Most insurance companies have repair contracts with body shops in your area. Choosing the insurance company’s repair shop has benefits for the insurance company, which has negotiated lower labor and material rates, as well as parts discounts with those shops.
Insurance company claims representatives are given set goals. In general, companies would like to see at least 40 percent of their claims go to their direct repair shops. If you have chosen your own repair shop, claims representatives will frequently try to sway you away from your decision, telling you that your shop isn’t on their list, thus they won’t be able to handle your claim efficiently. They may explain that it will take up to a week before an adjuster will be available to write an estimate on your car. They could go further by stating that their company will not warranty the repairs if you don’t have your car repaired at their shop.
Do not be intimidated by this. Reputable auto body repair shops like Rich’s Auto Body in Merced provide a lifetime warranty no matter who is paying the bill. Shops are systematically interested in handling your claim and the repairs efficiently. Also, shop estimators are familiar with your insurance company’s claims process and know their local adjusters, making it easy to complete the estimate process and repairs quickly.
The length of time that it takes your car insurance provider to process and approve your claim, along with the number of cars waiting to be repaired, are just some of the factors that have to be considered.
Additionally, the extent of the damage done to your vehicle will have an effect on the amount of time that it takes for your repairs to be made.
Many auto insurance companies will help their customers to get rental cars while their primary vehicles are being fixed.
Most new vehicles on the road today have a “unibody” instead of a frame. Unibody construction is when there is no separate frame from the body of the vehicle. The body is usually made of aluminum or steel that is stamped with the appropriate cross members and everything is mounted directly to it. This is the most common type of structure used today in passenger vehicles. It lowers the weight of the vehicle and distributes force away from the passengers in the event of a crash.
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