What Your Auto Body Shop And Insurance Company Don’t Tell You!

Minor accidents resulting in small fender-benders often cost more than your insurance deductible to have repaired at a traditional auto body shop. If the accident is your fault, then be prepared to pay the deductible.
Auto insurance companies contract with auto body shops for a pre-negotiated rate for repairs. Some practices include requiring low hourly labor rates or forcing the body shop to pay for a rental car if they do not complete repairs timely. These practices often tempt the auto body shop to cut corners, using lower quality materials or neglecting to complete certain steps required for proper repair.
When will the repair work be completed? Quite often, not when promised. Auto body shops like to blame this on a delay in parts delivery when the truth is they took on more business than they could handle. Check out the shop you are using to see if there have been multiple complaints about repairs being completed on time.
Car rentals can be costly make sure your insurance company covers the type of rental car you need while yours in the shop. Your policy might limit you reimbursement on a small car when you need a minivan.
Some insurance companies prefer auto body shops that use generic or salvage replacement parts to save money. This is fine for some repairs, but original-equipment manufacturer (OEM) parts are always designed to match perfectly and in some cases may be safer. If you are in an accident and you are determined to be at fault then there could be wording in your insurance policy that requires you to use lower quality parts or pay the difference for OEM replacement parts. If you are not at fault, be sure to tell the shop to use only OEM parts.
Many foreign made cars require special equipment and a high degree of precision to perform repairs properly. If you drive a foreign car make sure the shop you choose is certified by the manufacturer to do the work. Your insurance company will not be likely to recommend these shops because they charge higher rates however, they should be willing to pay to repair your vehicle to its original condition.
Does your insurance company provide a parts and service warranty? If so, its useless! The auto body shops guarantee is the one that is important to you most body shops guarantee their work and the parts manufacturers guarantee the parts.
Insurance companies have negotiated so many discounts with auto body shops that in order for the shop to stay in business they do lower quality repair work. Check with the Better Business Bureau, Vehicle Information Services or other agencies that monitor the quality of work done by auto body shops to be sure you are getting good service.
Joaquin Hernandez owns Collision on Wheels, a mobile auto body shop in the Los Angeles area. He comes to you at your home or workplace to provide auto scratch and dent repair, auto painting, and collision repair. Work is done in one day or less and the charge is often less than your insurance deductible. Visit http://www.collisiononwheels.com to learn more.