Frequently Asked Questions by Our Customers in Birmingham, AL,

Q: What if my insurance company's estimate is lower than my shop's estimate?

A: Keep in mind that your vehicle is damaged and it is impossible to write a complete, accurate estimate prior to disassembly. Insurance companies and repair shops alike always write estimates based on visible damages only, so more often than not, the price will be adjusted for a thorough inspection, so don't be alarmed by a low estimate by the collision shop or insurance company. Remember that the insurance company is simply preparing a reserve of loss and is not preparing an estimate to repair the vehicle. Appraisers are hired and paid by the insurance company to prepare estimates according to the insurance company guidelines. They do not work for you so they do not have your best interest in mind. In addition, third party appraisers or audit companies are used as a scapegoat as to the reason the insurance company may deny payment.

Q: Whose responsibility is it to pay for the damages to my vehicle?

A: It is your vehicle, it is your choice and it is also your responsibility to pay for the damages. If you are insured, it is the responsibility of your insurance company to reimburse you for those damages as agreed upon in your contract with them. If you are a claimant (third-party), then you do not have a contract with the at-fault driver's insurance company. The at-fault driver is ultimately financially responsible; however, it is still your responsibility to obtain payment for the damage to your vehicle from either the at-fault party or their insurance company. You may also be entitled to diminished value.

Q: My insurance company said I might have to pay out of pocket if I select the shop of my choice! Is that true?

A: Consult with your chosen repair shop! Many shops offer repair options or can assist you with remedies. Don't let the insurance company scare you into getting a poor unsafe repair!

Q: Do I have to use aftermarket, reconditioned or used parts?

A: Absolutely not! However, you may have agreed to this in your contract with your insurance company, and you may be responsible for the additional cost if you are not willing to accept those parts, or if your repair shop will not use them. If you are third party, then you do not have such a contract, and it is up to you to negotiate this with as-fault party or their insurance company. Keep in mind that aftermarket or reconditioned parts may void your manufactures warranty, compromise your safety, and further diminish the value of your vehicle.
Call 205-988-3854 in Birmingham, AL, today at 205-988-3854 with any questions we may not have answered here!
 
CIRCLE OF PROPAGANDA: ALL of these items are simply propaganda to coerce or intimidate YOU into doing what the insurance company wants you to do. If you are hearing this, you may be the victim of insurance abuse. These tactics are called steering and may be unlawful.
The insurance company said the repairs would be faster if I choose the contract shop!
Simply a tool used by insurance companies to steer you to the contract shop!

The insurance company said that your shops charges for things that are not necessary or charge more than everyone else or that you overcharge!
Another tool to steer you to the contract shop!

The insurance company said that I would have to pay out of pocket if I choose my own shop!
See the “REMEDIES” section of this website. www.yourvehicleyourchoice.com

The insurance company said they would not warranty the repairs if I choose your shop!
Insurance companies do NOT warranty repairs! They may be able to force a contract shop to stand behind the repairs that were made at the contract shop BUT most professional collision shops already have warranties in place that meet or exceed those warranties!

The insurance company said that I would have to wait for an appraiser if I choose your shop!
The insurance company is hoping that if the inspection is delayed that you may choose a contract shop!

The insurance company said that your company was difficult to work with or doesn't follow normal procedures!
Most reputable shops may be identified as difficult because of their unwillingness to cheat a repair job. There are hundreds of insurance companies and there is NO such thing as “normal procedures”. Ask the insurance company for a list of those “normal procedures” in writing before the repair begins.

The insurance company said that repairs would take longer if I use the shop of my choice!
Statistics show that non-contract repair shops often produce repairs much faster with higher quality!

The insurance company will not return my phone calls.
This is a common practice used by insurance companies to delay the claim!