|Must I obtain three estimates from three different repair facilities?
||No, no one can tell you to obtain two or three estimates. You as the car owner may do so should this be your desire.
|I was told I must take my car to a certain repair shop. Must I do this?
||No. Keep in mind you are the owner of the car and only you can determine the place of repairs. No one can force you to a certain repair shop for any reason.
|What is the best procedure for me to get back quality repairs and quickly get my car back on the road?
||Take your car to the shop of your choice. Leave it with the manager. Instruct him/her that you contacted your insurance representative and advised them of the car’s location. The manager will then contact your insurance company and advise them to the damage report and get approval to move forward with the repairs.
|I do not believe I was at fault in the auto accident. Should I use my own collision policy or try to collect from the other party?
||The experts say it is best to use your own policy. In this way you will receive help from a trained adjuster in the negligence area. He/she will negotiate the facts with the other company. This is important to you. Should you have further questions, ask the manager at the shop; he/she is informed on this subject.
|Who is responsible to the repair shop for my repair bill – the insurance company or me?
||You are. The contract with your insurance company states: the company will pay YOU for the damages to your car less the deductible amount. Indiana Law is clear on this subject. You may direct your insurance to pay the repair shop but the payment should be in the hands of the repair agency when you pick up your car. Keep in mind there is no connection between the repair shop and the insurance company.
|Who is responsible for the workmanship and guarantee on my vehicle repairs – the insurance company or the repair shop?
||The repair shop is responsible. You would not go to an insurance company. This is why it is so important that you choose the right repair shop that you can trust. If a doctor left a sponge in you after operation, you would go back to the doctor. The same is true in this situation. This is why you need to ask the repair shop if they offer a lifetime guarantee on their work.
|My insurance company has a drive in claims service, am I required to have my vehicle examined there?
||No, It is not mandatory to take your vehicle to a drive-in claims service. This is your vehicle. You may take it to the shop of your choice and inform the insurance company where the vehicle can be examined by the claims person.
|Can the repair shop I select adjust its estimates and charges to absorb the deductible required by my insurance company?
||No. The repair shop cannot change the cost of repairs to help you pay your deductible. Misrepresenting the cost of repairs constitutes of fraud.
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