There may be a point in your life that you may have to consider which insurance to use when you’re in an auto accident. Here are a few key points to consider when getting your vehicle repaired by an auto body shop.
According to an article at advancedchirocenter.com, “Auto Collision Questions Answered”
“One question I have been asked so many times, is “Who’s insurance should I use to pay for my auto repair and injuries?” When someone is hurt in an accident, or even if they just have vehicle damage, and it’s the other driver’s fault, people have a tendency to want to go through the other driver’s insurance.
I believe this type of thinking has more to do with “principle” than actual knowledge of how insurance claims are handled. People tend to think that since it was the other guys fault, then the other guys insurance should be the one to pay. They are also afraid their rates might go up if they use their own insurance.
My recommendation is always to use your own auto insurance for the repairs, and for the medical bills. There a so many reasons for this that it’s hard to know where to start.
For one, you pay premiums to your own insurance company, and have an actual contract with them. Because of this they are required to act in your best interest, and act in good faith. The other insurance company does not have to act in your best interest, and because you have no contract with them, bad faith does not apply.
Customer service is also an issue. You insurance company recognizes you as a paying customer, and understands that a certain level of customer service is rightfully expected. The other insurance company sees you as a “third party claimant” who is making a run at them for money. Customer service isn’t an issue, because you are not a customer. If you call them up with an issue with your rental car, or a problem with the auto repair, your own insurance company is much more likely to attempt to help you out and make you happy.”
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