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Who pays for the repairs to my vehicle?

If the damage to your vehicle is a result of your error and you have comprehensive and/or collision damage, then your insurance company pays for the repairs (less your policy's deductible). You are responsible for paying the deductible amount directly to the repair facility.

If the damage to your vehicle is a result of the error or negligence of someone else, then their insurance company is responsible for paying the full amount of the repair costs.

Who guarantees the repairs to my vehicle?

The collision repair facility guarantees its own work. An insurance company or other third-party cannot effectively guarantee the quality, thoroughness, and craftsmanship of the repairs.

Can I select the facility that will repair my vehicle?

Yes-the choice is entirely yours. An insurance company may make a recommendation, but they cannot force you to take your vehicle to a facility of their choosing.

Do I need to get three estimates?

No, there is no law requiring three estimates. You have the right to have your vehicle repaired at the repair facility of your choice.

If you are dealing with a private party or an insurance company that does not have a local office, it may expedite your repair /claims process to obtain two estimates. Do not obtain an estimate from any collision repair service that you would NOT want to repair your vehicle.

What about after-market or "replacement quality" parts?

Original equipment manufacturer's (OEM) parts made by the manufacturer of your car are generally better quality, better fitting, and have better corrosion protection capabilities. Depending on the age and condition of your vehicle, there may be some sound economic reasons to use after-market parts in the repair. The decision should always be yours; however, many insurance policies are being rewritten to give the insurance company the sole right to make this economic decision. Make sure you know the terms of your policy in this area.

Why did another body shop provide an estimate that is different from yours?

Differences in repair estimates are quite common. There are three primary estimating systems used by collision repair services and insurance companies: Mitchell, CCC, and ADP. Each of these systems break down labor operations differently and frequently use different material allowances for similar operations.

The biggest reason for estimate differences is that one estimate may not include all the required steps and processes. If you have any questions, Harrington Body Shop will go over any insurance company estimate or estimate by another repair service with you-line by line.

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