If your vehicle is damaged in an accident, you might wonder where you should take your car for repairs and who will cover the costs. It is important to know your rights in this situation because the liable insurance company will try and move you in the wrong direction to save some money.
An experienced car accident lawyer in Toledo will help you through the legal procedures of filing a claim so that you can recover maximum compensation for the repairs and also for medical expenses, lost wages, and the damages caused due to the crash.
Do I need to take my car to the repair shop of the insurer’s choice?
When your vehicle is damaged, but not a total loss, there are several options to repair your car and cover your costs by the insurance company instead of you paying for it.
Your first step to repairing your vehicle is to file a claim through the collision coverage policy. However, it will require you to pay the deductible on your policy. If you are not at fault for the accident, you can recover your deductible through insurance subrogation.
Another option for covering the vehicle repair costs after the collision is to file a third-party claim with the at-fault driver’s liability insurance. This will help you avoid paying deductibles and have an open property damage claim on the record, resulting in an increased premium once you renew your policy.
After you know which insurance company will cover the expenses of your vehicle repairs, you have to determine where you should take your vehicle. In Toledo, drivers can choose their own preferred car repair shop.
Pros and Cons of choosing your own repair shop
Because you can choose a repair shop of your own to get your vehicle repaired, you should know the benefits and disadvantages of doing so.
One of the pros of selecting your own repair shop is that you trust the quality of work and have an established relationship with them.
When selecting your repair shop, the insurance company will try to push you back by claiming that the costs are not to their liking. If this is the case, you may need estimates from other repair shops. It can delay your vehicle’s repair, and you might not get reliable transportation for an extended period.
Pros and cons of insurer-chosen repair shop
- Saves time
- Less paperwork
- Lifetime guarantee
- Cutting out the middle man
- Low quality work
- Cheap parts