Navigating the Auto Repair Process with Your Insurance

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What Are Your Repair Rights When Filing a Claim?

When you file an auto insurance claim, you have the right to choose the repair shop for your car. Your insurance company cannot force you to select a specific shop, although they may require multiple repair estimates if they believe the initial estimate is too high. The insurance adjuster will compare these estimates, but you are not obligated to accept their estimate if it does not cover the repair costs adequately. Negotiation is possible, but be prepared for the insurer to choose the lowest estimate to avoid overpaying.

How to Start the Auto Repair Process

Here are four steps to guide you through the auto repair process with your insurance company:

1. Check Your Coverage

Ensure you understand your auto insurance coverage. Most states require bodily injury and property damage liability insurance, which covers injuries and damages you cause to others. Collision coverage, which is optional, helps pay for repairs to your car regardless of fault. Uninsured motorist coverage may also be available to cover repairs if an uninsured driver damages your car.

2. File a Claim

If your policy covers the repair costs, file a claim with your insurance company. You can usually do this by phone, online, or through a mobile app. Provide details, photos, and videos of the accident and damage to facilitate the process. Consider whether filing a claim is worthwhile if the repair costs are close to your deductible.

3. Work With Your Insurer’s Claims Adjuster

After filing a claim, an insurance adjuster will be assigned to your case. They will assess the damage, review police reports, and speak with witnesses. Be present during the inspection, obtain the adjuster’s contact information, and keep detailed notes of your interactions. If necessary, request a different adjuster or ask for a revised estimate.

4. Choose a Repair Shop

While your insurer may recommend a repair shop, you have the right to choose any shop you prefer. Some insurers offer a lifetime guarantee on work done by their recommended shops. When selecting a repair shop, read reviews, seek recommendations, compare costs, and ensure the shop’s professionals are certified. Get all repair details in writing and inquire about warranties and rental car coverage.

Will Your Insurance Be Affected by a Claim?

Filing a claim can impact your insurance premium. If you are at fault and the claim exceeds a certain amount, your premium may increase, typically for three years. Even a no-fault accident can result in a premium hike, though it may be less severe. Some insurers offer accident forgiveness, which can prevent a premium increase for your first at-fault accident. Factors affecting your premium include the severity of the damage, the claim amount, your driving record, and your claim history.

When to File an Insurance Claim—and When Not To

Consider the cost of damage relative to your deductible when deciding whether to file a claim. Filing a claim makes sense if the repair costs significantly exceed your deductible. However, if the repair costs are only slightly above your deductible, it may not be worth filing a claim due to potential premium increases. Other factors to consider include injuries, damage to others’ property, the at-fault driver’s insurance status, and the possibility of a lawsuit.

The Bottom Line

A car accident can be stressful, but knowing your rights and options can provide relief. You can choose any repair shop after filing a claim, even if your insurer recommends one. Stay informed about the repair estimate and manage the details of your claim. For the best rates on auto insurance, consider using Experian’s free comparison tool.

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