Being in an accident is stressful enough. Add in the hassle of getting your car repaired and it can feel overwhelming, especially when the accident wasn’t your fault. The third-party insurance company will often work hard to avoid paying the full cost of your repairs, while you, as the claimant, are left trying to make sure your vehicle is properly restored. Navigating this process can be confusing and time-consuming. So what are your rights as a consumer in Illinois? Here are some helpful guidelines from the Automotive Service Professionals of Illinois. (Note: These are merely guidelines based on the Illinois Consumer Bill of Rights. Always consult an attorney for specific legal advice.)
Must I obtain three estimates?
No one can legally require you to get more than one estimate. As the vehicle owner, you may choose to get multiple estimates to compare prices or services, but no one obligates you to do so. For more on obtaining estimates, watch this video: “Do I need 2 or 3 estimates???”
Do I have to take my vehicle to an insurance company drive-in claims facility for an estimate?
No. It is your right as the vehicle owner to obtain an estimate wherever you prefer. However, you must notify the insurance company of your vehicle’s location so a claims adjuster can examine it at the site you choose.
If I go to an insurance company’s drive-in claims facility, do I have to take my vehicle to one of its preferred shops for repair?
There are no laws or regulations mandating that you use a specific repair shop. In fact, it is a federal offense to steer you to a shop of their choosing. However, some insurance companies may only want to approve payment based on the estimate provided by one of their preferred shops. Remember, you are the vehicle owner. Don’t let an insurance company limit your freedom of choice when it comes to repairs!
Who is responsible for the guarantee of workmanship and safety of my automobile repairs…the insurance company or the repair shop?
The responsibility typically lies with the repair shop, and in limited cases, the insurance company. Insurance companies do not generally assume liability for the quality or safety of your vehicle’s repair. That’s why it’s crucial to select a reputable repair facility (like Sharp Auto Body) that is fully trained, equipped, and committed to restoring your vehicle to its pre-accident condition.
Can the insurance company authorize a repair shop to start repairs on my vehicle without my consent?
NO. Only you, the vehicle owner, have the authority to approve repairs. The repair shop must present you with an estimate detailing the work before beginning any repairs.
Who is responsible for payment to the repair shop…the insurance company or me?
If you are not at fault in the accident, you should not be responsible for paying the repair shop. Payment should come from the at-fault driver’s insurance provider. However, ensure you inform all parties and handle the documentation properly.
Safety, Quality and Cost of Repairs…
If your vehicle is damaged due to someone else’s negligence, their insurance company is generally not directly liable for the quality of repairs made to your car. The standard legal measure is the “reasonable” cost of necessary repairs. That’s why it’s so important to choose a trustworthy, skilled repair facility that puts your safety and satisfaction first. Be cautious if you’re told the job can be done cheaper elsewhere. Remember: as the vehicle owner, you always have the right to select the repair method and shop that will best restore your vehicle.
Sharp Auto Body can help you navigate your repair options with confidence and peace of mind. Just give us a call at 847-526-1343.
