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Understanding Your Auto Repair Rights and Insurance Claims

A car accident can be a stressful event, but knowing your rights and the steps to take can help ease the process. At O1ne Mortgage, we are here to assist you with all your mortgage service needs. Call us at 213-732-3074 for expert advice and support.

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 vehicle. Your insurance company may suggest certain shops, but the final decision is yours. However, be prepared to obtain multiple repair estimates if your insurer deems the initial estimate too high.

How to Start the Auto Repair Process

1. Check Your Coverage

Ensure you understand your auto insurance coverage. Liability insurance covers damages to others, while collision coverage, which is optional, covers your vehicle. Uninsured motorist coverage may also be applicable if the other driver lacks sufficient insurance.

2. File a Claim

Once you confirm your coverage, file a claim with your insurance company. Provide all necessary details, including photos and videos of the accident. Consider the cost of repairs relative to your deductible before filing.

3. Work With Your Insurer’s Claims Adjuster

Your insurance company will assign a claims adjuster to evaluate the damage and estimate the claim payout. Stay involved in the process, keep detailed notes, and don’t hesitate to request a different adjuster if needed.

4. Choose a Repair Shop

While your insurer may recommend repair shops, you have the right to choose any shop. Consider factors like online reviews, recommendations, and certifications when selecting a repair shop. Ensure all repair details are documented in writing.

Will Your Insurance Be Affected by a Claim?

Filing a claim can impact your insurance premium. An at-fault accident may increase your premium by up to 50%, while a no-fault accident might result in a smaller increase. Some insurers offer accident forgiveness, which can prevent a premium hike.

When to File an Insurance Claim—and When Not To

Deciding whether to file a claim depends on the repair costs relative to your deductible. If the repair cost significantly exceeds your deductible, filing a claim makes sense. However, for minor damages, it might be better to pay out-of-pocket to avoid a premium increase.

The Bottom Line

After an accident, you have the right to choose your repair shop and negotiate repair estimates. Stay informed and involved in the claims process to ensure a fair outcome. For any mortgage service needs, contact O1ne Mortgage at 213-732-3074. We’re here to help you navigate your financial needs with ease.

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