When you’ve been in an accident, your insurance company will likely recommend a body shop where you can take your car for repairs, but it is your choice whether to use the shop they have recommended. Your insurance company won’t penalize you for using a different body shop, but there are reasons why they would prefer that you use the one they’ve suggested and there are some benefits for you as well.
The main reason the insurance company would want you to use the body shop they have recommended has to do with money. Most insurance companies contract with body shops that will perform repairs for discounted costs, so if you go with the recommended shop, the insurance company will save money and the shop they’ve recommended will make money because they will continue to receive a steady flow of business.
Chances are if you go with the body shop that your insurance company recommended, the repairs will be done much faster and you will receive your car back much quicker than if you were to go with a different body shop.
This is because the insurance companies have already negotiated with their body shop what the fees will be for specific services. The adjuster that a different body shop would use to estimate costs would not be needed, therefore speeding up the turnaround time.
While there are some benefits to you for using your insurance company’s body shop, including you not having to deal with the headache that often comes with having repair work done, there are also a few downsides.
Because the body shop has contracted with the insurance company to do work at discounted rates, they likely cut costs by using aftermarket or salvaged parts instead of brand new parts. That isn’t always a bad thing, but if your policy states that you would get brand new parts, it would be wise to make sure that is what you’re actually getting.
Shopping for Insurance
When you’re looking for auto insurance in Las Vegas, you might want to ask the insurance agent questions about these situations. For example, which body shop would perform the work? Would new parts be covered or would aftermarket or salvaged parts be used? It’s always a good idea to know ahead of time what might happen the future and how it may affect you.
Photo courtesy of rhonda_jenkins