Vehicle just got crunched? Now you have questions
Do I have to get 2 or 3 estimates on my vehicle?
No, Wisconsin Law allows the consumer to choose any shop to repair their vehicle. Your insurance company is required to work with the shop of YOUR choice and, in good faith, arrive at an agreed price to repair your vehicle.
What can I do if my insurance company directs me to a shop that I don’t want to use to repair my vehicle?
Legally, you have the right to choose which repair shop you want to fix your vehicle. Your insurance company is required to work with the shop you choose and to negotiate in good faith.
Should I turn the loss into my insurance company or pay for it out of pocket?
That is really a question only you can answer based on a number of personal and financial factors. The price to repair a car can go up once it is torn down and additional damage is found; in this respect an insurance company is trained to deal with additional damage and part price increases much better than most consumers. However, if you decide to personally pay for the damages, a reputable repair facility will keep in touch with you on additional costs.
What are OEM, Aftermarket, and Recycled Parts?
- OEM – Original Equipment Manufactured; by your vehicle’s factory supplier.
- Aftermarket – Copied from original factory part and manufactured by a 3rd party supplier.
- Recycled Part – An original factory part taken off a vehicle that has been retired from service.
What is a Supplement?
A supplement is an estimate written for hidden or additional damage not discovered during the initial estimate. Supplements on hidden damage are a normal occurrence because today’s vehicles are designed to crush from the “outside – in” in order to protect the occupants. If a shop finds additional damage they notify the insurance company and/or customer for approval and continue with repairs.