Insurance Estimate Information

Must Know Facts about the Insurance Claim and Estimate Process

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Auto Insurers accused of pushing cheap and sometimes dangerous repairs

¬†Insurance Claim FAQ’s

Should I take my car to a drive-in claims center?

No! Today’s automobiles are too complex for an accurate visual estimate. A drive-in claims center often doesn’t have the equipment needed for examining your vehicle properly. And even if it does, it doesn’t have a representative from your body shop to make certain that all the damage is assessed. There is only one place for the adjuster to examine your vehicle: At the shop of your choice!

How long will the repairs take?

A good body shop will take the time to do the job right. Sometimes it may encounter delays when necessary parts are not available locally. Expect an estimate of when the work will be done, but not a promise.

What do I do if my insurance company and the body shop cannot agree on the cost of repairs?

Be aware of the “Appraisal Clause” in your insurance policy. If the insurance company and the body shop cannot agree on what the repairs should cost, this could provide a means for fair settlement.

What if my body shop requests a supplementary allowance once repairs have begun?

Every appraiser is required to reinspect damaged vehicles when supplementary allowances are requested by repair shops.

What if my insurance company insists on another estimate?

Your adjuster can obtain a competitive estimate from another shop only by having that shop’s owner or his authorized agent physically inspect your automobile.

Am I required to accept this estimate?

No. Do not be pressured into having work done by a shop simply because of a lower price.

“I’ve had a lot of body work done on numerous autos over the past 4 decades and it’s always an adventure. I friend recently suggested I try out Ace Auto Body, Inc. Gary and Kevin at Ace Auto Body sail to the top of the list. The very top. Their work is impeccable, competitively priced, and they’re direct and honest in their communications. They told me the day the car would be ready and it was ready that morning. This may be a first for me. I scrutinized their work and it was, in a word, flawless. I’m disinclined to rate service providers 5 stars; nearly everyone can improve on the services they provide. But when the product I receive is perfect, and the customer service perfect, then it deserves the 5 stars. Gary and Kevin, I appreciate your work. Continued success!”

Marc Saegaert

West Hartford, CT