It's Your Car, It's Your Choice
|It's Your Car, It's Your Choice|
|Pages of Interest|
Don't be steered into another accident by your insurance company or the other parties insurance company. Did you know some insurance companies have ownership in some shops? Makes you wonder who the customer really is. Schertz Auto Service does not participate in many of the repair networks because of the concessions or stipulations in the contracts which generally leads to a lower cost/lower quality repair. We believe we have a responsibility to the vehicle owner who is ultimately our customer not the insurance company.
Here is what the state says:By law, you have the right to select where your motor vehicle is repaired and the parts used for repairs. However, an insurance company is not required to pay more than a reasonable amount for such repairs and parts. your rights concerning motor vehicle repairs are explained in the insurance code, article 5.07-1, a copy of which will be mailed to you within 15 business days on request.
Section 5.501 was adopted to become effective August 17, 1998
Know your rights... Know these facts:
- By law, you may have your car towed to and repaired at any repair facility you choose.
- Only one estimate is required to determine the amount of damage.
- Check with your agent to determine if a rental car is available under your policy.
- Make sure that the insurance company pays for all covered repairs.
- Choose a repair shop carefully. Your future safety depends on quality workmanship today.
It appears that a majority of auto insurers in the State of Texas have forgotten the basic rules and the Texas Attorney General issued a bulletin to Auto Insurance companies reminding them of their responsibilities to claimants regarding vehicle damage. SEE BULLETINChoose a body shop carefully. Ask as many questions you have, until you are comfortable with the body shop.
Call your insurance company and tell them where you would like to have your vehicle repaired.
If you have any doubts about what to ask your insurance company feel free to contact contact us. We will explain the common procedures of your insurance company. Insurance companies use carefully crafted word tracks because the state does not allow insurance companies to "direct", "steer" or "refer" customers to a particular shop (or they are not supposed to, and that's the reason the Attorney General had to issue a bulletin reminding them of this), so they have come up with the following word tracks to intimidate the customer into thinking they have to do what the insurance company says, or they will not pay the claim. Some companies also have bonus programs for employees that steer claims to the networks, so don't think that they have your best interest in mind. Most of these claims people have never seen a particular shop, nor have any knowledge of any of the staff, they are just directing claims to whoever their company has a "deal" with so that they hit a bonus quota.
Whether you choose to use us or another repair shop. Don't be manipulated by insurance companies word tracks.
These are often heard phrases from Insurance Companies when you want to bring your vehicle to Schertz auto Service or any shop that is not on their "List", and what the facts are as well as what your response to the insurance carrier should be.
These are just a few of the word tracks used to manipulate the customer into using a specific repair facility. Be careful it's your vehicle, your investment, you have the right to make the choice on who repairs your vehicle.
We would be more than happy to assist you in the claims process. The truth is we work with about every company out there, more importantly we do not lose sight of who the customer is. We realize the investment that you have in your vehicle, and we want to make sure the value of your investment is not diminished through poor quality visible repairs. Most insurance companies play a game that says you will not keep your vehicle very long, so they are not to worried about using sub-standard parts. The bad news about this is that while an insurance company may save $50 on a part, you the unsuspecting customer could be loosing hundreds or even thousands of dollars when it comes time for you to trade your vehicle. If a company chooses to use these types of parts we will be more than happy to provide you with the name of a company that may be able to file a diminished value claim on your vehicle, which could compensate you for the usage of these types of parts.
Ask us what insurance companies we recommend, we always prefer companies that have local agents that can meet with you face to face. We are not a fan of most of the Internet based insurance policies, BEWARE you get what you pay for. You do not realize the value of a good company until you have a claim. If you need any help deciding on which insurance carrier to buy your policy from, ask or call your local body shop. We can tell you which insurance companies are customer service friendly and will help with your insurance claim meets every step of the way. Some insurance companies make you feel that they have your best interest in mind. When in reality they are just managing their bottom line.
Want to compare insurance rates in our area and look at the complaint index? Check out this site www.helpinsure.com
Want to contact the State Insurance Department?
TEXAS DEPARTMENT OF INSURANCE
P.O. BOX 149091
AUSTIN, TX 78714-9091
Fax Number: 512-475-1771
Web Address: www.tdi.state.tx.us
Other Pages of Interest
What to Save Your Deductible? Read this important message!
Direct Repair Shops - Why this may not be a good deal for you!
Diminished Value - Why this is important especially if you are a claimant against another company.