vehicle.

To exercise as much control as possible over vehicle repairs, insurers have created direct repair programs (DRP’s). While these DRP networks of “preferred collision providers”, are dressed up to sound “approved” or pre-qualified for you, the question to ask is how these networks benefit you.

Too often shops have been pressured into alternative repair practices that reduce quality, safety and shop profits just to receive repair volume from an insurer’s network program.

QUESTIONS TO ASK ABOUT YOUR VEHICLE REPAIR

Click here to download the list of questions to ask your insurance company, your body shop, and yourself regarding the quality and safe repair of your vehicle.

To find out what your vehicle’s manufacturer has to say about your warranty and maintaining the safety and integrity of your vehicle, consider asking the following questions:

Will your vehicle be repaired with new genuine parts authorized by the maker of your vehicle or will they be using used genuine parts or aftermarket imitation parts?

Are aftermarket or imitation parts safe and have they been tested to meet the same standards as genuine parts?
Click Here (for more on imitation/aftermarket parts)

Will the repairer utilize only those procedures recommended by your vehicle’s manufacturer?

Does the shop consider you or the insurance company the primary decision maker regarding the repairs to be performed?

Does your repairer belong to an insurer’s network of collision repair facilities that have signed an agreement to follow the insurer’s requirements to reduce the cost of repair that may not be in your best interest?

Know your rights as they relate to laws that may affect you, your vehicle, and everyone else on the road!