What You Need To Know About Car Repair Insurance

A third-party claim, where you have to deal with the at-fault’s insurance company to pay for your losses and repair fees, can also be a burden to handle. Dents and Dings, LLC will give you the information you need so you don't have to go through it alone.

I Got Hit by Someone—What Are My Options?

We understand that accidents can be a headache, especially if it is the other person’s fault. In these cases, insurance companies are not always your friend. We have dealt with some really good ones who allow their adjusters to be fair, however, many companies don’t deal with these kinds of situations effectively.

When you are involved in an accident that involves third-party claims, you have two options:

  • 1 Use the at-faults’ insurance policy and see if they would be willing to indemnify you for safe and proper repairs to bring your vehicle back to pre-loss condition.
  • 2 File a claim under your insurance policy. If you have collision coverage, your company can get their money back from the at-faults’ insurance company to reimburse the deductible you paid for repairs.
two man shaking hands for car insurance
two man estimating the damages

Using the At-Fault’s Insurance

When using the at-fault’s insurance, they will usually either:

  • 1 Direct you to a place they are working out to write you an estimate for you to give to the collision repair facility of your choice
  • 2 Take photos of the damage, upload the photos to them, write a quick estimate, and send you the initial payment

*Note: Either way that you choose, 99.999% of the time, the collision repair facility will need to submit a supplement back to the insurance company for additional damages that may exceed their original estimate by thousands of dollars.

Don't be surprised when you see how little the original estimated dollar amount is.

man with car keys

Important Reminder

It is against the law for an insurance company to try to steer or direct you to one of the repair facilities (DPRs). This practice violates the 1963 Federal Consent Decree, yet is still pervasive throughout the industry. Remember, you should be able to choose the repair shop that will fix your vehicle.

Reach Out to Our Experts

Understanding your rights when involved in a collision can be daunting.
Get in touch with us today to discuss your concerns.

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