You are Entitled to Chose Your Repair Shop
Q. Do I have the right to select the shop that will repair my car?
A. Yes. In order to expedite your claim, we suggest you: (a) select the repair shop, (b) leave your automobile there, and (c) and notify your insurance agent or company.
Q. Do I need to get three estimates?
A. No. Notify your agent or insurance company. Your insurance adjuster may need to inspect the damage. If your insurance company has a drive-in claims service and your car is safe to drive, you should call them for an appointment, take your car there, make sure you get a copy of the insurance adjuster's estimate, and take it and your automobile to the shop of your choice.
Do not get an estimate from a shop you would not let repair your vehicle.
Q. Must I notify my insurance company before repairs?
A. Yes, insurance policies require that you notify the company or your agent, make a report, and tell them where the damaged vehicle may be inspected.
Q. Who pays the repair bills?
A. You must arrange for payment. Your insurance policy states the insurance company will pay you less any deductibles or depreciation.
You are entitled to an itemized bill of the repairs to your vehicle.
Q. Who is responsible for repairs?
A. The shop. That's why it is important that you select a repair facility that is properly trained and equipped to restore your automobile to its pre-accident condition.
Q. If there is a problem with the repair job, whom should you contact?
A. First, the manager of the shop. If your problem is still not resolved, contact your insurance company claims manager. You may also want to contact the office of consumer protection.
Q. If my insurance company fails to process my claim or pay the amount agreed upon, what can I do?
A. First contact your insurance agent, then talk to the Branch or Regional Claims Manager of the insurance company. If that fails, then contact the Massachusetts Department of Insurance at (617) 521-7794.
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